Headline

Product Development Engineer @ Razorpay | Go, Distributed systems | Backend 🏊‍♂️ | 🏸

About

Backend Engineer with production experience building payment infrastructure at Razorpay — across gateway migrations, EMI rearchitecture, async refund flows, and PCI-compliant card pipelines. Worked across affordability, online cards, offline terminals, and UPI domains, shipping systems that handle 100K+ merchants and 41K+ monthly transactions. Comfortable owning reliability, correctness, and scale in high-throughput fintech environments. Building toward a full-time backend role where distributed systems problems are the day job.

Location

Hyderabad

AI stack

claude code

claude

codex

gemini

hermes agent

openai

Work experience

Product Development Engineer at Razorpay, Mar 2025 - Jun 2026 · 1 yr 4 mos, Bengaluru, Karnataka, India, Backend Engineer Intern · Affordability & Cards Teams Affordability: - Rearchitected Bajaj Finserv and HDFC Debit EMI payment flows handling 41K+ transactions/month at 95% and 90% success rates. - Implemented Redis pipelining across 60K+ keys, reducing EMI cache load from 2+ minutes to under 2 seconds and eliminating API timeout failures. - Contributed to Go-based microservice migrations, bank gateway integrations, Traefik ingress routing, and SFTP-based EMI report generation for downstream bank reconciliation. Cards: - Led zero-downtime migration of 100K+ merchants from TPSL to HDFC Smart Gateway, protecting Rs. 30Cr/month in GMV. - Hardened async refund pipelines by aligning response codes, error categories, and retry policies — preventing silent duplicate payouts. - Implemented PCI-DSS compliant card encryption and 3DS signature verification. - Eliminated 7 false-positive alerts disrupting overnight on-call via gateway threshold retuning. - Debugged ISO message-level DCC inconsistencies preventing unintended customer charges. Also gained working domain knowledge in UPI infrastructure and payment flows. Stack: Go, Java, Spring Boot, Redis, Kafka, Kubernetes, Traefik, Kong.

Education

Bachelor of Engineering - BE, Computer Science, Keshav Memorial Engineering College

Public links

github: https://github.com/M0hitReddy

leetcode: https://leetcode.com/MohitReddy_