UtkarshMishra.
Senior Full Stack Engineer · Fintech · Distributed Systems · AI Engineering. I architect resilient, config-driven systems that move real money at real scale.
Engineer of quiet, resilient systems.
I build fintech backends and interfaces that stay boring under load and read cleanly at 3am.
“Senior Full Stack Engineer with 5.5+ years architecting secure, high-scale distributed systems for Fintech and Payments. Currently leading a high-volume reconciliation platform at Kotak Mahindra Bank. Passionate about improving financial products through smart automations — designing resilient, config-driven systems from the ground up, owning end-to-end delivery, and mentoring teams to ship fast and reliable.”
No copy-paste engineering. Every system earns its architecture.
Curiosity is the compiler. Read the source, question the defaults.
If I have to — smarter than a minute ago.
A decade compressed into five and a half years.
From an intern shipping side projects to leading a nationwide reconciliation engine — every stop taught a different lesson in scale, security, and sanity.
Kotak Mahindra Bank
Serverless reconciliation engine processing 1–2M daily transactions across UPI, BBPS, FasTAG.
- Architected a serverless reconciliation engine on AWS Glue, scaling to 10–20 lakh daily transactions across UPI, BBPS, FasTAG and more.
- Engineered fully config-driven infrastructure spanning micro-frontend UI and Java Spring Boot backend — zero hardcoded logic, one-click module onboarding.
- Implemented reactive stream downloads with Spring WebFlux for large financial reports, cutting latency by 60%.
- Integrated a zero-trust IDAM layer using Ory Hydra OAuth2 for regulatory compliance.
- Built AI workflows generating regression test suites from functional specs, expanding coverage by 40%.
- Delivering L3 production support, RCA, code reviews and mentorship for junior engineers.
Synopsys Inc
Internal chip test platform serving 500+ engineers, powered by Apache Ignite over 10M+ records.
- Led design of an internal chip test tracking platform for 500+ engineers, improving uptime and triage efficiency by 20%.
- Integrated Apache Ignite for distributed in-memory processing of 10M+ chip test records, killing timeout bottlenecks.
- Built real-time analytics dashboards in Next.js + Nest.js delivering stable, data-backed insights.
- Shipped automated failure routing for chip defects and maintained CI/CD pipelines and technical docs.
NPCI · National Payments Corporation of India
Centralized Security Incident Response portal + ELK-powered threat monitoring for India's payments backbone.
- Built a centralized Security Incident Response portal with React, Python and MongoDB for unified threat analysis.
- Automated document encryption via Microsoft O365 APIs, saving 30% of HR time and eliminating manual errors.
- Deployed the ELK stack for real-time security monitoring — 40% faster threat detection and response.
- Prototyped a React Native voucher-scanning app with OCR + AI hitting 85% data extraction accuracy.
Numbers that survived production.
Every metric here was measured after go-live — no lab benchmarks.
The arsenal, honestly used.
Not a hype list — every tool below has shipped in production, on-call, at scale.
How I actually work.
Four moves I make on every serious project, in the same order, whether the deadline is friendly or brutal.
Sit with the business team. Map the transaction, the failure modes, the regulatory edges. No line of code until the domain is loud and clear.
Design config-driven, zero-trust, event-first. Draw the boundaries. Pick boring, resilient tech. Reserve novelty for the parts that need it.
Small PRs, generated tests, feature flags. Reactive streams where latency matters, serverless where scale is spiky, cache where reads dominate.
Dashboards, alerts, RCA rituals. L3 support means the incident is a teacher — every anomaly upgrades the runbook and the system.
Things I built when nobody asked.
Weekend curiosity, tiny tools, and one NPM package quietly living in production apps.
Where the fundamentals were forged.
Visvesvaraya Technological University (VTU), Bengaluru.
Advanced DSA, system design, and applied backend engineering.