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Yogesh Duggar

Senior Backend Engineer @ finb.ai | Building Agentic Lending Intelligence for India | Scaled APIs to 500K+ req/hr | Python · Node.js · AWS · GenAI

Bengaluru

4+ years of work experience

FinB
Jan 20266 mosPresent

Bengaluru, Karnataka, India

FinB
Jan 20251 yr 1 moJan 2026

Gurugram, Haryana, India

Backend ownership for finb.ai's credit-decisioning, bureau, and KYC — used by NBFCs, digital lenders, and neobanks across India. - Scaled production APIs 300× to 500K+ req/hr — rearchitected hot path, optimized DB access, removed sync bottlenecks - Cut feature turnaround ~70% through cleaner system boundaries - Built resilient integrations with CIBIL, CRIF High Mark, Experian, eNACH — retries, idempotency, fallback flows - Drove infra and data design across a small team — cursor-based pagination on multi-million-row queries, cache invalidation, DB pooling - Improved observability — structured logging, CloudWatch dashboards for per-client API usage
Care.fi
Apr 20249 mosDec 2024

Gurugram, Haryana, India

Care.Fi is a healthcare-focused lending platform. I worked on the backend that powers loan lifecycle and operations. - Built backend services for loan disbursal, repayment, and MIS reporting workflows — covering the full lifecycle from origination to recovery - Integrated eNACH, CIBIL, and CRIF — improved API performance and reduced failure rates on critical bureau and mandate calls - Automated invoice and insurance document processing using AI/OCR pipelines, cutting manual ops effort and turnaround time
Cosmic The Business Society
Oct 20221 yr 7 mosApr 2024

Education

Chitkara University

Bachelor of Engineering - BE, Computer Science

Chitkara University

20214 yrs2025

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Yogesh Duggar on Tal

Headline

Senior Backend Engineer @ finb.ai | Building Agentic Lending Intelligence for India | Scaled APIs to 500K+ req/hr | Python · Node.js · AWS · GenAI

About

I build backend for Indian lending. The systems that decide who gets credit, how fast, and at what risk. At finb.ai I scaled production from a few hundred to 500K+ req/hr (300×), shipped resilient bureau / eNACH / KYC integrations, and cut feature turnaround ~70%. Now building an Agentic Lending Intelligence System — an AI layer for LOS, LMS, CMS, and KYC infra. Purpose-built on the actual data and edge cases of Indian credit, not generic AI retrofitted to banking. Open to fintech / AI / systems conversations. 📧 yogesh.duggar921@gmail.com

Location

Bengaluru

Work experience

Senior Software Engineer at FinB, Jan 2026 - Present · 6 mos, Bengaluru, Karnataka, India

Software Engineer at FinB, Jan 2025 - Jan 2026 · 1 yr 1 mo, Gurugram, Haryana, India, Backend ownership for finb.ai's credit-decisioning, bureau, and KYC — used by NBFCs, digital lenders, and neobanks across India. - Scaled production APIs 300× to 500K+ req/hr — rearchitected hot path, optimized DB access, removed sync bottlenecks - Cut feature turnaround ~70% through cleaner system boundaries - Built resilient integrations with CIBIL, CRIF High Mark, Experian, eNACH — retries, idempotency, fallback flows - Drove infra and data design across a small team — cursor-based pagination on multi-million-row queries, cache invalidation, DB pooling - Improved observability — structured logging, CloudWatch dashboards for per-client API usage

SDE Intern at Care.fi, Apr 2024 - Dec 2024 · 9 mos, Gurugram, Haryana, India, Care.Fi is a healthcare-focused lending platform. I worked on the backend that powers loan lifecycle and operations. - Built backend services for loan disbursal, repayment, and MIS reporting workflows — covering the full lifecycle from origination to recovery - Integrated eNACH, CIBIL, and CRIF — improved API performance and reduced failure rates on critical bureau and mandate calls - Automated invoice and insurance document processing using AI/OCR pipelines, cutting manual ops effort and turnaround time

Member at Cosmic The Business Society, Oct 2022 - Apr 2024 · 1 yr 7 mos

Education

Bachelor of Engineering - BE, Computer Science, Chitkara University