Headline

Engineering Manager | AI Engineering Leader | FinTech Product Engineering | Low-Latency Trading Systems | Java | Python | C#.Net | Azure Cloud | ML | Agentic AI | Distributed Systems | Banking & Payments | 20+ Years

About

I am an Engineering Manager and Product Engineering Leader with over 20 years of experience designing, architecting, and delivering enterprise-scale platforms across Banking, Financial Services, FinTech, Electronic Payments, Trading, Treasury, Wealth Management, and Cloud Engineering. Throughout my career, I have partnered with global banks, product organizations, architects, and executive stakeholders to modernize legacy systems, design cloud-native financial platforms, optimize transaction performance, and lead globally distributed engineering teams delivering mission-critical solutions. My expertise spans Java, Python, C#, Microsoft Azure, AWS, Spring Boot, Distributed Systems, Low-Latency Architecture, SWIFT Payments, FIX Protocol, Microservices, API Design, Kubernetes, Docker, Terraform, Cloud-Native Development, Product Engineering, DevOps, and Solution Architecture.My career has been built around solving highly complex engineering problems, leading high-performing teams, mentoring technology professionals, and delivering platforms that balance scalability, reliability, security, and business agility. Key Career Highlights: • 20+ years leading enterprise engineering across global banking and financial institutions. • Reduced payment transaction latency by 30% within 20 days, improving customer experience and platform efficiency. • Reduced Azure cloud infrastructure costs by 30% through architecture modernization and cloud optimization. • Architected Azure cloud-native platforms processing over 1 million payment transactions daily with 99.99% availability. • Delivered cloud optimization initiatives saving $5,000+ per month through serverless architecture. • Scaled Integrella Consulting from a 2-member engineering team to more than 100 engineers. • Designed enterprise banking platforms supporting SWIFT Payments, FIX Protocol, Treasury Systems, Wealth Management, SAP Payment Engine, and General Ledger integrations. • Successfully delivered enterprise solutions for Standard Bank, UOB, Standard Chartered, DBS, Credit Suisse, RBS, UBS, ABN AMRO, and Fidelity Investments. • Mathematics Olympiad Winner with strong foundations in Applied Mathematics, Statistics, and Algorithm Design. I am passionate about building intelligent financial platforms, mentoring engineering teams, leveraging AI to accelerate software development, and helping organizations modernize enterprise technology through scalable architecture, cloud innovation, and engineering excellence.

Location

Greater Bengaluru Area

AI stack

claude code

codex

cursor

gemini

github copilot

Work experience

Freelance Information Architect at Confidential, Jun 2026 - Present · 3 mos, Bangalore (Remote), • Working on Creating, Training, Validating and Deployment of Machine Learning Models.

Senior Technical Consultant(Remote - Contract) at Integrella, Mar 2020 - Mar 2026 · 6 yrs 1 mo, Bangalore Urban, Karnataka, India, • Lead engineering delivery for Standard Bank Offshore while driving cloud modernization, enterprise banking tr**ansformation, AI-enabled engineering, and product innovation. Key Responsibilities: • Lead engineering development for enterprise banking, payments, treasury, wealth management, and regulatory platforms. • Architect Azure cloud-native applications processing over 1 million payment transactions daily. • Design highly scalable APIs supporting SWIFT payments, treasury operations, wealth management, and financial messaging. • Develop cloud-native solutions using Java, Python, Azure Functions, Azure Logic Apps, Cosmos DB, Service Bus, and API Management. • Implement cloud automation using Terraform, Kubernetes, Docker, Azure DevOps, and Infrastructure as Code. • Optimize cloud infrastructure, reducing Azure operational costs by 30%. • Reduce payment transaction latency by 30% through architecture optimization. • Lead a high-performing engineering team while mentoring developers and strengthening engineering standards. • Collaborate with business stakeholders, architects, product managers, and global engineering teams to deliver enterprise financial platforms.

Lead Software Engineer at Comtel Solutions, Jan 2018 - May 2019 · 1 yr 5 mos, Singapore, • Developed enterprise electronic FX trading platforms integrated with Bloomberg using FIX Protocol. • Designed APIs supporting Spot, Forward, and FX Swap trading. • Built low-latency financial applications using Java, Spring Boot, Docker, and Kubernetes. • Supported DevOps implementation, infrastructure planning, and enterprise platform modernization. • Collaborated with business stakeholders to deliver scalable trading platforms.

Senior Technical Architect at Optimum Solutions, May 2016 - Dec 2017 · 1 yr 8 mos, Singapore, Worked for Standard Chartered Bank for WholeSale Banking • Developed End to End workflow application for Trade Pricing for Workbench 2.0 along with its database design. • Implemented alerts and notification and integration with Event Calendar. • Developed common artifacts for PDF Reporting using JASPER Reports. • Implemented REST Authentication with Legacy workbench using both SOAP and REST for backward and forward capabilities. • Excelled the workflow application Trade Pricing to calculate pricing for each client per unit of Trade or on allocation basis. • Absorbed jboss-fuse ESB Technology to generate OSGI modules using blueprint for CallReport 2.0. This is for Micro Services Architecture. • Converted oracle Java Driver into OSGI Bundle and resolved all issues related to it. • Performed REVERSE Egnineering to generate all Entities, Services, pojos, repositories along with Junit Test cases using Spring ROO. • Implemented the solution implementation for CallReport 2.0 • Designed the Database tables and corresponding java entities • Performed table partitioning and index application • Implemented database auditing using hibernate envers. • Implemented REST services • Wrote implementation to copy data from one bean to another bean at any depth using recursion and reflection • Written database migration scripts. • Designed and Implemented reporting solution for PDF Export using Jasper Reports. • Designed and Implemented Audit Export using Excel Framework. POC: Started with POC on cloud and big data to map reduce some 100 million records in big data using hadoop and Apache Spark.

Senior Lead Developer at DBS Bank, Jul 2015 - May 2016 · 11 mos, Singapore, MAS 649 - Maximum Cumulative Outflow Reporting - Deployed via Comtel Solutions On 6 August 2014, MAS published for public consultation a draft MAS Notice on the Liquidity Coverage Ratio (“LCR”) requirement for banks in Singapore, together with proposed revisions to the Minimum Liquid Assets (“MLA”) requirement. MAS 649 for DBS facilitates the maintenance of LCR - High-quality liquid assets (“HQLA”), and computation of outflows and inflows. This considers the major significant curriencies and supersedes the MAS Notice 613. Responsbilities:- - Involved in communication with business regarding requirements,analysis,inception and clarification - Devised common services for generation of reports for Contractual, Behavioural Cashflows and Residual Maturity - Created common interface to deal with all Significant Currencies - Created the common interface to perform aggregated calcultion on different products like Security, Repo, Facility, Deal-Import, Account, LoanDepo Murex and Loan Depo - Implemented the services and DB tier with Spring Data JPA - Designed database with table partitioning for large tables - Implemented the fork-join pool feature in unix shell scripting to generate drilldown data parallely - Integrated JXLS 2.0 with Java 8 and generated MAS649 Reports - Exposed the General Ledger mapping using REST to business - Seup the SSL setup for application on JBOSS - Performed implementation using Java 8 cutting edge parallelism for calculation engine. - Managed the infrastructure with IBM - Established the deployment infrastructure on JBOSS EAP 6.4 on RED HAT Linux - Established Splunk for logs indexing and exception management - Optimised stored procedures and queries for better performance - Performed a number of POC for Weblogic 12c deployment on Java 8 Technology Stack: Java 8 (with parallelism), Apache Camel, Spring 4.0, Hibernate 4, Spring Data JPA, Jxls 2.0, Oracle 12.1, JBOSS EAP 6.4, JMS, Apache CXF

Vice president - Reference Data at Credit Suisse, Mar 2011 - Jun 2015 · 4 y 3 mo, Singapore, Worked for development of intellimatch to perform live data matching and reconciliation using Java and oracle coherence

Education

Computer Engineering, Computer Science, Kurukshetra university

Secondary School, Physics, Chemistry, Biology and Mathematics, Govt Boys Senior Secondary School Moti Bagh 1 New Delhi 110021

Public links

github: https://github.com/viraajgarg