Lucky Jain

Engineering executive with 16+ years scaling distributed platforms and high-performance engineering organisations across fintech and insurtech. Currently leading a 40-person engineering org at Acko, owning platforms that drive Rs. 90 Cr+ in monthly GMV across pricing, policy, reconciliation, and marketplace. Built a production Agentic AI platform for real-time voice agents -- RAG architecture, NLP-grounded dynamic tool execution, LLM cost and reliability governance -- achieving ~95% LLM cost reduction and making AI workloads commercially viable at scale.

Owns platform reliability end-to-end: 99.9%+ availability across 150M+ monthly API requests, real-time observability, <1 hour mean time to detection. Known for bridging business strategy and technical execution -- defining architecture direction, scaling organisations from the ground up, and delivering measurable commercial outcomes. Actively uses agentic coding tools and AI-assisted development as standard engineering practice.

Director of Engineering at Acko (2022-12 – Present)

• Built production Agentic AI platform for real-time voice agents -- RAG architecture, NLP-grounded dynamic tool execution, LLM cost/latency/reliability governance; ~95% LLM cost reduction making large-scale AI economically viable. Positioned GenAI as a core engineering capability influencing company-wide AI roadmap.
• Introduced vector database-backed retrieval and predictive AI systems: AI-driven valuation engine generating 8L+ reports at scale, ML-based risk models improving loss ratio by 12%.
• Architected API-first Java/Spring Boot microservices on AWS handling 150M+ monthly requests; full AWS infrastructure ownership (EKS cluster ops, SQS, Kinesis, Redshift). Real-time observability achieving <1 hour MTTD and 99.9%+ availability -- blocking ~50K malicious requests/day via Cloudflare security governance.
• Built and scaled a 40-person engineering org with EM-led structure across 4 platform domains -- hiring, retention, 15+ promotions, accountability frameworks aligned to delivery outcomes. Partnered with CTO and CPO on multi-quarter technical roadmaps tied to revenue and growth.
• Reduced AWS costs 30% ($10K to $7K/month) while scaling GMV 2.4x; improved deployment frequency 50% via CI/CD overhaul; improved on-time delivery 30% through SDLC rigour and engineering metrics.

Engineering Manager, Payments & Transactions at StockX (2022-02 – 2022-11)

• Led payments engineering for a global consumer marketplace -- high-volume, multi-currency transaction flows on Kafka, SQS, and Kinesis with strict reliability and compliance requirements. Increased 3DS authentication success rates 18%; reduced support resolution time 30%.

Senior Engineering Manager at Lifion by ADP (2014-01 – 2022-02)

• Led distributed engineering teams across Chennai and New York building enterprise-grade SaaS on Java microservices with Docker + Kubernetes (self-managed via Terraform) at scale for millions of users. Delivered secure authorisation infrastructure reducing security incidents by 90%.
• Architected metadata-driven configurability platform and low-code workflow system; enforced engineering standards, CI/CD practices, and delivery discipline across distributed teams. Progressed from full-stack cloud developer (MERN stack -- MongoDB, Express, React, Node.js) to Senior Engineering Manager over 8 years.

Senior Software Engineer at Merit · ValueSource Technology · Vizual Business Tools / ADP (2009 – 2014)

• Built foundations in enterprise software, data systems, and full-stack engineering. At Merit, built software for institutional trading workflows on NYfix (FIX protocol connectivity, financial data systems).

Bachelor of Engineering in Electronics & Communication Engineering – SRM College of Engineering, Chennai (2004 – 2008)