Omnifi, a fully-owned subsidiary of Arthmate, was established to capitalize on our technology and expand its reach beyond internal use. Originally developed for Arthmate’s internal needs, our technology platform quickly attracted significant interest from other NBFCs and FinTech companies.We are currently developing a cutting-edge "Lending as a Service" platform on AWS. This platform features a multi-tenant Loan Management System, with a sophisticated architecture consisting of:• Control Plane: Manages onboarding, tenant administration, identity verification, observability, billing, and other essential functions.• Application Plane: Hosts core application logic and data management.Our technology stack includes a range of AWS services (API Gateway, ELB, WAF, Shield, Cognito, Managed Kafka, ECS, RDS Aurora, S3, ELK, etc.), along with Java, Spring (Boot and Batch), ReactJS, and Node.js.As a senior architect, I actively engage with all stakeholders to design the entire product. Work closely with CTO and founders to define the product landscape.

Joined the start-up in its early growth phase and built a comprehensive lending platform from the ground up. Due to the B2B2C business model of Arthmate, existing market products were not suitable, so we developed a complete lending stack including:• Lending Operating System (LOS)• Loan Management System (LMS)• Underwriting Engine• Analytics & Reporting ToolsThe MVP was launched within 4 months, and within next 18 months, over 200 sourcing partners were onboarded. The LMS supports both term loans and lines of credit.Key Achievements:• Integration: Developed integrations with major banks (Axis, ICICI, RBL) for disbursements and middleware to connect with credit bureaus (TU CIBIL, CRIF) for underwriting. Integrated with India Stack (BBPS, NACH, CKYC, PAN KYC, E-sign) and third-party providers like Karza for a seamless digital lending experience.• Co-Lending Platform: Created a platform for NBFCs to co-lend with banks or other NBFCs, supporting CLM 1 (real-time) and CLM 2 (direct assignment) models, capable of managing separate loans and repayment schedules.• Collections System: Built a collection system integrated with LMS, featuring an MVP with a Feet on Street (FOS) app, a collection portal, and two-way LMS integration. The FOS app supports multilingual options, payment collection (Cash, UPI, BBPS), and integrates with device maps. Future releases will include analytics and intelligent case allocation.Together, these initiatives formed Arthmate's proprietary credit exchange, with the unique selling proposition of automatically assigning incoming leads to matching co-lenders.

Worked on modernisation of a financial data capture system for a multinational financial services organization. The legacy application was redesigned to a distributed system using Java, Apache Spark and Angular.

Currently working on defining architecture and designing the applications for different projects which will be hosted on AWS EKS and also use other AWS services.As part of the architecture team, I was working on a modernization program for moving the most business-critical application from a monolithic platform to a Kubernetes based container platform. Large scale OSS adoption was implemented.

I was working on a modernization program for moving the most business-critical application from a monolithic platform to a Kubernetes based container platform. Large scale OSS adoption was implemented.Lead team for suite of applications for our shipping client.

Worked on modernisation and redevelopment of contract and billing system of one of the world's largest port operator. Peak team size of 60+. Lead the team and was the single point of contact at the client location.Also worked on an driverless goods train navigation project which also modernised paper based train graphs with electronic ones.

Worked as the part of architecture and development team for a large legacy modernization project.