Headline

SDE-2 Backend Engineer | Fintech & Payments | Java · Spring Boot · Kafka · PostgreSQL

About

Backend engineer with 5+ years building high-scale production systems in fintech and telecom — currently at Kotak811, where I've independently designed and shipped core infrastructure from scratch. What I've built: → Credit card onboarding platform (multi-tenant, 500+ customers/day, 10% MoM growth) — integrated partners like Paisabazaar and SuperMoney end-to-end. → Rewards engine processing 20,000+ transactions/day across Card, UPI, E-com & POS — owned backend design, delivery, and production rollout solo. → Large-scale ETL pipeline handling 300,000+ secured card transactions/day — Kafka + Parquet ingestion, dedupe-safe execution, DLQ handling. → KYC/vKYC/Face Liveliness modules at 20,000+ verifications/day — RBI-compliant, PII-safe, built to spec. Before Kotak811, at Airtel Digital I owned User Management APIs serving 70M+ daily requests, and shipped Wi-Fi and DTH recharge APIs consumed by GPay and Paytm. I like owning problems end-to-end — from system design to production rollout. 🔧 Stack: Java · Spring Boot · Kafka · PostgreSQL · Redis · AWS SQS · Docker · Microservices 🏦 Domain: Payments · Credit · UPI · KYC · Core Banking

Location

Bengaluru

AI stack

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Work experience

Software Development Engineer 2 at Kotak811, Jan 2024 - Present · 2 yrs 9 mos, Bengaluru, Karnataka, India

Software Engineer at Kotak811, Jan 2024 - Present · 2 yrs 9 mos, Embedded as FDE for Paisabazaar and SuperMoney on a multi-tenant credit card onboarding platform; owned partner API contracts and UAT, shipping to production at 500+ onboardings/day, 10% MoM growth. Designed, built, and shipped the customer rewards engine end-to-end — 20,000+ transactions/day across Card, UPI, E-com, POS — supporting 25% MoM growth. Built an AI-powered integration-testing agent for reward-engine QA, cutting a 2-day validation cycle to under 2 hours and removing a recurring release bottleneck. Primary technical point of contact across partners and internal teams (Product, QA, TechOps); turned partner requirements into specs and drove zero-downtime rollouts. Built an ETL pipeline for 300,000+ secured card transactions/day via Kafka and Parquet, with duplicate-safe execution and reliable PostgreSQL persistence. Implemented KYC, vKYC, and Face Liveliness (20,000+ KYC/day) with RBI-compliant encryption and secure PII handling. Configured API Gateway (routing, throttling, versioning) and Kafka / AWS SQS async flows with DLQ handling and safe replay. Contributed to the Kotak 811 savings account opening backend, supporting 28,000+ accounts/day at high API traffic. Built a custom logging framework, dashboards, and alerting — cutting TechOps onboarding time, MTTR, and production-debug effort. Fixed critical production bugs, sustaining uptime across 240,000+ daily API requests. Optimized internal CMS tools to streamline business workflows and reduce engineering dependency.

Senior Software Engineer at Airtel Digital, Jul 2022 - Dec 2023 · 1 yr 6 mos, Pune District, Maharashtra, India

Associate Software Engineer at Accenture, Dec 2020 - Jul 2022 · 1 yr 8 mos, Mumbai, Maharashtra, India

Co-Founder at Hackstrap, Mar 2020 - Dec 2020 · 10 mos

Co-Founder at ConfigureU, Sep 2019 - Apr 2020 · 8 mos

Education

Bachelor of Technology - BTech, Information Technology, Kalinga Institute of Industrial Technology, Bhubaneswar

Kendriya Vidyalaya 1 , Salt Lake, Kolkata

Public links

github: https://github.com/skmony

leetcode: https://leetcode.com/skmony