---
title: "Mansi Panchal - Product Engineer - I in Bengaluru | Tal"
description: "Meet Mansi Panchal, SDE @Juspay | I build the system that keeps payments honest | Rust · Distributed Systems | Payment Aggregator · Reconciliation & Settlement | Fintech based in Bengaluru. AI stack includes cursor, opencode, and claudecode. Explore public work links including github."
image: "https://tal.club/meet/mansi-panchal-1/share-image"
---

# Mansi Panchal on Tal

## Headline

SDE @Juspay \| I build the system that keeps payments honest \| Rust · Distributed Systems \| Payment Aggregator · Reconciliation & Settlement \| Fintech

## About

Every time a payment settles in India, something invisible has to work perfectly — Reconciliation\. The numbers have to match, the money has to move, and not a single rupee can go missing\. I build the system that makes that happen\. At Juspay, I own the Payment Aggregator Reconciliation and Settlement infrastructure — processing 15M\+ transactions daily at 99\.99% accuracy, settling hundreds of crores for merchants including Flipkart and Google\. I joined before this platform existed, built the core engine from scratch, and have owned every layer of the stack across four promotions in four years\. The work spans the full financial lifecycle — Recon Engines, Settlement Pipelines, Dual Escrow Optimization, Ledger Architecture, Chargeback Automation and Pre\-funding Adjustment\. I operate across the stack to own production stability, untangle complex failure modes, and mentor engineers joining the platform\. I also write about what the payments industry doesn't say out loud — about how financial systems work, where leverage lives, and what building infrastructure at scale teaches you about building a career\. That's \#TheMansiVerse\. 📍 Bengaluru, Karnataka 🛠 Rust · PostgreSQL · Kafka · ClickHouse · AWS · Distributed Systems

## Location

Bengaluru

## AI stack

cursor

opencode

claudecode

## Work experience

Product Engineer \- I at JUSPAY, Jan 2026 \- Present · 8 mos, \- Driving end\-to\-end PA Reconciliation and Settlement for systems settling hundreds of crores daily — spanning recon execution, settlement instruction generation, merchant payout reporting, chargeback processing, and financial audit readiness\. \- Architecting PayFac \(Payment Facilitator\)/Reseller workflows on PA Reconciliation and Settlement — multi\-party commission splits, revenue\-share calculations, and reseller\-level financial reporting at scale\. \- Designed and shipped the Prefunding Adjustment System — an automated engine in Rust that handles negative settlement scenarios using pre\-funded merchant balances, with immutable ledger entries, escrow\-level validation, and real\-time Slack\-based ops alerting\. \- Built granular transaction\-level audit reports for incoming, outgoing, dispute acceptance, deemed refunds, and daily liability tracking — ensuring Payment Aggregator regulatory compliance with RBI reporting mandates\. \- Engineered PACB settlement infrastructure — scripts generating Supporting Files and Payment Files for AD\-1 \(Authorised Dealer Category\-1\) Bank settlement, enabling RBI\-compliant cross\-border forex flows\.

Software Engineer \- II at JUSPAY, Jan 2025 \- Jan 2026 · 1 yr 1 mo, \- Owned full backend delivery for PA Reconciliation and Settlement — ensuring 99\.99% accuracy for systems settling hundreds of crores daily across Juspay's Payment Aggregator platform\. \- Built the Google Remittance Integration — a fault\-tolerant three\-way recon system \(Merchant ↔ Acquirer/TSP ↔ Google\) with multi\-source ingestion, automated discrepancy detection, admin\-controlled settlement release, and retry\-resume checkpoints — enabling onboarding of one of Juspay's largest and most complex enterprise merchants\. \- Designed the Dual\-Escrow Settlement Optimizer — minimizing inter\-escrow fund movement for split\-settlement setups across two escrow accounts, with optimal fund combination logic and transaction\-level fallback for edge cases\. \- Shipped the Settlement API — enabling merchants to self\-serve payout data and transaction history filtered by payment method, type, and date range; secured with API key auth and paginated architecture\. \- Optimized critical settlement and recon APIs — 42% reduction in response time under high load, monitored via Grafana and Kibana\. \- Significantly reduced query execution time for settlement reporting — designed indexing and partitioning strategies across high\-volume financial transaction tables\.

Software Engineer \- I at JUSPAY, Jan 2024 \- Jan 2025 · 1 yr 1 mo, \- Led full codebase migration from R to Rust — delivered 3x latency improvement, complete functional parity, and zero\-downtime cutover; legacy codebase deprecated\. \- Built the PA Reconciliation Engine from the ground up — a config\-driven system supporting two\-way \(Merchant ↔ Gateway\) and three\-way \(Merchant ↔ Gateway ↔ Bank\) recon, processing 15M\+ daily transactions at 99\.99% accuracy\. \- Reduced reconciliation time from 3 hours to 5 minutes for 1\.5M\+ transactions through algorithmic optimization and config\-driven architecture \(80–85% time complexity improvement\)\. \- Invented the PROBABLE\_MATCH Algorithm — a secondary\-column\-lookup mechanism to reconcile records missing from standard recon flows, materially reducing open recon issues at scale\. \- Shipped the Chargeback API to automate debit instructions and settlement adjustments for PA workflows — reducing manual ops workload by 60%\. \- Designed ledger\-based architecture for PA Settlement — ensuring transactional consistency, full auditability, and seamless integration with downstream financial systems\. \- Implemented maker\-checker controls for sensitive admin APIs — ensuring all critical operational actions require review before execution, preventing unauthorized production state changes\.

## Education

Bachelor of Engineering \- BE, Computer Engineering, Vishwakarma Government Engineering College

## Public links

- github: https://github\.com/mhpanchal

[View the original profile](https://tal.club/meet/mansi-panchal-1)

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