Headline

Leading Lending & Payments at Efficient Capital Labs | Ex-Decentro(YC S20), Ex-ApnaComplex, Ex-ELEXtensions

About

Efficient Capital Labs leverages my expertise as Lead Engineer to design scalable Full Stack solutions, employing tools like Django, Postgres and AWS to enhance system efficiency. My current role focuses on enabling seamless revenue based financing workflows through innovative software development practices. Graduated from Guru Nanak Institute of Technology with a B.Tech. in Computer Science, I bring a strong foundation in software engineering. Passionate about creating impactful solutions, I aim to contribute to transformative projects that streamline processes and empower organizations. Open for any technical collaboration, let's change the world!

Location

Bengaluru

AI stack

claude code

mcp

n8n

ollama

Langflow

Tavily

Work experience

Lead Engineer at Efficient Capital Labs, Jun 2025 - Present · 1 yr 3 mos, Bengaluru, Karnataka, India, We are developing an AI-powered tool for credit risk analysis, enabling our team to make quick decisions on applications submitted by SaaS startups for revenue-based financing. We are also developing a modern tool to manage finance products and features such as skip-a-pay, deferrals, multi-payments, and foreclosure. The contract management system works hand in hand to send contracts digitally and get them signed digitally, integrated with our system to automatically take actions based on contract status.

Lead Software Development Engineer at Decentro, Jan 2025 - Jun 2025 · 6 mos, Bengaluru, Karnataka, India

Senior Software Development Engineer at Decentro, Jun 2021 - Jan 2025 · 3 yrs 8 mos, Bengaluru, Karnataka, India

Software Development Engineer at Decentro, Dec 2020 - Jun 2021 · 7 mos, Bengaluru, Karnataka, India

Senior Software Developer at ApnaComplex, Aug 2019 - Dec 2020 · 1 yr 5 mos, Greater Bengaluru Area

Software Developer at ApnaComplex, May 2019 - Aug 2019 · 4 mos, Greater Bengaluru Area

Software Development Engineer at Elula Tech Private Limited, Jan 2018 - May 2019 · 1 yr 5 mos, Bengaluru, Karnataka, India, Project(s) worked on: WSDesk - WordPress Helpdesk plugin WSChat - Wordpress Live Chat plugin Dynamic Pricing and Discounts Plugin for WooCommerce WooCommerce USPS Shipping Plugin Stamps.com Shipping Plugin with USPS Postage for WooCommerce Multiple Add Ons for our existing plugins.

Project Manager at Opencube Systems, Sep 2017 - Dec 2017 · 4 mos, Bengaluru Area, India, Project(s) worked on: Desq – The future of connected education.

Education

Bachelor of Technology (B.Tech.), Computer Science, Guru Nanak Institute of Technology , Kolkata

Higher Secondary, Science (PCM+CS+English), Delhi Public School, Siliguri

Profile highlights

What's hard for others but easy for me…: My me time is me infront of my machine. May not be working on it but sitting there since childhood. I do not grow tired of looking at a screen.

My hot take about working with AI is…: People who were good developers before AI can make AI work for them much better than people who weren't.

Public links

github: https://github.com/niladridasroy