---
title: "Sumit Raj - Engineering Manager in Bengaluru, Karnataka | Tal"
description: "Meet Sumit Raj, AI Engineering Leader – Risk, Trust & Safety @ Razorpay | Payments Infrastructure | Fraud & Risk Platforms | Agentic AI | Distributed Systems | Author – Building Chatbots with Python (Apress, NY) | Speaker based in Bengaluru, Karnataka. AI stack includes cursor, gemini, and ollama."
image: "https://tal.club/meet/sumit-66/share-image"
---

# Sumit Raj on Tal

## Headline

AI Engineering Leader – Risk, Trust & Safety @ Razorpay \| Payments Infrastructure \| Fraud & Risk Platforms \| Agentic AI \| Distributed Systems \| Author – Building Chatbots with Python \(Apress, NY\) \| Speaker

## About

Sumit Raj is an Engineering Leader with over 13 years of experience specializing in fintech, payments infrastructure, and risk management\. Currently leading Trust & Safety engineering at Razorpay, he designs high\-throughput distributed systems that secure complex financial transactions\. Sumit has a proven track record of scaling engineering teams, improving platform reliability, and pioneering the integration of Agentic AI to automate risk operations and developer workflows\. A published author and technical speaker, he is passionate about mentoring talent and building resilient products from 0 to 1 in high\-growth environments\.

## Location

Bengaluru, Karnataka

## AI stack

cursor

gemini

ollama

openai

## Work experience

Engineering Manager at Razorpay, Jul 2024 \- Present · 2 yrs 1 mo, Bengaluru, Leading engineering across Merchant & Transaction Risk and Post\-Payments Risk charters\. Responsible for building intelligent, scalable, and high\-reliability risk systems for one of India’s largest payments platforms\. AI / Agentic Systems Built and drove Bumblebee, a production\-grade AI Risk Agent that flags risky merchants in under 90 seconds and achieved \~99% accuracy on low\-risk cases\. Designed and evangelized Agentic SDLC workflows using AI\-assisted development and DevRev automation, reducing manual execution overhead and demonstrating 3–5x productivity potential\. Built a browser automation AI agent for proactive compliance and risk investigation, capable of autonomously navigating merchant websites, simulating checkout journeys, collecting evidence, and alerting teams for potential network policy violations\. Platform / Reliability / Scale Own risk systems including Shield, a low\-latency service managing risk decisions for traffic contributing to 17% of India’s card transactions\. Led reliability improvements that reduced 502 errors by \~95%\+ through deep debugging, permanent fixes, and platform hardening\. Automation / Operations Impact Drove automation that reduced operational service load by \~19% month\-over\-month\. Enabled \~2,400 tickets per month to be auto\-closed through workflow automation and risk intelligence improvements\. Platform Thinking / Productization Built and evolved Risk Alert Service as a central intelligence layer ingesting 13\+ internal signals, evaluating policy\-driven rules, and triggering downstream workflows such as case creation and notifications\. Leadership Scaled team structure and led multiple pods across Recon/Risk transitions\. Built momentum in a high\-ambiguity charter and helped scale the subgroup from a smaller setup to a stronger multi\-engineer organization\. Mentored engineers into larger ownership, including growth toward Lead and Staff\-level expectations\.

Engineering Manager at Unacademy, Jul 2022 \- Jun 2024 · 2 yrs, Bengaluru, Karnataka, India, \- As an EM took end to end responsibility of Growth and Payments team of Unacademy responsible to manage payment system of 500\-600 Cr annually \- Led multiple refactoring and optimization projects to reduce cost while keeping 100% uptime of the services \- Worked with Sales and Business team to set up processes for seamless co\-ordination in order to improve throughput and productively of the team I also worked as an IC during the critical times of the company where I \- Owned engineering efforts for the revenue vertical \- Responsible for architecture, implementation and delivery for various 0\-1 products \- Conceptualise, Designed, Architected, Implemented & successfully launched the in\-house CRM for a sales team of over 5000\+ business executives to optimise revenue generation via sales/leads conversion \- Built and managed a team from scratch within Unacademy for handling Sales Technology initiatives, responsible for managing realtime event tracking across the platform, data engineering pipelines, sales incentive calculation, dialler/outbound\-calling systems

Engineering Lead at Unacademy, Feb 2021 \- Jul 2022 · 1 yr 6 mos, Bengaluru, Karnataka, India, \- Worked on building multiple 0\-1 products as Lead \- Not just led the team but played as an IC and code 80% of the time \- Built in house tool called Atlas for educator management, KPMG auditing features, Contract management, Learner Management, Unacademy Centres quality dashboard for Leadership and verious other metrics tracking\. \- Built a web\-app and ETL pipeline to extract data from Analytics DB and do queries to show vertical, group, category, goal level revenue single handedly\.

Senior Architect at Roam\.ai \(formerly GeoSpark\), May 2018 \- Feb 2021 · 2 yrs 10 mos, Bengaluru, \- Design & Architecture of a system handling 20,000\+ RPS & TBs of data cleaning & crunching \- Serverless APIs, millions of logging every second using techs like Lambda, Kinesis Data Stream/Delivery Stream, S3, Redshift, API Gateway\. \- Hired and built the youngest team in terms of experience who helped build a system handling millions of requests/day \- Solved Core Engineering problems with less cost and high reliability\. \- Location Intelligence & deriving user insights to help businesses understand their customer better \- Part\-time Product Management, Adding up new features, enhancements for better product usability & reliability\. \(Ideation => Design => Code => Delivery\) \- Optimizing the process of building good software and make it market\-fit\. \- Learnt reviewing DPAs, Contract Terms, Software Licensing Agreements, Pricing Strategy for clients\. \- POC for any technical discussions, support for feature development, pilot for major clients\.

Data Science Expert Mentor \| Carrer Counselling & Advice \| Mock Interviews at TapChief, Jan 2018 \- Feb 2021 · 3 yrs 2 mos, Online, \- Mentored 20 Postgraduate students for the diploma course on Data Analytics from IIIT\-Bangalore for their 1\.5 month capstone project\. \- 300\+ calls for • ML Mock Interview • Resume Review • Career Counselling • Data Science & Data Analytics Special Request Mock Interview • Capstone Project Mentorship • Project Viva Call I had the opportunity to guide people from almost 80\+ unique companies where mentees are working or have worked with\. Below are a few to name: • American Express • Tata Consultancy Services • Accenture • HP • Microsoft • VMware • Amazon • Wipro • Limited • Infosys • Samsung Electronics • PHILIP MORRIS • Resolvo Systems • HungerBox • Target • Powerweave • Honeywell • Cognizant • Reactore • SAP Labs India • IBM • Huawei • Royal Bank of Scotland Business • Credit Suisse • Huntington National Bank • Cardinal Health • J\.P\. Morgan • Mphasis • Research Councils UK RCUK • Nokia • NTT DATA Services • Dell • Mindtree • GT Nexus • Silicon Labs • Verifone • Citibank India • Motorola Solutions • Concentrix • Honeywell • Tech Mahindra • Meditab

Python Mentor at HackHands, Jan 2016 \- Feb 2021 · 5 yrs 2 mos, Online, It’s like calling 911 for your code\. When you need help, you push a button, and your request goes out to the HackHands’ community, a group of knowledgeable, vetted professionals\. Within minutes, you’re connected with a mentor through video chat and screen share\. Together, you can work through problems, edit code, review architecture, or talk through questions\. You can get unstuck\. Immediately\. As a hack\.hands\(\) expert, I get paid to help others in need, build relationships and reputation\. Additionally, their platform allows me to help others at my convenience with no commitments, and takes care of reputation management and payments\.

## Education

Bachelor of Engineering \(B\.E\.\), Information Science Engineering, Dayananda Sagar College of Engineering, BANGALORE

Coursera

[View the original profile](https://tal.club/meet/sumit-66)

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