📧 [email protected] | 📞 +91 9602899695 | LinkedIn: ajay1134 | Portfolio: ajay-1134
Backend Software Engineer with experience building large-scale fintech, payments, onboarding, and risk-management systems across ScanPay and NPCI. Skilled in Golang, PostgreSQL, distributed systems, Stripe integrations, event-driven architectures, and microservices. Experienced in designing ACH payment infrastructure, merchant onboarding platforms, fraud-intelligence systems, and transaction-control workflows serving thousands of merchants.
Golang, Java, C++, Python, JavaScript
Gin, Echo, GORM, gRPC, REST APIs, React
PostgreSQL, MariaDB, Redis, CouchDB, MongoDB
Kafka, AWS SQS, Docker, Linux, Git
Stripe, ACH, Financial Connections, KYC/KYB
Microservices, Distributed Systems, Event-Driven Architecture, RBAC
Hyderabad, India
Spearheaded the migration of ACH payment processing from Plaid to Stripe Financial Connections using Golang, PostgreSQL, and Stripe PaymentIntents, modernizing bank-account verification, balance validation, and webhook-driven settlement workflows for a platform processing 1.9M+ lifetime transactions.
Led the redesign of a legacy merchant-team architecture, separating merchant and team responsibilities and enabling scalable one-to-many merchant-to-team relationships, role-based access control, and onboarding workflows supporting 25K+ teams and 45K+ merchants.
Architected and implemented SignUp V2, a unified onboarding platform supporting organic, referral, reseller, and invitation-based user journeys while automating merchant, team, and access provisioning workflows.
Built a risk-intelligence pipeline that captured device, IP, geolocation, behavioral, and third-party fraud signals (IPQS, CleverTap, Geo APIs) during onboarding and KYC/KYB workflows, enabling risk-based underwriting and fraud detection across 45K+ merchants.
Captured device fingerprints, IP data, and geolocation during onboarding and KYC/KYB workflows.
Integrated IPQS, CleverTap, and Geo APIs for comprehensive fraud signal collection.
Enabled automated risk scoring and fraud detection across 45K+ merchants.
Designed and developed a transaction buffer-limit system that enabled temporary limit extensions with configurable validity windows, real-time consumption tracking, archival workflows, and automated expiry handling.
Developed a risk-driven limit orchestration engine supporting approval, modification, and rejection of model-generated limits with automatic propagation across payment methods and invoice controls.
Built and maintained backend services and internal operational tooling using Golang, PostgreSQL, AWS SQS, Docker, and React, supporting merchant onboarding, payments, risk management, and business operations.
Software Engineer · Hyderabad, India
Developed a payload validation engine in Golang (Gin, Echo) that routed by payload type and applied rule-based checks, reducing validation latency by 25.4% and improving API throughput.
Designed and implemented Golang microservices for GSEC auction lifecycle management, enabling secure processing of 100+ auction operations per month.
Wrote and deployed Hyperledger Fabric chaincode in Go for voucher CRUD operations; built backend services to sync MariaDB with on-chain state, and processed 50K+ ledger events/day via Kafka for real-time updates.
Engineered a Go-based fail-safe retry mechanism for inter-service calls (30/60/90-second back-offs), reducing request failure rates by 18.6% and improving system resilience during outages.
B.Tech. in Information Technology · CGPA: 7.01/10.0 · Mangalore, Karnataka · Aug 2020 – Apr 2024
Solved across coding platforms, including 1500+ on LeetCode.
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Backend Software Engineer · Fintech · Payments · Distributed Systems