Headline

Principal Engineer | System Design & Architecture | Building Systems from Scratch

About

* Seasoned hands-on leader with over 14 years of experience in product development, adept at building and scaling engineering teams from scratch, driving technical architecture, and system design for both startups and enterprises. * 9 years of specialized experience in leading fintech product development, guiding products from 0 to 1, with a deep focus on scalability, compliance, and innovation, while fostering leadership within engineering teams. * Advisor to early-stage startups and currently the Chief Software Architect for Asia, providing strategic technical guidance, mentoring future leaders, and ensuring cutting-edge solutions across the region.

Location

Bengaluru

AI stack

anthropic apis

claude code

claude

codex

cursor

gemini

Work experience

Principal Engineer at Digbi Health, Jul 2025 - Jul 2026 · 1 yr 1 mo, India, - Part of the core engineering leadership, accountable for engineering strategy, design and architecture, execution, and scaling teams across the organization. - Owned the technical vision, system architecture, and end-to-end delivery of Digbi Health’s GLP-based clinical weight-loss platform, driving the company’s evolution into a clinical healthcare business serving US employers and health plans. - Led architecture and delivery across clinical intake, claims intelligence, and healthcare ecosystem integrations (doctor networks, EHR/EMR), including claims data processing to identify high-cost claimants and enable measurable cost reduction and ROI for employers and insurers.

Chief Technical Architect, Asia at LatitudePay Asia, Apr 2024 - Mar 2025 · 1 yr, Bengaluru, Karnataka, India, - Spearheaded end-to-end architecture for all software systems, scaling key platforms (LOS, LMS) across Singapore, Malaysia, and Indonesia. - Led the development of advanced credit risk algorithms, collaborating with data science teams to optimize credit limits and purchasing decisions. - Built mission-critical services (underwriting, risk-based pricing, automated merchant settlements) from 0 to 1, reducing processing time by 98% and achieving zero settlement errors.

Lead Technical Architect, Asia at LatitudePay Asia, Sep 2021 - Apr 2024 · 2 yrs 8 mos, Bengaluru, Karnataka, India, Lead multiple teams in building LOS, LMS and other backbone services including - Underwriting (Risk) - Settlements - Collections - Customer and Merchant portals - Customer Support portals

Principal Engineer at ZestMoney, Mar 2020 - Aug 2021 · 1 yr 6 mos, Bengaluru, Karnataka, - Led the FinOps team, building a payout engine for automated settlements, eliminating manual errors and saving over ₹2 Cr annually. - Headed the Partners cluster (30 people), leading the redesign of systems including complex payment gateways, pricing engine, partner data management system, partner dashboard, webhook engine, and an orchestrator for order verification with manufacturers. - Pioneered the design of multiproduct Buy Now Pay Later solutions, integrating payment gateways with major loan providers like HDFC, ICICI, and IndusInd Bank.

Principal Engineer at Razorpay, Aug 2019 - Mar 2020 · 8 mos, Bengaluru Area, India, Worked as lead for RazorayX. Delivered architecture and design for approval workflow engine for payouts.

Technical Architect at NeoGrowth Credit Pvt. Ltd. - SME business loans, Apr 2018 - Aug 2019 · 1 yr 5 mos, Bengaluru Area, India, - Breaking down large scale projects into manageable chunks - Lead, designed and developed several microservices including LOS, LMS, Merchant App etc. - Developed the company’s strategy for using technological resources - Evaluated and implemented new systems and infrastructure - Developed technical aspects of the company to ensure alignment with its business goals

Software Development Engineer 3 at NeoGrowth Credit Pvt. Ltd. - SME business loans, Feb 2016 - Mar 2018 · 2 yrs 2 mos, Bengaluru Area, India, Initial member of technical team, involved in every aspect starting from hiring tech team, architecting and coding various microservices required to build FinTech platform, to launching the AWS instance till production support of developed applications. Recent products: Sales app for internal teams, Merchant app for customers, CRM for internal team etc. Roles and Responsibilities as SDE-3: - Key member in expanding/building tech team from 3 to 28 - Experience on architecting, and coding products from scratch - As its startup n limited on people - product, people and infrastructure (AWS) management as an add-hoc responsibilty Tech Stack: RoR, Java, MySql, AWS

Education

Master of Engineering (M.Eng.), Computer Science, Indian Institute of Science (IISc)

Bachelor of Engineering (BE), Information Technology, Government college of Engineering, Amravati