---
title: "Shubham Rawat - Architect in Bengaluru | Tal"
description: "Meet Shubham Rawat, Architecting Core Systems @ PowerUp Money| Ex- Paytm, Uni based in Bengaluru."
image: "https://tal.club/meet/shubham-rawat-1/share-image"
---

# Shubham Rawat on Tal

## Headline

Architecting Core Systems @ PowerUp Money\| Ex\- Paytm, Uni

## Location

Bengaluru

## Work experience

Architect at PowerUp Money, Apr 2026 \- Present · 5 mos, Architected and set up the complete Snowflake data warehouse for Powerup Money, leveraging Snowpipes, Streams, Dynamic Tables, external database shares, and external stages \(S3 and third\-party\) to enable end\-to\-end data ingestion for all analytics needs Set up automated tasks to push enriched data to MoEngage and AppsFlyer, powering downstream marketing campaign enrichment Spearheaded AI adoption initiatives across the engineering team, driving developers to leverage AI for at least 50% of their coding output, and built a low\-end AI\-powered service to automate PR reviews Initiated and led a cost optimisation effort across MongoDB and Temporal infrastructure: separated Tier 1 and Tier 2 database clusters, right\-sized clusters, reduced backup frequency for Tier 2 databases, prioritized secondary reads where possible, and migrated to NVMe\-based clusters — saving \~30% \(\~$4,000\) in monthly MongoDB costs Rewrote Temporal workflows by consolidating smaller activities and right\-sizing execution frequencies for long\-running recurring workflows, reducing monthly Temporal costs by 60% and achieving a 10x reduction in execution time

Principal Engineer at PowerUp Money, Apr 2025 \- Apr 2026 · 1 yr 1 mo, Spearheaded the introduction of a time\-series database to power daily portfolio investment journey tracking, including benchmark comparisons via simulated investment performance, processing 50M\+ computations per day at scale and continuously growing Led the complete architectural design of the mutual fund advisory system — engineering a high\-speed data ingestion pipeline from MFCs \(Mutual Fund Companies\) that refreshes user portfolios within 30 seconds of fetch, alongside a subscription\-based premium service offering fund ratings, rankings, and portfolio rebalancing recommendations Led all infrastructure decisions and partnered with SRE to architect and set up the complete AWS infrastructure for the new company from the ground up Drove the tech stack and design decisions for the Mutual Fund Execution \(MFE\) service, creating 5\+ new microservices to handle buy/sell transactions for mutual funds with integrations into BSE and RTAs \(Registrar and Transfer Agents\)

Software Developer 3 at Uni Cards, Jan 2024 \- Mar 2025 · 1 yr 3 mos, Led a complete team responsible for building a new sister company registered under a P2P\-NBFC license from the ground up Architected and developed 10\+ micro\-services powering the platform's core lending engine — handling investments from N lenders and disbursal of loans to M borrowers Designed a matchmaking algorithm to pair lenders with borrowers, optimising to minimise risk while maximising investor returns Built internal OpenSearch and AWS S3 client libraries to eliminate code duplication across services, abstracting connection handling, retries, and async processing into a config\-driven, plug\-and\-play setup Built the repayment pipeline to collect loan repayments and distribute proceeds back to investors on a proportionate basis

Software Developer 2 at Uni Cards, Jul 2022 \- Dec 2023 · 1 yr 6 mos, Spearheaded the development of "PayChek," a monthly micro\-loan disbursement system enabling users to access funds on specific days each month for a minimal convenience fee, onboarding 300,000\+ customers and achieving a monthly disbursal rate of INR 800 crore with an average disbursal size of INR 25,000 Innovated a Peer\-to\-Peer \(P2P\) investment\-as\-a\-service system enabling investments in various Non\-Banking Financial Companies \(NBFCs\), adding 50,000\+ customers within the first year and facilitating investments exceeding INR 150 crore Initiated and developed an early\-stage reward store focused on enhancing user engagement and loyalty Contributed to the creation of a dynamic offer platform designed to reward users based on their card spending activity

Software Developer at Uni Cards, Oct 2021 \- Jun 2022 · 9 mos, Bengaluru, Designed and developed a comprehensive delivery tracking platform, integrating with delivery partners like Bluedart and Delhivery through both real\-time and asynchronous workflows, streamlining communication and enabling efficient distribution of 40,000\+ cards per month

Senior Software Engineer at Paytm, Jun 2021 \- Sep 2021 · 4 mos, Engineered a Backend\-for\-Frontend \(BFF\) layer orchestrating 10\+ microservices with multilingual support based on user preference, establishing an efficient gateway for seamless integration between front\-end and back\-end systems Built a reusable SQS integration library for Node\.js, simplifying message queue adoption and standardizing asynchronous communication across services

Software Engineer at Paytm, Sep 2018 \- Jun 2021 · 2 yrs 10 mos, Noida, Developed and managed a comprehensive recharge and bill payments system supporting 1500 transactions per second \(TPS\), significantly enhancing user convenience and operational efficiency Implemented an automated bill payments and reminders system that processed 500,000\+ user bill payments in its first month, streamlining the billing process and elevating the customer experience Designed and launched a merchant notification system for small businesses, improving communication and engagement with their customer base

Software Engineer Trainee at Ameyo, Oct 2017 \- Jun 2018 · 9 mos, Gurgaon, India

Software Engineering Intern at TO THE NEW, Jun 2017 \- Jul 2017 · 2 mos, Noida Area, India

## Education

Bachelor of Technology, Information Technology, ABES Engineering College

[View the original profile](https://tal.club/meet/shubham-rawat-1)

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