Designed and developed end-to-end Lender and IFA
onboarding lifecycle APIs with multi-role support (single user mapped to multiple
lender and partner IDs), handling 1M+ API requests per day and 1M+ monthly onboardings in production.
Delivered Loan Management System APIs covering the
complete lifecycle from user creation to loan disbursement, CKYC, bank validation,
video KYC, Account Aggregator, CIBIL, eSign, and eNACH, reducing manual KYC by 50%.
Architected and built complex investment and portfolio
management APIs supporting multiple products, current principal tracking, portfolio
maturity handling, and investment-to-loan mapping at scale.
Built daily ledger and cashflow batch processes to
compute principal outstanding, interest, SWP, platform fees, repayment cashflows,
and portfolio-level ledger balances.
Delivered highly complex cashflow distribution batch
jobs to allocate EMI, prepayment, part-payment, restructuring, and settlement
amounts across lenders based on proportional investment share in respective loans.
Engineered repayment logic handling SWP payouts,
platform fee deductions, portfolio maturity payouts, shortfall adjustments, and
automated eSIP execution, ensuring accurate lender settlements.
Applied rollback and failure-handling mechanisms in
batch processing to ensure zero data inconsistency, with automated email and message
alerts for successful and failed executions.
Created a reusable Java 17 + Spring Boot 3 RegTech
library for identity and financial validations (PAN, Aadhaar, bank, CKYC, DL,
Passport, OCR), integrating multiple vendors including Karza (Perfios), Digitap,
Digio, and Paynimo with intelligent retry and fallback mechanisms to ensure high
reliability and regulatory compliance.
Integrated backend APIs with the Angular frontend and
coordinated with external vendors for API integration into their systems, driving
business growth and increasing investment inflows to crores.
Resolved 250+ critical production issues and owned
end-to-end development, deployment, and monitoring of features in high-availability
production environments.
