---
title: "Sahil . - Software Development Engineer III in Gurugram | Tal"
description: "Meet Sahil ., Senior Backend Engineer & Architect · Node.js · Microservices · AWS · AI-Augmented | 7 yrs · FinTech · SaaS · Defense based in Gurugram. AI stack includes cursor and opencode."
image: "https://tal.club/meet/sahil-4/share-image"
---

# Sahil \. on Tal

## Headline

Senior Backend Engineer & Architect · Node\.js · Microservices · AWS · AI\-Augmented \| 7 yrs · FinTech · SaaS · Defense

## About

Senior Backend Engineer with 7\+ years architecting and delivering high\-scale systems in across FinTech, defense, and SaaS \- most recently at CarDekho Group \(Rupyy\), one of India's largest auto\-lending platforms\. I own backend infrastructure end\-to\-end: from system design and microservices architecture to production delivery and cross\-team technical alignment\. I work across both microservices and modular monolith patterns, choosing the right model for the problem rather than defaulting to one\. Key impact: → Architected and delivered LoanBox Pro from scratch in 4 months \- 800–1,000 loans/day at launch, Bank MIS automation reducing per\-lead reconciliation from 75\-120 min to under 1 min \(80%\+ reduction\) → Designed versioned journey engine with data\-driven stage pipelines \- new lending product onboarding from 10 days to 6 hours, zero code changes per product → Cut API latency by 35% through microservice decomposition and connection\-pool optimization → Led ECS migration \- 40% platform performance gain, 44% infrastructure cost reduction in 30–35 man\-days → Built SQS\-driven state propagation decoupling LoanBox Pro from all downstream consumers Core stack: → Node\.js · PHP · Express\.js · JavaScript → AWS \(ECS, RDS, Lambda, S3, SQS\) · Docker · CI/CD → MySQL · MongoDB · Redis · Elasticsearch → Microservices · Event\-driven architecture · REST APIs I treat AI tooling as a first\-class engineering discipline \- not a productivity hack: → Google Antigravity \- agentic development for autonomous code generation, test runs, and multi\-step engineering workflows → Claude \- architecture review, code review, API contract drafting, debugging complex async flows → Prompt engineering \- built internal tooling to auto\-generate Express routes from OpenAPI specs, saving the team hours per sprint Recognised 4× by CarDekho leadership: 2× Raise the Bar \(2024 & 2026\), Extra Miles, and Delite Hero \- each tied to a specific system that measurably improved speed, cost, or quality\. Open to Senior Backend Engineer roles at product\-led companies where system design depth and AI\-first engineering matter\.

## Location

Gurugram

## AI stack

cursor

opencode

## Work experience

Software Development Engineer III at CarDekho Group, Jun 2025 \- Present · 1 yr 3 mos, Gurugram, Haryana, India, Leading backend architecture for Rupyy's digital lending platform \- FinTech arm of CarDekho Group\. • Architected microservices cutting API response time by 35% through service decomposition and connection\-pool optimization • Built centralized Content APIs \(Express\.js\) serving structured vehicle data at 99\.9% uptime • Designed URL Shortener \+ Bank API services handling 10,000\+ daily transactions with multi\-bank failover LoanBox Pro \- Greenfield System \(Oct 2025 – Feb 2026\): • Architected and delivered from scratch in 4 months, processing 800–1,000 loans/day at launch with minimal production issues • Designed versioned journey engine with data\-driven stage pipelines \(case punching → state transitions → pre/post\-disbursal\) \- versioned by Product Type \+ Loan Type at lead level; new lending products onboarded with zero code changes • Built parallel post\-disbursal verification stage running sales submission, DocChecker PDD, and Deferral checks concurrently \- replaced sequential bottleneck • Engineered master data cache layer \(SalesUsers, Partners, Cities/Pincodes, journey mappings\) eliminating repeated DB hits • Implemented SQS\-driven lead state propagation \- async event publishing to external client platforms, fully decoupling downstream consumers • Built Bank MIS automation engine \- per\-lead manual reconciliation reduced from 75–120 min \(5–8 sections × 15 min\) to under 1 minute \(80%\+ reduction\) AI in my workflow: • Google Antigravity daily for code generation, test runs, and multi\-step engineering workflows \- \~30% reduction in routine coding time • Claude for architecture review, code review, API contracts, and async debugging • Prompt engineering to auto\-generate Express routes from OpenAPI specs ⭐ Raise the Bar \- Apr 2026 · Scalable data\-driven architecture, reduced TAT and tech dependencies

Software Development Engineer II at CarDekho Group, May 2023 \- Jun 2025 · 2 yrs 2 mos, Gurgaon, • Built and optimized backend systems for Rupyy's digital lending workflows \- reduced average API latency by 28% • Led ECS migration from EC2 \- full AWS integration with ELB, IAM, CloudWatch: 40% platform performance gain, 44% infrastructure cost reduction \(from \~USD 290/month\), completed in 30–35 man\-days • Introduced modular service architecture improving fault tolerance and deployment speed by 50% • Tightened security compliance and scaled infrastructure ahead of growth targets • Used AI\-assisted code analysis to identify bottlenecks in legacy PHP services; AI\-generated IaC templates shortened ECS migration prep by \~2 weeks ⭐ Extra Miles \- Jul 2024 · ECS migration: 40% perf gain, 44% cost reduction ⭐ Raise the Bar \- May 2024 · Modular LoanBox architecture: new product onboarding 10 days → 6 hours

Software Development Engineer I at CarDekho Group, Mar 2022 \- May 2023 · 1 yr 3 mos, Gurugram, Haryana, India, Rupyy \(FinTech division of CarDekho Group\) • Core contributor to LoanBox \- end\-to\-end loan automation platform reducing manual processing time by 45% • Built microservices for multi\-bank and NBFC API integrations, improving throughput by 30% • Implemented Redis caching strategies and optimized SQL queries, significantly reducing DB load • Enabled DocChecker feature reducing Disbursed TAT from 43 min to 34 min; page load from 7s to 4s; expanded platform to BikeDekho Finance underwriting ⭐ Delite Hero \- Aug 2023 · DocChecker feature: TAT 43→34 min, page load 7s→4s, new loan vertical enabled

Software Engineer at Defence Research & Development Organisation \(DRDO\), Mar 2021 \- Feb 2022 · 1 yr, India, Defence Geoinformatics Research Establishment \( Himparisar \), Chandigarh • Built MIRAJ \- secure internal resource and inventory management web app for 200\+ users under defense\-grade data protection policies • Developed offline map and image processing backend improving data retrieval speed by 60% for field operations • Built in\-chat messenger functionality within the web portal

Software Developer at AvitInfotech, Sep 2019 \- Feb 2021 · 1 yr 6 mos, Mohali district, India, Developed and maintained backend infrastructure for three commercial SaaS and WordPress products serving enterprise clients\. Xagio \(xagio\.com\) WordPress SEO plugin and cloud SaaS platform \- now used by 7,900\+ users managing 21,700\+ websites\. Contributed to core plugin infrastructure, MySQL query optimization, and multi\-site management features across the SaaS layer\. Spiderspanker Backend development and maintenance for enterprise\-grade web product\. Local Supremacy Server\-side development and optimization for local SEO SaaS platform\. • Optimized PHP and MySQL queries across all three products \- plugin performance improved by 25%, enabling scalable cloud deployments • Maintained reliability and uptime for multi\-tenant SaaS environments serving enterprise clients

Trainee PHP Developer at Deftsoft, Apr 2019 \- Sep 2019 · 6 mos, mohali

## Education

MBA, Data Science, Amity University Online

BCA, Computer Science, Lovely Professional University

[View the original profile](https://tal.club/meet/sahil-4)

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