Headline

Senior Backend Engineer | AI-Integrated SDLC | Fintech & Lending Infrastructure

About

Senior Software Engineer with 5+ years in fintech and e-commerce. Owned money movement flows in Cash+ secured lending product with deep expertise in disbursals, mandate registration, and collections via eNACH and UPI Autopay. Optimised high-throughput logistics systems at Flipkart serving millions of users through Big Billion Days and peak sale events. Built across the AI agent stack including MCP servers, agent skills, and domain tooling, consistently leveraging AI across the full software delivery lifecycle from design through production monitoring.

Location

Bengaluru

AI stack

claude code

claude

codex

mcp

Work experience

SDE-3 at Locus, Jun 2026 - Present · 3 mos, Bengaluru, Karnataka, India, Building Network Capacity Management and Promise Engine for Locus Encore (multi-tenant agentic TMS)

Back End Developer at CRED, May 2024 - Apr 2026 · 2 yrs, Bengaluru, Karnataka, India, • Owned money movement flows for Cash+ (secured lending product) built 0 to 1 on a greenfield stack: bank selection, mandate registration and presentation, disbursal, and loan servicing including foreclosure and repayments; designed DynamoDB schemas underpinning Cash+ origination journeys and modules, later adopted across lending LOBs • Built a lender and tenant agnostic integration and orchestration layer (LIS) for all lender interactions across disbursal, foreclosure, and repayments; extended to Shadow LMS via dual-write and reconciliation; made the auto-debit service lender and tenant agnostic for multi-LOB support • Integrated UPI Autopay mandate registration into Cash+: extended the bank selection layer to validate UPI instrument eligibility via VPA lookup, and introduced the new UPI flow without modifying existing netbanking flows; adjusted presentation scheduling for T-1 notification compliance per UPI Autopay rail requirements • Built insurance integration for Cash+: designed the amount selector to derive max disbursable amount within eligible collateral where insurance premium and processing fee are both dynamic; preserved user-selected disbursal amount regardless of opt-in, making insurance a direct revenue stream • Owned end-to-end design and delivery of Lending Operations, a new risk index calculation service on Shadow LMS, from requirements through architecture; used AI to accelerate codebase discovery, design, and implementation, with thorough review driving 100% SLT coverage. • Took ownership of the month-on-month auto-debit collection cycle across all lending LOBs with deep knowledge of eNACH and UPI Autopay constraints including presentation windows and Razorpay rate limiting; built Datadog and autopay debug tools for AI agents and connected collection health to Slack for plain-English queries

SDE - 2 at Flipkart, Apr 2023 - May 2024 · 1 yr 2 mos, Bengaluru, Karnataka, India, • Led design and implementation of Request Processor module for Global Shipment Master; migrated Cartman to CDC-based data ingestion for Flipkart Data Platform, improving data consistency and analytics reliability • Optimised E2E Orchestrator: implemented new thread pool for action DAG execution, resolved thread pool exhaustion via flow-wise isolation reducing P0 MTTR, debugged using JMC/JVisualVM thread dumps and JFRs; managed peak traffic through Big Billion Days and May Sale serving millions of users • Owned Event Rationalisation end-to-end: cut accounting system event types from 100+ to 6 standardised contracts, independently navigating a fuzzy problem statement

SDE - 1 at Flipkart, Mar 2021 - Mar 2023 · 2 yrs 1 mo, Bengaluru, Karnataka, India, • Delivered Exchange Later generating INR 1400 CR incremental GMV and Paperless Invoice saving INR 50 CR annually across cross-functional teams • Led Shipping Deprecation: migrated legacy components across the E2E ecosystem, reducing technical debt

Software Engineer at OYO, Aug 2020 - Feb 2021 · 7 mos, Gurugram, Haryana, India, • Revived and scaled Java/Python Flask microservices for Overbooking across multiple countries with end-to-end ownership; built critical components in Prepaid microservice including CSV uploader • Reduced API latencies using Redis caching and read replica routing

SDE Intern at OYO, Jan 2020 - Jul 2020 · 7 mos, Gurugram, Haryana, India, • Implemented fault tolerance using Hystrix circuit breaker patterns; built creation and removal flows for the Restrictions microservice end-to-end

Teaching Assistant at Pepcoding Education Private Limited, Jun 2019 - Jul 2019 · 2 mos, Greater Delhi Area

Education

B.E., Computer Engineering, Thapar Institute of Engineering & Technology

Public links

github: https://github.com/preeteeshsharma

leetcode: https://leetcode.com/preeteesh