---
title: "VIBHA SINGH - Software Engineer II in Bengaluru | Tal"
description: "Meet VIBHA SINGH, Software Engineer II @ Toast | Backend Engineer | Java | Kotlin | Spring Boot | Distributed Systems | AWS | Microservices | Payments based in Bengaluru. AI stack includes cursor."
image: "https://tal.club/meet/vibha-singh/share-image"
---

# VIBHA SINGH on Tal

## Headline

Software Engineer II @ Toast \| Backend Engineer \| Java \| Kotlin \| Spring Boot \| Distributed Systems \| AWS \| Microservices \| Payments

## About

Backend Software Engineer with 5\+ years of experience designing and building scalable distributed systems, high\-performance microservices, and payment infrastructure using Java, Kotlin, Spring Boot, AWS, DynamoDB, Apache Pulsar, and Event\-Driven Architecture\. At Toast, I design and develop payment orchestration systems that integrate with payment processors and banking partners to support ACH payments, internal fund transfers, payout disbursements, reconciliation, and payment lifecycle management\. I have built distributed, event\-driven services for high\-volume financial transactions, including payment state machines, webhook processing, automated reconciliation, ACH return handling, idempotent payment workflows, optimistic concurrency control, and secure payment integrations\. My expertise includes Backend Engineering, Distributed Systems, Microservices, REST APIs, System Design, Event\-Driven Systems, Payment Processing, FinTech, Apache Pulsar, AWS, DynamoDB, Kotlin, Java, Spring Boot, CI/CD, GitOps, Observability \(Datadog & Splunk\), PCI DSS, OAuth2, JWT, API Design, Performance Optimisation, and Cloud\-native Applications\. I collaborate closely with cross\-functional teams, banking partners, and product stakeholders to design scalable, resilient, and secure backend platforms capable of processing millions of payment events with high availability, reliability, and fault tolerance\. I graduated from Motilal Nehru National Institute of Technology \(MNNIT\), Prayagraj, with a Bachelor's degree in Computer Science and Engineering\. I am interested in building large\-scale backend platforms, distributed systems, cloud\-native infrastructure, payment systems, and high\-throughput microservices\.

## Location

Bengaluru

## AI stack

cursor

## Work experience

Software Engineer II at Toast, May 2025 \- Present · 1 yr 4 mos, Bengaluru, Designed a dual\-purpose payment orchestration service integrating Payment Processor for internal balance transfers and US ACH payout disbursements\. Collaborated with banking partner engineering teams to resolve integration complexities and validate API specifications, facilitating successful contract closure and production launch\. Engineered a payment lifecycle state machine for US ACH orchestration featuring automated reconciliation, ACH return handling, and webhook sequencing\. Developed an Event\-Driven Architecture using EventStrategy patterns for asynchronous updates, publishing to Apache Pulsar for downstream consumption\. Ensured payment rail compliance by developing CAMT053\-compliant Base62 reference encoding for ACH addenda records\. Implemented DynamoDB optimistic locking and atomic transactional writes, achieving 99\.9% reliability for high\-volume concurrent webhook ingestion\. Optimized payment processing latency by 40% using Kotlin coroutines and reduced inquiry latency by 60% through advanced DynamoDB GSI design\. Established Resiliency and Observability patterns including exponential backoff retry policies, Datadog SLOs, and Splunk integration\. Maintained PCI DSS compliance by building dual credential management via AWS Secrets Manager and implementing field\-level encryption\. Mentored 3 junior engineers to understand payment business domain knowledge and requirements, facilitating their onboarding and technical growth\.

Software Engineer at SAP, Jul 2022 \- May 2025 · 2 yrs 11 mos, Developed critical backend Microservices using Spring Boot to support high\-availability enterprise business applications, a solution for resource management in service and project\-based businesses\. Engineered high\-performance RESTful APIs to ensure scalable integration between frontend systems and core backend services\. Optimized deployment CI/CD pipelines in collaboration with DevOps teams to ensure smooth and reliable system operations\. Implemented Master Data Integration \(MDI\) replication functionality, ensuring data synchronization and integrity across enterprise landscapes\.

Associate Software Engineer at SAP Labs, Jul 2021 \- Jun 2022 · 1 yr, Provided technical support for SAP Multi Bank Connectivity \(MBC\), managing digital channels between SAP and global banking networks\. Troubleshot integration issues and performed debugging to ensure seamless financial data transmission\.

## Education

Bachelor of Technology, Computational Science, Motilal Nehru National Institute of Technology

High School Diploma, Sunbeam Academy Group

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

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