Vikrant Tomar

Software Engineer with 4.6 years of experience in the FinTech and NBFC (BFSI) industry, specializing in building scalable and secure enterprise-grade backend systems. Proficient in Full-Stack Development with expertise in Java (Spring Boot) and React.js. Skilled in microservices architecture, REST APIs, Kafka, Redis, and AWS cloud deployment.

Experienced in CI/CD, design patterns, and performance tuning. Solved 200+ problems on GeeksforGeeks and LeetCode, demonstrating strong data structures and algorithmic skills.

Senior Software Engineer at SA Technologies (Client: BharatPe (FinTech)) (2025-03 – Present)

• Developed microservices in the Lending Risk platform, enriching merchant data for Scienaptic, resulting in a 49L+ monthly disbursement increase.
• Enabled bureau-based pre-qualification, generating 4K+ incremental leads per month and reducing marketing costs by 1L+.
• Integrated merchant category filtering during onboarding/QC, enhancing lender selection accuracy by 20%.
• Migrated contact reference storage to MongoDB, improving performance and validation throughput by 30%.
• Configured log-based Coralogix triggers for real-time API monitoring, reducing issue detection time by 70%.

Software Engineer at U GRO Capital (NBFC) (2022-06 – 2025-03)

• Resolved complex payment issues, strengthening risk controls and reducing repayment failures by 25%.
• Delivered daily analytics and BI dashboards, improving decision-making and reducing SLA breaches by 15%.
• Worked on PID and SID diagrams to streamline supply chain workflows, cutting API integration time by 20%.
• Implemented Auto Knock-Off for repayments, reducing manual effort by 60% and human errors by 90%.
• Built and secured RESTful Repayment APIs with OAuth 2.0, improving uptime and response time by 35%.
• Led Co-Lending Tagging to classify loans accurately, ensuring 100% audit compliance.
• Designed and implemented a Disbursal Reversal system utilizing Command and Chain of Responsibility patterns; enhanced code maintainability, resulting in a 40% reduction in bug resolution time for the development team.
• Contributed to frontend development with React.js for internal dashboards and loan servicing modules, enhancing user experience and reducing operational query resolution time by 25%.

Backend Developer Intern at U GRO Capital (2021-11 – 2022-06)

• Assisted in backend development for modules like Invoice Outstanding, Disbursement, and Repayment, expanding platform capabilities.
• Built key repayment features such as Excess Payment Refund and reconciliation logic, reducing manual waivers by 90%.
• Contributed to Spring Batch-based data migration, enhancing reliability and reducing migration time by 30%.

B.Tech in Computer Science – Lovely Professional University (2018-08 – 2022-07)