---
title: "Pankaj Verma - Software Engineer in India | Tal"
description: "Meet Pankaj Verma, Senior Software Engineer | Fintech & Payments | Java · Kotlin · Spring Boot · Microservices · Azure · Kubernetes | AI-First Engineering based in India. AI stack includes anthropic apis, claude code, and github copilot."
image: "https://tal.club/meet/pankaj-verma/share-image"
---

# Pankaj Verma on Tal

## Headline

Senior Software Engineer \| Fintech & Payments \| Java · Kotlin · Spring Boot · Microservices · Azure · Kubernetes \| AI\-First Engineering

## About

Senior Software Engineer with 6\+ years building high\-performance fintech and payments platforms — currently at Allica Bank delivering core SME banking infrastructure processing 10M\+ transactions/day at 99\.9% uptime\. I specialise in Java, Kotlin, Spring Boot, Azure, Kubernetes, and event\-driven microservices\. My current work spans SWIFT/SEPA international payments, bulk payments, payroll processing, interest rate calculation engines, fee pipelines, multiple savings pots, and business current accounts — covering the full SME banking product suite\. What sets me apart: I deliver features end\-to\-end using agentic AI tools \(Claude Code, GitHub Copilot, OpenAI Codex\) as a core part of my workflow — from architecture and code generation to testing and PR review\. I ship at squad\-level velocity as a solo engineer, and I’m actively pushing AI\-first engineering practices across my team\. Previously at Jio Platforms, I engineered a payment engine processing 50M\+ INR daily across 100\+ microservices at 99\.99% uptime\. At Accenture, I built secure financial microservices for enterprise clients across 2\+ years\. Open to Senior Software Engineer and Staff Engineer roles in fintech, payments, and distributed systems — preferably remote\.

## Location

India

## AI stack

anthropic apis

claude code

github copilot

langchain

langgraph

openai

## Work experience

Software Engineer at Allica Bank, Mar 2024 \- Present · 2 yrs 6 mos, Remote, • Delivering end\-to\-end backend systems for core SME banking products including SWIFT/SEPA international payments, bulk payments, payroll processing, interest rate calculation, fee pipelines, multiple savings pots, and business current accounts — owning the full lifecycle from architecture to production\. • Engineered a rule\-based interest rate calculation engine for business deposit accounts — batch\-processes records monthly, applies tiered and boost rates, and dispatches automated customer notifications; supporting 10M\+ transactions/day at 99\.9% uptime\. • Built a fee calculation pipeline that scans account records, computes charges based on product and account\-tier rules, and applies them atomically alongside interest postings for accurate, auditable month\-end settlements\. • Architected savings pots functionality enabling SME customers to manage segregated funds within a single account with independent interest accrual and real\-time balance tracking\. • Built scalable event\-driven microservices using Java, Kotlin, Spring Boot, Azure Service Bus, and Event Grid — improving automated processing performance by 100% and reducing operational costs by 75%\. • Pioneer of end\-to\-end AI\-driven development — independently delivering entire features from requirements to production using Claude Code, GitHub Copilot, and OpenAI Codex; compressing multi\-sprint work into days as a solo AI\-augmented engineer\. • Deployed services to Kubernetes and Azure Container Apps; collaborated with product, platform, and data teams to build scalable, reliable, regulation\-compliant banking systems\.

Senior Software Development Engineer at Fibe\.India \(Formerly EarlySalary\), Jan 2024 \- Mar 2024 · 3 mos, Pune, • Contributed to backend enhancements for real\-time lending systems using Java, SQL, and microservices\. • Optimized SQL queries and database workflows, improving data processing efficiency across lending operations\. • Supported design discussions and architecture improvements for high\-throughput financial services\. • Collaborated with cross\-functional teams to refine loan lifecycle and payments workflows\.

SDE at Jio, Sep 2022 \- Jan 2024 · 1 yr 5 mos, Navi Mumbai, Maharashtra, India, • Built and maintained backend microservices deployed on OpenShift to support large\-scale telecom operations\. • Developed distributed systems handling millions of daily customer actions with a focus on availability and performance\. • Improved system reliability and reduced operational bottlenecks through backend process optimization\. •Collaborated with architects to modernize legacy service components into microservices\.

Application Development Analyst at Accenture, Oct 2021 \- Aug 2022 · 11 mos, Mumbai, Maharashtra, India

Associate Application Developer at Accenture, Feb 2020 \- Oct 2021 · 1 yr 9 mos, Mumbai, Maharashtra, India

Hadoop Developer at Technogeekscs \- Big Data Hadoop, Cloud Computing, Data Science, Machine Learning Training Institute, Mar 2018 \- Aug 2018 · 6 mos, aundh

## Education

Bachelor of Technology \- BTech, Computer Engineering, Bharati Vidyapeeth

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

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