Yash Verma profile photo 1 on Tal

Yash Verma

Leading UPI Payments @Fampay(YC), ex Google SOC, Season of Docs, MLH Fellow @Facebook

Bengaluru

6+ years of work experience

Fam
May 20251 yr 5 mosPresent

Bangalore Urban, Karnataka, India

UPI Payments - Working on a UPI platform processing 10M+ transactions/day, scaling architecture to support 50M/day capacity - Architected ledger capabilities for lien management and refunds, improving financial accuracy, traceability, and auditability. - Designed automated refund reconciliation workflows using Temporal, eliminating manual effort and reducing reconciliation time from days to <5 minutes. - Leading re-architecture of UPI systems with data partitioning and a ground-up redesign to enable horizontal scaling for 50M+ transactions/day. (In progress) - Developing a predictive kill switch system (self-initiated) to proactively block high-risk transactions and reduce failure impact. Growth & Engagement Systems (35M reads/day per system) - Designed ranking algorithms for recent contact suggestions using transaction history, improving payment speed and repeat usage. - Built a Nudges Engine to surface actionable prompts on the home screen, improving task completion and user engagement. - Developed backend-driven home screen architecture leveraging user context and campaign systems for dynamic personalization. Team - Mentored and managed 3 interns and 2 full-time engineers, driving onboarding, code quality, and delivery. - Conducted SDE1/2 interviews and contributed to hiring decisions
Fam
Apr 20241 yr 2 mosMay 2025

Bengaluru, Karnataka, India

UPI Payments - Merchant Payment Flows - Designed and implemented merchant payment flows, enabling credit acceptance, refunds, and mandate setup on the platform. - Implemented wallet-to-VPA transfer feature allowing users to send full wallet balances to a chosen VPA. - Built refund functionality for UPI credits stuck due to user limits via merchant VPAs. Core Payment Rehaul - Designed and implemented new debit processing flows, reducing P99 latency by 15% and lowering processing costs by 7%. - Built a rule-based payment source recommendation engine (adhering to NPCI OC183 guidelines) to optimize payment success. - Migrated VPA validation flows to a stateless design, eliminating unnecessary database writes and improving P99 by ~5%, reducing ~8M DB writes/day. - Built a task scheduler to validate merchant data with NPCI servers in a controlled manner. - Designed a transactional data pipeline capturing point-in-time merchant metadata from application databases to ClickHouse via scheduled jobs, enabling accurate historical analysis. - Designed and implemented user suspension flows, including internal client authentication and automated suspension lifting mechanisms. KYC & Compliance - Designed CKYC workflows to synchronize customer data with government authorities using Temporal-based durable workflows to ensure reliable and compliant synchronization. Customer Support: - Built and launched an RAG-based LLM-powered chatbot for customer queries using a vector knowledge base. - Enabled function-calling to fetch live user data for contextual responses. Released for 20K users. - Designed FamCare, an in-house support ERP replacing FreshDesk for CX operations. Team - Mentored and managed 3 interns and 2 full-time engineers, driving onboarding, code quality, and delivery. - Conducted SDE1/2 interviews and contributed to hiring decisions
Fam
Jan 20231 yr 4 mosApr 2024

Bengaluru, Karnataka, India

UPI Payments - Designed and built UPI Autopay from scratch, owning the full lifecycle from architecture to production rollout. - Delivered the first PPI AutoPay implementation in the industry, enabling 120k daily mandate setups and ~150k daily transactions. - Rewrote transaction listing APIs, reducing response times by ~15% and lowering 5xx errors by ~5% across individual and list-view APIs. - Built retry and refund functionality to resolve incoming credits if first attempt fails due to business declines. Customer Support and automations - Built automation bots that deflected 98% of incoming customer support tickets - Developed an ETL pipeline to route customer support tickets from Freshdesk (ERP) to the Refshift data lake for analytics. - Built and publushed custom plugins (SmartPlugs) integrated with payment services and internal auth to provide real-time customer data to support teams. KYC & Compliance - Designed and implemented data-intensive AML (Anti-Money Laundering) systems from scratch, ensuring real-time compliance with RBI and government regulations. - Enabled real-time screening during onboarding and retrospective checks across the entire user base when new risk patterns were introduced. - Implemented Re-KYC flows (selfie, signature) to maintain compliance with RBI regulations as users ages. Infra and Tooling - Built on-demand dev environments to spin up service stacks for testing. - Deployed internal tools (Redpanda Dashboard, Redis Insights) with OAuth integration on Kubernetes.
Sep 20214 yrs 1 moSep 2025

Author and Maintainer of a new project built as part of Google Summer of Code, which helps the laboratory administrators to fine-tune the authentication system as per their needs.
VITspot
Jul 20211 yrJun 2022

Vellore, Tamil Nadu, India

VITspot is the biggest student community in VIT, spread across multiple campuses. Leading the Engineering team that works on projects to ease the lives of students, automated bots that maintain communities and perform redundant tasks, and toolkits that assist in various domains. Handling a diverse tech stack ranging from cross platform mobile application with 10K+ downloads to serverless lambdas that route university students through whatsapp and other communication media.
ACM-VIT CHAPTER
Apr 20211 yrMar 2022

Vellore, Tamil Nadu, India

VITspot
Jan 20217 mosJul 2021

Vellore, Tamil Nadu, India

Founded in 2017, VITSpot is the first and biggest digital media platform in Vellore Institute of Technology, Vellore. An initiative taken by students to bring ease into the lives of all students of VIT, led to the creation of a website, web application, and mobile application known as VITspot.
CircuitVerse
May 20207 mosNov 2020

I will be mentoring the Interactive Book and CircuitVerseDocs Project that aims to create an online interactive guide for digital logic design. https://github.com/CircuitVerse/CircuitVerse/wiki/Google-Season-of-Docs-2020
CircuitVerse
Apr 20204 yrs 6 mosSep 2024

Hyderabad, Telangana, India

To maintain two open source projects of the CurcuitVerse organization on Github, and help contributions make enhancements, suggest methods to improve, and review contributions on the projects.
ACM-VIT CHAPTER
Jan 20202 yrs 3 mosMar 2022

India

Part of the ACM Web Team worked on diverse projects, organized community events, and lead teams on projects.

Yash’s AI Stack

anthropic apis
anthropic apis
claude code
claude code
langchain
langchain
langgraph
langgraph
llava
llava
mcp
mcp

Education

VIT_Vellore Institute of Technology

Bachelor of Technology - BTech, Computer Science

VIT_Vellore Institute of Technology

20194 yrs2023
Doon International school

High School, CBSE

Doon International school

20144 yrs2018

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Headline

Leading UPI Payments @Fampay(YC), ex Google SOC, Season of Docs, MLH Fellow @Facebook

About

I’m a software engineer specializing in large-scale fintech and real-time payment systems, currently building and scaling UPI platforms processing tens of millions of transactions daily. My work focuses on distributed systems, reliability, and data-driven product features that directly impact payment success, user trust, and engagement. I’ve led end-to-end development of critical payment flows (Autopay, merchant payments, refunds, reconciliation), built durable workflow systems using Temporal, and driven architectural redesigns for horizontal scalability at 50M+ transactions/day. Beyond core payments, I enjoy building intelligent systems—from rule-based recommendation engines to LLM-powered support tools—that improve user experience and operational efficiency. I’ve mentored engineers, interviewed candidates, and helped shape team quality and culture. I care deeply about clean architecture, measurable impact, and solving real customer problems at scale.

Location

Bengaluru

AI stack

anthropic apis

claude code

langchain

langgraph

llava

mcp

Work experience

Software Engineer 2 : UPI Payments at Fam, May 2025 - Present · 1 yr 5 mos, Bangalore Urban, Karnataka, India, UPI Payments - Working on a UPI platform processing 10M+ transactions/day, scaling architecture to support 50M/day capacity - Architected ledger capabilities for lien management and refunds, improving financial accuracy, traceability, and auditability. - Designed automated refund reconciliation workflows using Temporal, eliminating manual effort and reducing reconciliation time from days to <5 minutes. - Leading re-architecture of UPI systems with data partitioning and a ground-up redesign to enable horizontal scaling for 50M+ transactions/day. (In progress) - Developing a predictive kill switch system (self-initiated) to proactively block high-risk transactions and reduce failure impact. Growth & Engagement Systems (35M reads/day per system) - Designed ranking algorithms for recent contact suggestions using transaction history, improving payment speed and repeat usage. - Built a Nudges Engine to surface actionable prompts on the home screen, improving task completion and user engagement. - Developed backend-driven home screen architecture leveraging user context and campaign systems for dynamic personalization. Team - Mentored and managed 3 interns and 2 full-time engineers, driving onboarding, code quality, and delivery. - Conducted SDE1/2 interviews and contributed to hiring decisions

Software Engineer : UPI Payments at Fam, Apr 2024 - May 2025 · 1 yr 2 mos, Bengaluru, Karnataka, India, UPI Payments - Merchant Payment Flows - Designed and implemented merchant payment flows, enabling credit acceptance, refunds, and mandate setup on the platform. - Implemented wallet-to-VPA transfer feature allowing users to send full wallet balances to a chosen VPA. - Built refund functionality for UPI credits stuck due to user limits via merchant VPAs. Core Payment Rehaul - Designed and implemented new debit processing flows, reducing P99 latency by 15% and lowering processing costs by 7%. - Built a rule-based payment source recommendation engine (adhering to NPCI OC183 guidelines) to optimize payment success. - Migrated VPA validation flows to a stateless design, eliminating unnecessary database writes and improving P99 by ~5%, reducing ~8M DB writes/day. - Built a task scheduler to validate merchant data with NPCI servers in a controlled manner. - Designed a transactional data pipeline capturing point-in-time merchant metadata from application databases to ClickHouse via scheduled jobs, enabling accurate historical analysis. - Designed and implemented user suspension flows, including internal client authentication and automated suspension lifting mechanisms. KYC & Compliance - Designed CKYC workflows to synchronize customer data with government authorities using Temporal-based durable workflows to ensure reliable and compliant synchronization. Customer Support: - Built and launched an RAG-based LLM-powered chatbot for customer queries using a vector knowledge base. - Enabled function-calling to fetch live user data for contextual responses. Released for 20K users. - Designed FamCare, an in-house support ERP replacing FreshDesk for CX operations. Team - Mentored and managed 3 interns and 2 full-time engineers, driving onboarding, code quality, and delivery. - Conducted SDE1/2 interviews and contributed to hiring decisions

Software Engineer : UPI Autopay, KYC at Fam, Jan 2023 - Apr 2024 · 1 yr 4 mos, Bengaluru, Karnataka, India, UPI Payments - Designed and built UPI Autopay from scratch, owning the full lifecycle from architecture to production rollout. - Delivered the first PPI AutoPay implementation in the industry, enabling 120k daily mandate setups and ~150k daily transactions. - Rewrote transaction listing APIs, reducing response times by ~15% and lowering 5xx errors by ~5% across individual and list-view APIs. - Built retry and refund functionality to resolve incoming credits if first attempt fails due to business declines. Customer Support and automations - Built automation bots that deflected 98% of incoming customer support tickets - Developed an ETL pipeline to route customer support tickets from Freshdesk (ERP) to the Refshift data lake for analytics. - Built and publushed custom plugins (SmartPlugs) integrated with payment services and internal auth to provide real-time customer data to support teams. KYC & Compliance - Designed and implemented data-intensive AML (Anti-Money Laundering) systems from scratch, ensuring real-time compliance with RBI and government regulations. - Enabled real-time screening during onboarding and retrospective checks across the entire user base when new risk patterns were introduced. - Implemented Re-KYC flows (selfie, signature) to maintain compliance with RBI regulations as users ages. Infra and Tooling - Built on-demand dev environments to spin up service stacks for testing. - Deployed internal tools (Redpanda Dashboard, Redis Insights) with OAuth integration on Kubernetes.

Maintainer at caMicroScope, Sep 2021 - Sep 2025 · 4 yrs 1 mo, Author and Maintainer of a new project built as part of Google Summer of Code, which helps the laboratory administrators to fine-tune the authentication system as per their needs.

Lead Software Developer at VITspot, Jul 2021 - Jun 2022 · 1 yr, Vellore, Tamil Nadu, India, VITspot is the biggest student community in VIT, spread across multiple campuses. Leading the Engineering team that works on projects to ease the lives of students, automated bots that maintain communities and perform redundant tasks, and toolkits that assist in various domains. Handling a diverse tech stack ranging from cross platform mobile application with 10K+ downloads to serverless lambdas that route university students through whatsapp and other communication media.

Technical Director at ACM-VIT CHAPTER, Apr 2021 - Mar 2022 · 1 yr, Vellore, Tamil Nadu, India

Software Developer at VITspot, Jan 2021 - Jul 2021 · 7 mos, Vellore, Tamil Nadu, India, Founded in 2017, VITSpot is the first and biggest digital media platform in Vellore Institute of Technology, Vellore. An initiative taken by students to bring ease into the lives of all students of VIT, led to the creation of a website, web application, and mobile application known as VITspot.

Google Season of Docs Mentor at CircuitVerse, May 2020 - Nov 2020 · 7 mos, I will be mentoring the Interactive Book and CircuitVerseDocs Project that aims to create an online interactive guide for digital logic design. https://github.com/CircuitVerse/CircuitVerse/wiki/Google-Season-of-Docs-2020

Project Maintainer at CircuitVerse, Apr 2020 - Sep 2024 · 4 yrs 6 mos, Hyderabad, Telangana, India, To maintain two open source projects of the CurcuitVerse organization on Github, and help contributions make enhancements, suggest methods to improve, and review contributions on the projects.

Core Committee Member at ACM-VIT CHAPTER, Jan 2020 - Mar 2022 · 2 yrs 3 mos, India, Part of the ACM Web Team worked on diverse projects, organized community events, and lead teams on projects.

Education

Bachelor of Technology - BTech, Computer Science, VIT_Vellore Institute of Technology

High School, CBSE, Doon International school

Public links

yashkumarverma.com: https://yashkumarverma.com/