---
title: "NAMAN KUMAR - Software Engineer in Bengaluru | Tal"
description: "Meet NAMAN KUMAR, Software Engineer @Efficient Capital Labs | Building fintech infra - lending platform integrations, workflow automation & AI-powered underwriting tools based in Bengaluru."
image: "https://tal.club/meet/naman-kumar-8/share-image"
---

# NAMAN KUMAR on Tal

## Headline

Software Engineer @Efficient Capital Labs \| Building fintech infra \- lending platform integrations, workflow automation & AI\-powered underwriting tools

## About

I build the systems behind a global lending platform at Efficient Capital Labs \- the parts borrowers never see but that keep money moving safely and on time\. Over the past year and a half I've owned our Global Lending platform end to end: country\-routed banking integrations \(Plaid, Teller, Finverse, Perfios\), a role\-based admin and identity\-verification system, and a notification service that powers every automated email and alert we send\. I've also built out async, event\-driven backend infrastructure using Celery and Redis to handle high\-volume background processing, including a document\-parsing pipeline that automatically extracts structured data from invoices and contracts, and a compliance\-document automation system that generates legally\-binding assignment PDFs on a schedule with full audit trails \- since rebuilt into a more resilient v2\. I also work on the AI side: an LLM\-powered research agent that automates company due diligence, pulling and synthesizing data from sources like LinkedIn, Crunchbase, and HubSpot \- including redesigning its core architecture to cut costs and eliminate reliability issues\. I care most about building things that keep working quietly in production \- and about coming back to my own systems months later to make them better\.

## Location

Bengaluru

## Work experience

Software Engineer at Efficient Capital Labs, Jan 2025 \- Present · 1 yr 10 mos, Banglore, Own the Global Lending platform end\-to\-end \(frontend, backend, integrations, and production support\), scaling it from a new initiative to the company's core lending product\. Built country\-routed banking integrations \(Plaid, Teller, Finverse, Perfios\) for linking business bank accounts across the US, Singapore, and India, including a reconnect flow for expired bank sessions\. Built async, event\-driven backend infrastructure using Celery and Redis to handle high\-volume background processing, including a large\-scale third\-party data\-sync integration with a full observability layer: audit logging, exponential\-backoff retries, a monitoring dashboard, and automated failure alerting\. Built an async document\-parsing pipeline that extracts structured data from invoices and contracts automatically, plus a counterparty\-analysis matching system for financial document processing\. Designed and built an end\-to\-end compliance\-document automation system that generates legally\-binding loan assignment documents \(Word & PDF\) on a scheduled job, grouping records by date with full audit logging \- later rebuilt into a more resilient v2 with reconciliation and error recovery\. Built a company\-wide notification service \(email/SMS\-ready architecture\) that consolidated fragmented legacy email flows into one templated, auditable system\. Automated lien filing via a third\-party API, eliminating a 10\-12 hour manual monthly process\. Built an LLM\-powered research agent that automates company due diligence, pulling and synthesizing data from sources like LinkedIn, Crunchbase, and HubSpot, and redesigned its core architecture to reduce cost and improve reliability\. Built role\-based admin tooling with identity\-verification fields and dual\-channel security notifications for sensitive account changes\.

## Education

Master of Computer Applications \- MCA, Computer Application, RNS Institute of Technology \- India

Master's Degree, R\.N\.S Institute of Technology

[View the original profile](https://tal.club/meet/naman-kumar-8)

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