---
title: "Ojas Gulati - Principal Software Engineer in Bengaluru | Tal"
description: "Meet Ojas Gulati, Principal Engineer | Leading Engineering team, SpringBoot, System Design, AWS | AI workflows based in Bengaluru. AI stack includes antigravity, claude code, and langchain."
image: "https://tal.club/meet/ojas-gulati/share-image"
---

# Ojas Gulati on Tal

## Headline

Principal Engineer \| Leading Engineering team, SpringBoot, System Design, AWS \| AI workflows

## About

With 6\+ years of experience in software engineering, I design and lead high\-performance, scalable backend systems using Java, Spring Boot, and AWS\. Skilled in building highly scalable distributed systems using Spring Boot, PostgreSQL, Terraform, and AWS to build reliable, production\-grade platforms and currently expanding into agentic AI and RAG\-based systems\. Core Strengths: Java Backend Development: Proven expertise in Java/Spring Boot backend development, API design, and database modeling with PostgreSQL and MySQL\. Distributed Systems & Microservices: In\-depth knowledge of designing distributed architectures, microservices, and handling concurrency at scale\. AWS Infrastructure: Hands\-on expertise in building and managing production AWS infrastructure using Terraform, with a track record of 99\.9% uptime\. Engineering Leadership: Experience owning services end\-to\-end and leading engineering teams of up to 16, from architecture decisions to delivery\. Agentic AI & RAG: Growing expertise in agentic AI and Retrieval\-Augmented Generation \(RAG\), applying AI workflows to real operational problems\. Key Accomplishments: Owned Spring Boot services end\-to\-end at Nivāsa Finance — from development to AWS infrastructure — achieving 99\.9% uptime\. Migrated 1M customer records to a new CRM architecture, cutting platform costs by 40%\. Led a 16\-engineer team at M2P Fintech through the launch of Loanbook, driving a 50% increase in loan disbursement and 22% revenue growth\. Automated risk assessment using Business Rules Engines, reducing loan defaults by 25%, and built an SSO system handling 1000\+ concurrent users at sub\-second p99 latency\.

## Location

Bengaluru

## AI stack

antigravity

claude code

langchain

langgraph

mcp

## Work experience

Principal Software Engineer at Nivāsa Finance, Jul 2025 \- Present · 1 yr 2 mos, Bengaluru, • Led a team of 7 engineers in the end to end development of a loan management microservice in Spring Boot, including release automation, code reviews, and data flow design • Collaborated with 4 cross functional teams to align requirements and ensure on schedule delivery of the module • Mentored junior engineers on architectural decisions and trade offs, and conducted structured code reviews that reduced recurring review comments over time • Provisioned a Multi\-AZ AWS VPC using Terraform, with strict 3 tier subnets, NAT gateways, and custom route tables to host a highly secure financial data • Architected an event driven distributed notification pipeline in AWS using SQS Queue, Redis, and Lambda, designed for 5,000 messages per second • Introduced CI/CD pipelines through GitHub Actions across all projects, increasing no of deployments by 20 per day, enforcing checks before any UAT or PROD release • Maintains Docker based build environments for test infrastructure, ensuring reproducible builds across pod runners • Implemented monitoring using Prometheus and Grafana to track P99, P95 and 5XX errors reducing time to resolve issue by 40% • Built an internal RAG pipeline for the credit team using Bedrock Knowledge Base and S3 Vectors to query lender specific policy documents, keeping cost close to $0\.002/query • Enabled scheduled AI calling for Google search acquired leads using a distributed delayed job queue using Redis sorted sets, increasing operational efficiency by 40% • Implemented Google SSO for internal ops users using OIDC and SAML 2\.0 protocols, enabling secure access • Adopted the Michael Nygard ADR format to write clear architecture decision documents that helped junior engineers understand key design choices • Designed automated testing scripts utilising JUnit that covered over 95% of codebase functionality, reducing regression bugs reported post deployment from five per week down to one within two months

Senior Software Engineer \| Backend Development, Leadership at M2P Fintech, May 2024 \- Jul 2025 · 1 yr 3 mos, Bengaluru, Key accomplishments include: • Led a team of 16 engineers in the successful launch of Loanbook, resulting in a remarkable 50% increase in loan disbursement and a 22% revenue boost within the first quarter post\-launch\. • Spearheaded the adoption of Kotlin across the engineering team, which led to a significant reduction of runtime exceptions and a measurable decrease in production bugs by up to 30% over six months\. • Optimized API performance through advanced caching techniques and query optimizations, achieving a dramatic improvement in response times from over one second to an impressive range of 400\-500 milliseconds\. • Developed an innovative in\-app notification module that was configurable via the admin panel, contributing to a notable increase in user engagement by approximately 20% within three months of implementation\. • Designed and implemented a robust Single Sign\-On \(SSO\) authentication system for partnered clients, achieving a p99 response time under one second for over 1000 concurrent users during peak traffic periods\. • Automated risk assessment processes in loan underwriting using Business Rules Engines \(BREs\), leading to a reduction in loan defaults by as much as 25% through enhanced customer risk evaluations\.

SDE\-II at M2P Fintech, Dec 2022 \- Apr 2024 · 1 yr 5 mos, Bengaluru, Karnataka, India

Software Engineer at Zeffo, Feb 2022 \- Dec 2022 · 11 mos, Gurugram, Haryana, India, • Reduced app startup time by 70% using Startup Profiles and optimizing non\-critical tasks for better user experience • Successfully migrated legacy codebase to Jetpack Compose, improving UI development efficiency and maintainability • Improved code quality by 50% through rigorous analysis and best practices, implemented 10\+ REST APIs, and resolved 15\+ bugs to enhance app stability • Developed and implemented a continuous integration/continuous deployment \(CI/CD\) pipeline for APK builds, reducing the time to market by 35%, and increasing the team’s deployment frequency

Sr\. Android Developer at Holofy, Dec 2021 \- Feb 2022 · 3 mos, Bangalore Urban, Karnataka, India, • Video\-first sales intelligence platform that helps you generate, qualify and close more leads\. • Transformed figma designs into high\-quality code • Migrated from shared preferences to jetpack data store • Added Lottie animations to enrich the user experience • Improved efficiency and readability of previously legacy code modules through code refactoring and optimization

Full Stack Engineer at Finflux, Oct 2020 \- Dec 2021 · 1 yr 3 mos, Bengaluru, Karnataka, India, • Developed and optimized applications using Java, and Spring framework improving performance and reducing bugs by 14% • Implemented key features, including factory pattern for penny drop transactions, bulk loan write\-offs, and third\-party OTP verification • Integrated Read DB to execute complex queries across clusters, enhancing system efficiency by 30% • Built mobile apps with MVVM, Hilt, Room, and WorkManager, implementing global search, notifications, and document capture

Full Stack Engineer at Finflux, Jan 2020 \- Sep 2020 · 9 mos, Bengaluru Area, India

## Education

Bachelor's degree Btech, Computer Science Engineering, Rajasthan Technical University, Kota

[View the original profile](https://tal.club/meet/ojas-gulati)

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