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Naveen Reddy

Principal Solutions Engineer @M2P | API Integrations | Lending (LOS), KYC (VKYC/DKYC), Onboarding | Microservices, BRE, LCNC

Hyderabad

4+ years of work experience

M2P Fintech
Apr 20251 yr 5 mosPresent

Owning end-to-end delivery of digital lending and KYC implementations for BFSI clients - NBFCs, banks, international rollouts. - Cut go-live timelines ~30-50% across BFSI implementations by standardizing reusable orchestration patterns for KYC, BRE, and webhook integration on M2P Connect. Own end-to-end delivery from solutioning through production sign-off, working with product, engineering, QA, and client teams. - Designed BRE-driven decisioning workflows that translate client credit, risk, and compliance policy into production rules across multi-product and cross-border lending journeys. Removes the need for custom backend development for these clients. - Architected onboarding flows covering VKYC, DKYC, CKYC, credit decisioning, and webhook integrations with retry, fallback, and vendor-switching logic. - Owned RCA and resolution for production incidents across LOS, KYC, webhook, and microservice layers. Drove system reliability for live BFSI workloads.
M2P Fintech
Apr 20232 yrsMar 2025

Led BFSI implementations and a team of solutions engineers across digital lending and onboarding programs. - Led a 6-10 engineer team on an international LOS implementation for an overseas NBFC group (now processing ₹300+ Cr/month in loan disbursals). Took it from POC to UAT in under 1 month, then to production go-live, shipping 150+ user stories on 2-week agile sprints with zero critical release blockers. - Contributed to an enterprise BFSI implementation for a global automotive captive lender (now processing ₹500+ Cr/month in loan applications). Owned API orchestration design and the case-manager flow including the re-KYC journey, and compressed the planned timeline for the feature. - Led end-to-end KYC and lending journey orchestration for BNPL and PL flows at major Indian e-commerce and social commerce lending stacks - covered consent collection and storage, BRE-level decisioning and offer generation, DigiLocker, OCR, bank statement analysis, KFS generation, eNACH mandate APIs, loan booking, and case management. Integrated 20+ supporting third-party and in-house APIs with retry, fallback, and vendor-switching logic, under RBI digital lending compliance. - Mentored 15+ solutions engineers across BFSI implementations - owned ramp-up, code/config review, and escalation support. Reduced average new-hire ramp time ~20%. - Built pre-sales POCs on the internal low-code platform that supported a broader pre-sales motion contributing to a ~30% lift in deal closures during proof-of-value cycles.
M2P Fintech
Aug 20228 mosMar 2023

Owned the technical track of pre-sales for BFSI and regtech products across banks, NBFCs, and fintechs. - Ran technical discovery, product demos, and built POCs for 7+ BFSI / regtech products (Video KYC, Digital KYC, CKYC, FRS, LOS) on M2P's B2B SaaS platform with prospective banks, NBFCs, and fintech clients. - Owned the technical track on 3+ state-government and enterprise BFSI RFPs/RFIs - led solutioning, technical responses, and Q&A through pre-sales cycles. - Built a custom Excel-based SWS pricing calculator with VBScript and complex formula logic, covering 80+ microservices with auto currency conversion and deployment-aware logic. Cut sales-quote prep from ~8 hours to under 30 minutes per deal and contributed to ~35% faster deal closure. - Implemented Zoho CRM and lead-capture automation for the org - structured deal stages, automated routing across website/custom/Zoho CRM Forms by product, region, and source. Improved pipeline visibility and reduced daily manual lead-handling effort across the sales team.
Self-Employed
20192 yrs2021

Hyderabad, Telangana, India

Designed and implemented business systems for SMB and enterprise clients on the Zoho stack. - Led CRM implementation for a regtech / eKYC platform - owned requirement gathering, solution design, build, UAT, and post-go-live support. - Delivered 5-8 SMB client engagements end-to-end on the Zoho stack - built apps on Zoho Creator (OKR tracking, inventory management) with custom Deluge workflows, and configured Zoho CRM pipelines, deal-stage automation, and reporting dashboards for client sales teams.
Self-Employed
20172 yrs2019

Hyderabad, Telangana, India

- Shipped 10+ small applications and utilities - Bash scripts, static JavaScript websites, and Python tools - for client operations and reporting work across 4+ ongoing engagements. - Automated developer and ops workflows on macOS using Bash and Hammerspoon - handled environment setup and system configuration for client teams.

Naveen’s AI Stack

antigravity
antigravity
claudecode
claudecode

Education

Vidya Jyothi Institute Of Technology

Bachelor of Technology (B.Tech), Computer Science Engineering

Vidya Jyothi Institute Of Technology

Intermediate Education, MPC

Narayana Junior College - India

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Headline

Principal Solutions Engineer @M2P | API Integrations | Lending (LOS), KYC (VKYC/DKYC), Onboarding | Microservices, BRE, LCNC

About

Principal Solutions Engineer at M2P Solutions, working on digital lending and KYC implementations for BFSI clients - mostly NBFCs, banks, and a few international rollouts. Almost 4 years at M2P, mostly in the lending stack: LOS, VKYC/DKYC/CKYC, BRE-driven decisioning, and API orchestration on low-code platforms. Worked across 7+ BFSI / regtech products and 10+ clients across India and international markets. The work I enjoy most is the layer between domain (translating credit and risk policy into running software) and engineering (orchestration, integrations, edge cases). Watching AI in onboarding closely.

Location

Hyderabad

AI stack

antigravity

claudecode

Work experience

Principal Solutions Engineer at M2P Fintech, Apr 2025 - Present · 1 yr 5 mos, Owning end-to-end delivery of digital lending and KYC implementations for BFSI clients - NBFCs, banks, international rollouts. - Cut go-live timelines ~30-50% across BFSI implementations by standardizing reusable orchestration patterns for KYC, BRE, and webhook integration on M2P Connect. Own end-to-end delivery from solutioning through production sign-off, working with product, engineering, QA, and client teams. - Designed BRE-driven decisioning workflows that translate client credit, risk, and compliance policy into production rules across multi-product and cross-border lending journeys. Removes the need for custom backend development for these clients. - Architected onboarding flows covering VKYC, DKYC, CKYC, credit decisioning, and webhook integrations with retry, fallback, and vendor-switching logic. - Owned RCA and resolution for production incidents across LOS, KYC, webhook, and microservice layers. Drove system reliability for live BFSI workloads.

Lead Solutions Engineer at M2P Fintech, Apr 2023 - Mar 2025 · 2 yrs, Led BFSI implementations and a team of solutions engineers across digital lending and onboarding programs. - Led a 6-10 engineer team on an international LOS implementation for an overseas NBFC group (now processing ₹300+ Cr/month in loan disbursals). Took it from POC to UAT in under 1 month, then to production go-live, shipping 150+ user stories on 2-week agile sprints with zero critical release blockers. - Contributed to an enterprise BFSI implementation for a global automotive captive lender (now processing ₹500+ Cr/month in loan applications). Owned API orchestration design and the case-manager flow including the re-KYC journey, and compressed the planned timeline for the feature. - Led end-to-end KYC and lending journey orchestration for BNPL and PL flows at major Indian e-commerce and social commerce lending stacks - covered consent collection and storage, BRE-level decisioning and offer generation, DigiLocker, OCR, bank statement analysis, KFS generation, eNACH mandate APIs, loan booking, and case management. Integrated 20+ supporting third-party and in-house APIs with retry, fallback, and vendor-switching logic, under RBI digital lending compliance. - Mentored 15+ solutions engineers across BFSI implementations - owned ramp-up, code/config review, and escalation support. Reduced average new-hire ramp time ~20%. - Built pre-sales POCs on the internal low-code platform that supported a broader pre-sales motion contributing to a ~30% lift in deal closures during proof-of-value cycles.

Pre-Sales Solutions Engineer at M2P Fintech, Aug 2022 - Mar 2023 · 8 mos, Owned the technical track of pre-sales for BFSI and regtech products across banks, NBFCs, and fintechs. - Ran technical discovery, product demos, and built POCs for 7+ BFSI / regtech products (Video KYC, Digital KYC, CKYC, FRS, LOS) on M2P's B2B SaaS platform with prospective banks, NBFCs, and fintech clients. - Owned the technical track on 3+ state-government and enterprise BFSI RFPs/RFIs - led solutioning, technical responses, and Q&A through pre-sales cycles. - Built a custom Excel-based SWS pricing calculator with VBScript and complex formula logic, covering 80+ microservices with auto currency conversion and deployment-aware logic. Cut sales-quote prep from ~8 hours to under 30 minutes per deal and contributed to ~35% faster deal closure. - Implemented Zoho CRM and lead-capture automation for the org - structured deal stages, automated routing across website/custom/Zoho CRM Forms by product, region, and source. Improved pipeline visibility and reduced daily manual lead-handling effort across the sales team.

Implementation Consultant – Zoho / Low-Code at Self-Employed, 2019 - 2021 · 2 yrs, Hyderabad, Telangana, India, Designed and implemented business systems for SMB and enterprise clients on the Zoho stack. - Led CRM implementation for a regtech / eKYC platform - owned requirement gathering, solution design, build, UAT, and post-go-live support. - Delivered 5-8 SMB client engagements end-to-end on the Zoho stack - built apps on Zoho Creator (OKR tracking, inventory management) with custom Deluge workflows, and configured Zoho CRM pipelines, deal-stage automation, and reporting dashboards for client sales teams.

Software Developer at Self-Employed, 2017 - 2019 · 2 yrs, Hyderabad, Telangana, India, - Shipped 10+ small applications and utilities - Bash scripts, static JavaScript websites, and Python tools - for client operations and reporting work across 4+ ongoing engagements. - Automated developer and ops workflows on macOS using Bash and Hammerspoon - handled environment setup and system configuration for client teams.

Education

Bachelor of Technology (B.Tech), Computer Science Engineering, Vidya Jyothi Institute Of Technology

Intermediate Education, MPC, Narayana Junior College - India