Education2012 — 2016
National Institute of Technology (NIT), Meghalaya
B.Tech, Electrical and Electronics Engineering
Meghalaya, India
Bachelor of Technology in Electrical and Electronics Engineering.
Open to new opportunities
Building Scalable
Financial Systems
Module Lead · FinTech Architecture · Backend & Distributed Systems · Applied AI
Module Lead and backend architect with 8+ years building lending platforms, payment systems and the AI layer on top of them — including a term-loan product that grew to ₹250 Cr+ AUM and a production RAG platform for enterprise decision support.
MB
Mayur Krishna Borah
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- 8+
- Years Experience
- ₹250 Cr+
- Annual AUM Impact
- 95%+
- Payment Processing Improvement
- 99%
- System Availability
- 90%+
- Tickets Closed Within SLA
About Me
I build systems that solve real business problems.
I work primarily on financial technology and lending platforms, now as a Module Lead driving AI transformation and platform modernization. My work sits across backend systems, APIs, databases, distributed processing, payment systems, cloud infrastructure and the business-critical financial workflows that tie them together.
That has meant building and improving Loan Origination Systems and Loan Management Systems, designing lending products, payment and settlement systems, co-lending workflows, data pipelines and analytics platforms — the kind of software where correctness matters as much as throughput, because the output is money moving.
I enjoy solving complex engineering problems, improving system performance and designing reliable systems that scale with business requirements.
Technologies
Full stack ↓- Python
- Django
- DRF
- Celery
- PostgreSQL
- Redis
- DynamoDB
- AWS
- Lambda
- S3
- Glacier
- SQS / SNS
- Athena
- ECS
- CloudWatch
- Docker
- Git
- SigNoz
- React
- TypeScript
- Next.js
Career
The Journey
From lending platforms and payment infrastructure to AI-driven systems — milestone by milestone.
Start · 2012
- EducationNIT2012 — 2016
- PublicationIEFeb 2017PublicationFeb 2017
IEEE Publication
Study of Lightning Impulse Propagation and Reflection in Transmission Line Tower
IEEE Xplore
Published research on lightning impulse behaviour in transmission line towers.
Read on IEEE Xplore- Power Systems
- Research
- Mile 01INJun 2016 — Dec 2017Enterprise SystemsJun 2016 — Dec 2017
Infosys Ltd
System Engineer
Pune, India
First engineering role — enterprise delivery, distributed search and cloud data pipelines.
- RESTful Services
- Distributed Search
- Azure Data Factory
- Delivery Coordination
- Coordinated engineering workflows for a team of developers delivering client specifications under enterprise delivery cycles.
- Re-engineered a legacy distributed customer search query engine using streamlined RESTful endpoints for fast record lookup.
- Configured large-scale cloud data replication pipelines with Azure Data Factory, resolving upstream bottlenecks to accelerate operational reporting.
- Mile 02ETJul 2020 — May 2021APIs & DevOpsJul 2020 — May 2021
Endron Technologies Pvt. Ltd.
Software Developer
Delhi, India
Built REST APIs and the container and CI tooling around them for client-facing products.
- Django REST Framework
- Query Profiling
- Data Modeling
- Docker
- CI/CD
- Engineered low-latency RESTful APIs with Django REST Framework against strict business validation requirements.
- Conducted query profiling, index restructuring and schema improvements to hold sub-second execution across growing datasets.
- Led client-facing discovery sessions to capture domain rules and structure multi-tenant normalized data models.
- Built and managed containerized testing and deployment workflows using Docker, Git and automated Bitbucket CI/CD pipelines.
- Mile 03PCJul 2021 — Mar 2024Lending & PaymentsJul 2021 — Mar 2024
Desiderata Venture Private Limited
Progcap
Software Engineer — Core Lending Product Team
Delhi, India
Built and scaled the core lending product — term loans, payments, settlement and the risk logic around them.
- Term Loan Product
- Loan Lifecycle (LOS/LMS)
- Payments & Settlement
- Serverless Microservices
- Risk Rule Engine
- Performance Engineering
- Mentorship
- Built the Term Loan product from inception to production — moratoriums, margin funding, flat and reducing interest models, multi-tier ROI configuration and tranche-based disbursal workflows.
- Reduced day-end processing from 90 minutes to 10 minutes and month-end processing from 22 hours to 1.5 hours through query, batch and workflow optimization.
- Integrated payment rails (PayU, YBL) and built asynchronous real-time settlement across IMPS, NEFT, RTGS and UPI, cutting transaction turnaround from 30 minutes to 2 minutes.
- Designed a serverless OCR invoice parser on AWS Lambda, Tesseract, SQS, SNS, S3, DynamoDB and Django to intake, parse and structure raw B2B invoice data.
- Constructed a lending risk mitigation rule engine governing stop-billing constraints, tranche-based multi-day locks and automatic stepper credit updates.
- Mentored and evaluated associate engineers, supervising deliverables and driving production feature ownership.
- Mile 04PFApr 2024 — PresentAI & PlatformCurrentApr 2024 — Present
Progfin Private Limited
A Desiderata Group Company
Module Lead — AI Transformation, Innovation & Infrastructure
Delhi, India · Hybrid
Leading AI transformation, analytics and platform modernization after the group's expansion into lending operations — transitioned from Desiderata Venture Pvt. Ltd. (Progcap).
- Retrieval-Augmented Generation (RAG)
- Large Language Models
- Predictive Modeling (AUM/DRR)
- Analytics Dashboards
- Legacy Modernization
- Infrastructure Reliability
- Team Leadership
- Architected and deployed “Company Brain”, an enterprise knowledge platform on a production RAG architecture, centralizing multi-source knowledge retrieval and cross-functional decision support.
- Engineered AI-driven Daily Run Rate (DRR) and Assets Under Management (AUM) predictive forecasting models, mitigating forecasting variance and reinforcing quarterly business planning.
- Formulated an automated ISD Ticket Reduction Framework using tailored AI classification workflows to auto-resolve structural support tickets and lower engineering overhead.
- Designed a Panchang-based forecasting framework to identify relationships between regional festivals and lending demand trends.
- Designed and developed executive analytics dashboards with Django and React.js, delivering real-time KPIs, portfolio analytics, drill-down reports and decision-support visualizations.
- Led modernization of the enterprise lending stack (LMS, LOS and supporting microservices), upgrading Python 3.6 → 3.12 and Django 2.2 → 5.2 with seamless releases and improved security posture.
- Maximized resilience with automated Celery cluster recovery tooling and auto-scaling ECS policy triggers, sustaining high platform uptime.
- Led and mentored a software engineer — code reviews, technical design guidance and career development.
The road continues
Featured Projects
Systems I've designed and shipped
Each one links to a full case study covering the problem, the approach, my contribution and the outcome.
Engineering & Architecture
How these systems fit together
Conceptual patterns behind the platforms I've worked on. Select a pattern, then hover or focus any stage to see what it does.
The path a loan takes from application to settled money movement, with each stage owning a distinct part of the lifecycle.
LOS—Origination — intake, eligibility checks and approval.
Tech Stack
Tools grouped by the job they do
Technologies I use regularly, organised by their role in the stack rather than listed at random.
Backend
05Core application and service layer.
- Python
- Django
- Django REST Framework
- REST APIs
- Celery
Databases
03Transactional stores, caching and key-value workloads.
- PostgreSQL
- Redis
- DynamoDB
AWS
12Cloud infrastructure and managed services.
- ECS
- ECR
- RDS
- Aurora
- S3
- S3 Glacier Deep Archive
- Lambda
- SNS
- SQS
- DMS
- Athena
- CloudWatch
DevOps
04Build, ship and release workflow.
- Docker
- Git
- GitHub
- CI/CD
Observability
04Knowing what production is actually doing.
- SigNoz
- CloudWatch
- Logging
- Monitoring
Frontend
04Interfaces for internal tools and product surfaces.
- React
- Next.js
- TypeScript
- Vite
Data & Architecture
08How data moves and how systems are structured.
- CDC
- AWS DMS
- Data Warehousing
- Data Archival & Tiering
- S3 Lifecycle Policies
- Event-Driven Architecture
- Microservices
- Distributed Processing
Engineering Impact
Measurable improvements, not just shipped features
Performance, reliability and cost outcomes from optimizing systems already running in production.
Payment TAT
Reworked the payment processing path so the majority of payments settle in a fraction of the previous turnaround time.
Before
~30 min
After
~2 min
93% faster end to end
Day-End Processing
Restructured day-end batch workflows and query paths to cut the nightly close from hours to minutes.
Before
~120 min
After
~10 min
92% faster end to end
Month-End Performance
Significantly reduced
Month-end processing time reduced significantly through system redesign and database optimization across high-volume tables.
Reliability
~99% uptime
Helped maintain approximately 99% availability for business-critical lending and payment services.
Cost Optimization
~₹5 L saved
Infrastructure and database cost savings delivered through query tuning, right-sizing and workload optimization.
Open Source
Public repositories
Code I've published on GitHub, pulled live from the GitHub API.
Writing
Latest blogs
Notes on backend engineering, fintech systems and the performance work behind them.
Contact
Let's build something meaningful.
I'm open to interesting engineering problems, technology discussions and new opportunities.
Based in Greater Noida, India