Building payment infrastructure that scales to billions.
I'm Prakash Agarwal — a Software Development Engineer at Razorpay. I shipped Cardless EMI on the Optimizer product — driving ₹35 Cr+ in GMV — and I'm the core engineer driving the decomposition and re-architecture of UPI Autopay from a monolith into modular back-end services — owning planning, exploration, solutioning, and execution. I write Golang, Python, Java — and obsess over low-latency, high-throughput systems at fintech scale.
Curious by nature, engineer by trade.
I've always been fascinated by how computers work. I pursued my B.Tech in Computer Science at IIIT Dharwad, where I dove deep into distributed systems, blockchain, cloud computing, DevOps, parallel computing, and cryptography.
What I love most about programming is the problem-solving. The moment a tricky system finally clicks together — the latency drops, the throughput climbs, the design just makes sense — that's the part I'm chasing every day.
Today I'm at Razorpay. I shipped Cardless EMI on the Optimizer product — driving ₹35 Cr+ in GMV — and I'm the core engineer driving the decomposition and re-architecture of UPI Autopay from a monolith into modular back-end services: planning, exploration, solutioning, implementation, and distributing the work across the team under our staff engineer. Earned the Explorer Award for challenging conventional implementation approaches. Outside of work, you'll catch me grinding LeetCode (Top 2.2% globally), playing chess, or going down a rabbit hole on some new tech.
The numbers I'm proudest of.
Real outcomes from shipped work — measured in business value, latency, and reliability.
GlobalLearn — AI-powered educational dubbing
An AI platform that dubs educational content into multiple languages in real-time and auto-generates structured notes. Led a team of 4 and architected a SaaS stack designed to scale to 10K+ concurrent learners.
Live · pulled from APIs
Things I've built.
A mix of AI platforms, biometric security research, and distributed systems projects.
GlobalLearn
Led a team of 4 to build an AI-powered platform that dubs educational content into multiple languages for accessibility. Created the AI and back-end servers for real-time dubbing and auto note generation. Architected the SaaS stack to scale to 10K+ concurrent users. Earned 7★ on GitHub from devs around the world.
- Python
- Django
- AWS
- GCP
- Express.js
- TypeScript
- MongoDB
FingerPrint-Sequencing
Proposed and engineered a sequential multi-fingerprint biometric authentication system focused on enhanced identity validation. Led a team of 4 on back-end implementation and biometric workflow. Processed datasets of 600 individuals to validate the authentication mechanism.
- Python
- OpenCV
- Biometrics
Digital Twin of Water Management
Built a digital twin model on blockchain for institutional water supply management. Implemented predictive allocation using XGBoost, improving water resource optimization efficiency by ~20% and reducing wastage by ~15%. Extended into published IEEE research at SmartNets 2024.
- Python
- XGBoost
- TensorFlow
- Keras
- Node.js
- Blockchain
What I work with.
Languages, infra, and storage I reach for daily — plus things I'm comfortable jumping into.
Languages
- Golang
- Python
- Java
- C++ · TypeScript
Back-end
- Gin (Go)
- Django · DRF
- Express.js
- REST · Microservices
Cloud & DevOps
- AWS
- Docker · Kubernetes
- Spinnaker v3
- Kafka · CDC
Databases
- MySQL
- PostgreSQL
- MongoDB
- Redis
Where I've worked.
Software Development Engineer 1
Decomposing the UPI Autopay workflow from the API monolith into modular back-end services — reduced API response latency from 4s to 2s. Built Cardless EMI on the Optimizer platform (~₹35 Cr GMV) and migrated the downtime…
Back-end Python Developer Intern
Converted manually maintained JSON structures to an optimized MySQL schema managed by Django ORM — improving operational efficiency by ~50%. Integrated org-provided APIs to sync hospital camp details and prescription ass…
Research contributions.
Digital Innovation in Water Governance: Exploring the Synergy of Digital Twins and Blockchain
Agarwal, Prakash et al. (May 2024). 2024 International Conference on Smart Applications, Communications and Networking (SmartNets) — Smart Cities and Internet of Everything (SmartNets 2024–SCitiesIoE). Harrisonburg, USA, p. 7.
Read the paperLet's build something great.
Open to interesting backend & distributed systems opportunities, collaborations, or a friendly chat about latency budgets.