Software Engineer SalarySe
Backend Software Engineer for a consumer fintech platform focused on lending, payments, credit cards, and personal finance. Owns the lending vertical across six partners and the in-house Personal Finance Management platform, acting as the sole reviewer for changes across both codebases from schema design and third-party integrations through production support.
Implemented the complete loan lifecycle through partner APIs, including eligibility, KYC, disbursal, EMI repayment, and foreclosure. Integrated credit cards, HRMS payroll, and BBPS bill payments to support self-service customer journeys.
Designed the double-entry transaction ledger for Instacash salary advances and personal loans, reconciling drawdowns, repayments, and balances across approximately INR 1 crore in monthly transaction value. Improved reliability by routing events through Amazon SQS with bounded retries and a dead-letter queue, replacing manual bank-statement reconciliation with replayable failure handling.
Built an email-ingestion microservice from scratch that converts bank and card alert emails into structured PFM transactions using Gmail OAuth, message-level deduplication, and KMS encryption. Re-architected the lending platform into a configuration-driven multi-lender system, scaled integrations from one to six partners, and built a PFM subscription platform serving more than 20,000 consented users and 1,800+ paying subscribers.