---
title: "Swapnil Tagwale - Software Engineer (NewTap Finance) in Greater Bengaluru Area | Tal"
description: "Meet Swapnil Tagwale, Engineering @ NewTap Finance | ex-PhonePe | BITS Pilani based in Greater Bengaluru Area. AI stack includes codex, cursor, and opencode."
image: "https://tal.club/meet/swapnil-tagwale/share-image"
---

# Swapnil Tagwale on Tal

## Headline

Engineering @ NewTap Finance \| ex\-PhonePe \| BITS Pilani

## About

Backend Engineer with 5 years of experience building high\-throughput, reliability\-critical systems at PhonePe and Walmart\. I currently lead core fintech platforms for Digital Gold and Mandates, where I scaled the ecosystem from thousands to millions of daily transactions and launched several revenue critical high\-impact product launches\. My background ranges from global\-scale infrastructure at PhonePe & Walmart to building from 0 to 1 as a founding engineer at a startup\. I specialise in end\-to\-end product execution—from complex system design and partner integrations to high\-TPS production operations and disaster recovery\. I thrive on owning ambiguous problem spaces and delivering measurable business impact at scale\.

## Location

Greater Bengaluru Area

## AI stack

codex

cursor

opencode

## Work experience

Software Engineer \(NewTap Finance\) at CRED, Jun 2026 \- Present · 3 mos, Bengaluru, Karnataka, India

Software Engineer at PhonePe, Jan 2024 \- Jun 2026 · 2 yrs 6 mos, Pune District, Maharashtra, India, ◦ Backend Engineering owner of Digital Gold and Category Mandate ecosystem, leading all product launches and Engineering Excellence initiatives\. Ensured high standards for deliverables and seamlessly bridged the gap between Engineering, Product and Business requirements by delivering scalable, customer\-focused solutions that aligned with business goals\. ◦ Successfully architected and migrated the Digital Gold and Mandate systems from a synchronous to asynchronous architecture, dramatically enhancing system throughput and unlocking the ability to handle high TPS\. This strategic shift significantly improved scalability, responsiveness, and fault tolerance, making the ecosystem resilient to spikes in traffic and future\-ready for exponential growth\. ◦ Launched and managed the entire Engineering lifecycle from concept to maturity of the Daily SIP feature, involving integration of JAR and SafeGold as a strategic partner, ensuring robust and scalable solutions with external organisations\. Successfully delivered Upsell feature of Gold Mandates, enabling 45% increase in ATV for daily and monthly SIPs\. ◦ Resolved technical debts, defined transaction reconciliation and alerting processes\. Provided on\-call support and authored detailed runbooks, reducing repeat incidents by 90%\. ◦ Ensured Disaster Recovery readiness and executed service and infrastructure migrations\. Implemented service ecosystem readiness involving capacity planning, infrastructure scaling, and performance optimization for high\-traffic events, ensuring seamless customer experiences\. Contributed to an open\-source library by fixing a critical bug, upstreaming the change to benefit wider developer adoption ◦ Actively participated in hiring and organisation building activities, mentored team members and fostered a collaborative engineering culture\. Promoted best engineering practices through code reviews and knowledge transfers\.

Founding Team \(Lead Engineer\) at Zeko, Mar 2023 \- Dec 2023 · 10 mos, Gurugram, Haryana, India, • Led the development of a comprehensive backend including data modelling and DevOps infrastructure from scratch\. • Demonstrated exceptional problem\-solving skills in adapting to evolving product needs, resulting in a robust, scalable backend\. • Successfully integrated key features such as WhatsApp, Emails, Payment Gateways, and Property Management Systems, optimizing customer convenience and streamlining staff operations\. • Spearheaded product discussions for critical user behaviour analysis and automated the hotel onboarding process\. • Applied best practices and insights to align technology solutions with business goals, driving significant performance improvements and cost efficiencies\.

Software Engineer II at Walmart Global Tech India, Jul 2021 \- Feb 2023 · 1 yr 8 mos, Bengaluru, Karnataka, India, • Key member of Walmart's Communications Platform team, responsible for managing and delivering millions of daily transactional communications across various markets using a Java/J2EE and Azure\-based microservices architecture\. Designed and implemented the Scheduling Comms feature, and led rigorous stress testing for holiday season preparedness\. • Drove significant tech improvements in analytics, partner service integrations, and data migration using Apache Kafka, along with contributing to operational and infrastructure management\. Enhanced platform automation and quality control through expertise in Jenkins, DevOps pipelines, and Cucumber for integration testing\.

SDE Intern at BlueJeans by Verizon, Jan 2021 \- Jun 2021 · 6 mos, Bengaluru, Karnataka, India

## Education

Bachelor of Engineering, Computer Science, Birla Institute of Technology and Science, Pilani

MS, Mathematics, Birla Institute of Technology and Science, Pilani

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

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