Headline

Software Engineer | Distributed Systems, Payments & Risk Platforms | Building Reliable, Fault-Tolerant Backend Services | Java, Kafka, Redis, AWS

About

Hi, I’m Vikhyat – a backend developer with 3.7+ years of experience building scalable, high-performance systems across two core domains: Payment Gateway, lending and supply chain. Currently, I’m part of the "Payment gateway team" @ PayU(Wibmo), previously in "lending team" @ PayU Finance, where I’ve gained deep exposure to the credit lifecycle, including risk assessment, credit flow, and loan disbursement. I recently led the end-to-end implementation of CKYC and reKYC flows, ensuring compliance alignment and production readiness, while also driving quality through ownership, testing, and monitoring. Earlier, I was part of the supply chain team, working on inwarding flows, inventory movement, and last-mile delivery systems. This experience sharpened my understanding of real-world logistics and inspired me to study high-speed delivery systems like Blinkit, building a broader view of industry-leading practices. This blend of domain knowledge and technical ownership has equipped me to design backend systems that not only scale — but directly impact critical business outcomes.

Location

Hyderabad

AI stack

claude code

claude

codex

cursor

opencode

ChatGPT

Work experience

Software Engineer at PayU, Aug 2024 - Present · 2 yrs 1 mo, Bengaluru, Payment gateway team (Wibmo) - Payment gateway team : Designed and built a real-time risk evaluation engine for payment transactions, implementing velocity-based checks (count/amount thresholds) across card and merchant dimensions using Redis, handling 25L+ transactions/day with low-latency decisioning. - Implemented configurable risk controls including BIN whitelisting/blacklisting, IP filtering, and premium card bypass, with maker-checker workflows for secure rule management. - Built time-windowed counters with dynamic retention logic (e.g., 2h/6h windows) and cache-rebuild mechanisms using persistent storage, ensuring high availability and consistency. - Secured sensitive data using AES encryption and SHA-256 hashing for PII/card data, enabling safe and performant lookups. Tech stack : Java, spring boot, redis, Oracle DB, K8s, Solace (Messaging), Azure. - Payment Gateway Team: Owned the end-to-end design and implementation of the Payment Links feature, enabling merchants to generate dynamic, secure payment links. Tech stack : Java, Spring boot, Redis, OracleDB, K8s, Azure Lending team (Paysense) - Grateful to receive the "Thank You Award" for demonstrating strong ownership early in my journey! - Led the end-to-end implementation of the reKYC & CKYC flows, aligning with compliance requirements and ensuring smooth integration and monitoring. - Successfully initiated and collaborated on testing phases for the reKYC module, ensuring timely delivery and quality. - Took full on-call ownership during a critical week and supported the team by swapping on-call responsibilities during a major release. - Closely worked with QAs and cross-functional teams to make invoice generation features production-ready. - Identified and corrected data inconsistencies in the database, bringing the invoice error rate down to 0%.

Software Engineer at Jumbotail, Aug 2022 - Aug 2024 · 2 yrs 1 mo, On-site, As a (Backend developer) Programmer Analyst , my responsibilities revolves around managing the microservices under my team, develop features (right from requirements gathering to deployment), resolving issues finding the RCAs, helping support teams for resolving issues. Jumbotail is a B2B (business-to-business) e-commerce platform based in India that specializes in providing a digital marketplace for grocery and food products. 1. I spearheaded a critical initiative to ensure inventory accuracy, concentrating on maintaining system integrity. Taking full ownership of the project, I developed necessary processes and implemented missing workflows, while also incorporating essential checks where needed 2. Have successfully revamped the replenish order placement flow to accommodate different products received during inward time, ensuring efficient inventory management. Additionally, have integrated a valuable feature that automatically places orders in case of case size variations, effectively preventing case breaks and streamlining the replenishment process. This has helped in saving 2-3 man hours daily. 3. Have successfully developed and implemented a Return to Vendor (RTV) flow that addresses the challenge of receiving goods that cannot be returned at the doorstep due to logistical constraints involving third-party vehicles. This flow specifically caters to goods with low shelf life or damaged goods, ensuring efficient handling and processing. This has also helped in getting accountability of goods to be returned back to vendor. 4. Have been working on a goods procurement system revamp (Inwarding system) which has improved the efficiency of manpower 5. Have successfully integrated APM (Application Performance Management) metrics monitoring into our microservices architecture, providing us with real-time insights into the performance of our system.

Software Engineer Intern at Jumbotail, Jan 2022 - Aug 2022 · 8 mos, Remote, - Migrated a blocking ingestion pipeline to a non-blocking, fault-isolated architecture, preventing single-row failures from halting processing. Reduced pipeline stall incidents by 50% and improved data availability SLAs for downstream customer support systems. - Gained end-to-end understanding of supply chain workflows by collaborating closely with warehouse and operations teams, covering order processing, inventory handling, and delivery lifecycle management. - Worked directly with warehouse operations teams to understand ground-level operational challenges and translate manual workflows into backend automation solutions. - Built internal operational APIs for on-call and support teams to safely handle failure recovery, cancellations, and manual state-correction workflows, reducing direct database interventions and operational errors.

Django Developer at DOCCCITA, Sep 2021 - Jan 2022 · 5 mos, - I've worked on the authorization part in Django. - Integrated frontend and backend code.

Mobile Application Developer at The Sparks Foundation, Nov 2020 - Jan 2022 · 1 yr 3 mos, Hyderabad, Telangana, India, - Created an android app with features like money transfer. - It had features like adding money, transfering.

Education

Bachelor of Technology - BTech, Computer Science, Malla Reddy College of Engineering & Technology

Public links

github: https://github.com/vikhyat187