Headline

Backend Developer | Java • Node.js • Spring Boot | Microservices & API | Banking & Fintech @ Axis Bank

About

I build the backend systems that banks trust — and I've spent the last 3 years doing exactly that at Axis Bank. As a Backend Developer on the Open Banking Platform, I design and ship microservices that power real financial transactions — loan journeys, payment orchestrations, digital KYC, and more. I work with Node.js, Java, Spring Boot, REST APIs, MySQL, Redis, PostgreSQL and AWS daily, building systems that have to be secure, fast, and always on. What I actually enjoy is untangling complexity — turning a tangle of third-party APIs, compliance requirements, and legacy systems into something clean, reliable, and scalable. I've led integrations with CIBIL, Razorpay, Freecharge, Salesforce, and more; reduced settlement errors by 35%; and built services that handle thousands of concurrent banking requests without breaking a sweat. I'm comfortable across the full stack — but backend architecture and API design are where I do my best work. What makes me a little different: I don't just write code. I've also worked as a de facto Business Analyst — raising AOPMs, writing BRDs, designing API constructs in Confluence, and collaborating directly with channel partners and cross-functional teams. I know how to translate business needs into technical specs and vice versa. I take security seriously (VAPT closures, AppSec reviews, and auth middleware are part of my day-to-day, not an afterthought). I'm now looking for my next challenge — a Backend or Full Stack role where I can work on high-impact systems, ideally in fintech, banking, or product companies building at scale. If that sounds like a fit, drop me a message or reach me at smitarani2002sumi@gmail.com .

Location

Mumbai

AI stack

codex

cursor

Work experience

Manager in IT at Axis Bank, Apr 2025 - Present · 1 yr 5 mos, Hybrid, • Architected centralized loan orchestration microservice integrating CIF, collateral, and disbursement workflows , reducing partner onboarding effort by 30% and eliminating redundant system integrations across multiple banking platforms • Designed high-concurrency "Bulk Customer" service processing 10+ concurrent create/update requests, synchronizing data across dual core-banking systems (Finacle and Finlend) with zero data loss in real-time • Delivered 18+ production-ready Node.js microservices for Salesforce LMS integration, enabling seamless end-to-end Personal and Education loan journeys with real-time data exchange via Apex callouts and callback mechanisms • Spearheaded AppSec compliance reviews, VAPT remediation, and DR drill execution for mission-critical banking APIs, maintaining 100% security standard adherence across all production deployments • Accelerated release velocity by 25% through agile sprint planning, backlog grooming, and proactive high-severity incident management, reducing mean time to resolution (MTTR) and strengthening system resilience • Bridged business and technology as de facto Business Analyst—raising AOPMs, authoring BRDs, designing API constructs in Confluence, and translating complex business requirements into scalable technical specifications through direct collaboration with product owners and channel partners

Deputy manager in IT at Axis Bank, Aug 2023 - May 2025 · 1 yr 10 mos, On-site, • Digitized end-to-end microfinance loan onboarding, integrating CIBIL credit checks, Penny Drop bank verification, and Digital KYC APIs—slashing manual processing overhead by 30-40% and improving applicant turnaround time • Engineered high-performance payment orchestration service managing initiation, refunds, status tracking, and T+1 settlements with <200ms latency and 99.9% SLA uptime, cutting settlement errors by 35% through real-time validation and reconciliation • Hardened API security posture by implementing middleware with OAuth 2.0 authentication, role-based authorization, AES-256 encryption, and API rate limiting—achieving 100% VAPT closure and full compliance with RBI banking security mandates • Orchestrated cross-functional collaboration across product, compliance, operations, and technology teams, managing 200+ JIRA tickets end-to-end and ensuring on-time delivery of critical fintech integrations with zero production rollback incidents

Product Engineering Intern at HighRadius, Jun 2022 - Apr 2023 · 11 mos, Bhubaneswar, • Migrated 100,000+ enterprise records from MySQL to Snowflake with 0% data loss, improving dashboard and report loading speed by 40% through optimized query translation • Performed SQL performance tuning on complex queries and stored procedures, reducing execution time from seconds to milliseconds on large datasets • Translated legacy MySQL dashboard queries to Snowflake syntax, ensuring data integrity while enhancing user experience across finance reporting systems

Vocational Training at National Aluminium Company Limited - NALCO, May 2022 - Jun 2022 · 2 mos, Angul, Odisha, India

Internship Trainee at HighRadius, Jan 2022 - Apr 2022 · 4 mos, Bhubaneshwar, • Built machine learning model predicting invoice payment dates with 85% accuracy, enabling proactive collection strategies and optimized cash flow management for finance teams • Developed full-stack A/R Invoice Management web application using React, Java, and MySQL with complete CRUD functionality and automated report generation capabilities

Web Development Intern at WorqHat, Jul 2021 - Aug 2021 · 2 mos, • Developed responsive web applications using modern JavaScript frameworks, delivering pixel-perfect implementations of design specifications within tight 2-month timeline

Education

Bachelor of Technology - BTech, Electronics and Communications Engineering, KIIT - Kalinga Institute of Industrial Technology

vikash residential school