Onkar Kulkarni

Software Engineer with 5+ years of experience building scalable, production-grade Flutter applications across fintech, stock trading, and consumer platforms. Most recently architected features on a live cross-border payments platform processing $25B+ in global transaction volume across 190+ countries and 48+ currencies. Strong expertise in BLoC architecture (with working familiarity in Provider), clean architecture, and dependency injection for testable, maintainable codebases.

Experienced in offline data handling, API synchronization, and resolving data consistency challenges, alongside backend development in Node.js and MongoDB. Reduced release cycle time by streamlining CI/CD pipelines to under 30 minutes. Focused on writing clean, reusable code with an emphasis on performance and code quality — on products used by thousands of active users.

Software Engineer - Verto - Pune, India

(2024-03 - 2026-07)

Contributed to Verto's cross-border payments platform, processing $25B+ in global transaction volume across 190+ countries and 48+ currencies, on a live remittance app with 100K+ downloads.

• Architected Flutter applications using BLoC, Clean Architecture, and Dependency Injection (GetIt, Injectable) following SOLID Principles to improve scalability and maintainability.
• Spearheaded an app-wide GoRouter migration, rebuilding navigation and deep linking across the application.
• Led Flutter and Gradle upgrades across the app, custom packages, and plugins with zero regressions.
• Developed Node.js REST APIs and MongoDB services powering production features used by thousands of users.
• Automated CI/CD pipelines using GitHub Actions, integrated Sentry, and streamlined QA build distribution, reducing release time to under 30 minutes.
• Delivered end-to-end stablecoin payment capabilities including onboarding, beneficiary management, inbound payments, and Asia Corridor support.
• Developed secure product capabilities including Roles & Permissions, QR Login, and payment approval workflows.
• Implemented scheduled & recurring payments with currency statement generation.
• Took exchange-rate home widgets from proof of concept to production for Android and iOS.
• Redesigned Wallet and Beneficiary experiences, added animated balance widgets, and integrated PostHog analytics.
• Optimized application performance across tablets while collaborating in Agile/Scrum teams using Jira.

Software Developer - Greeksoft Technologies - Pune, India

(2023-02 - 2024-03)

• Delivered mobile applications to Play Store and App Store using advanced state management (Riverpod, MobX) and offline-first data storage (ObjectBox).
• Implemented REST API integrations, payment gateway functionality, and real-time features using WebSockets and reactive Dart streams.
• Integrated Firebase services (Auth, Database, Messaging) and delivered responsive, cross-platform UI including Flutter web deployment.

Flutter Developer - Mplussoft Technologies - Pune, India

(2021-09 - 2023-01)

• Developed cross-platform mobile applications from UI to deployment, collaborating directly with backend and design teams.
• Integrated REST APIs and implemented state management for production apps on Android and iOS.
• Wrote unit tests, used Git for version control, and optimized app performance across varied device sizes and OS versions.

Bachelor of Engineering - Computer Engineering - Marathwada Mitra Mandal's Institute of Technology (2020-11 - 2023-04)