Arya Pathak payments backend engineer
payments Prepaid Payment Systems

Arya Pathak

Software Engineer @ PhonePe
Payments Backend · Distributed Systems

Building reliable infrastructure for prepaid payments, from merchant APIs to distributed data systems.

Professional experience

payments
PhonePe Jul 2026 – Present
Software Engineer · Prepaid Payment Instruments (PPI)

Electronic Gift Voucher (EGV) platform · Merchant workflows, security, and data infrastructure.

Built and evolved merchant-facing EGV APIs for instant and bulk order creation, status and details, cancellation, merchant onboarding, balance top-up, and balance adjustment. Integrated Aerospike-backed distributed rate limiting with reservation, confirmation, and release semantics for daily and monthly payment limits. Designed reusable AES-256-GCM response-encryption infrastructure for sensitive APIs, and modernized database sharding, observability, transactions, and core service-platform integrations.

  • Merchant APIs. Built merchant-facing EGV APIs covering instant and bulk order creation, status/details, cancellation, merchant onboarding, balance top-up, and balance adjustment across service, persistence, audit, and asynchronous processing layers.
  • Distributed rate limiting. Integrated daily and monthly limits for EGV workflows using reservation, confirmation, and release semantics, backed by Aerospike for distributed state management, explicit failure handling, and end-to-end testing.
  • Security infrastructure. Designed an annotation-driven AES-256-GCM response-encryption framework for sensitive APIs with pluggable encryption strategies, configurable key management, selective plaintext exposure, and tested failure paths.
  • Database sharding. Modernized sharding across EGV services through shard-aware DAOs, query modes, ID generation, metrics, and transaction coverage while consolidating duplicated configuration and removing obsolete infrastructure.
  • Platform modernization. Migrated core EGV services to a unified platform stack, resolving dependency, service-discovery, bootstrap, and HTTP-integration conflicts.
code
PhonePe Jan 2026 – Jul 2026
Software Development Engineer Intern

PPI platform engineering

Optimized EGV redemption with shard-level batch fetches for users with 300+ gift cards. Built operational tooling and improved CI, configuration, and test infrastructure.

  • Redesigned EGV redemption by replacing per-card database queries with shard-level batch fetches after balance reservation, supporting users with 300+ gift cards without degrading performance.
  • Built internal operational tooling and improved PPI engineering infrastructure through maker-checker workflows, isolated feature-environment CI, reusable test/configuration infrastructure, and HTTP integration modernization.
business_center
Deloitte Jun 2025 – Aug 2025
Enterprise Technology and Performance Intern

Built a Go-based Microsoft Teams agent to automate GCP onboarding and IAM operations using Gemini, backed by a secure Cloud Run service.

  • Built and deployed a Go-based AI agent integrated with Microsoft Teams to automate GCP onboarding and IAM operations using Gemini API function calling, backed by a secure Google Cloud Run service.

About

My focus is correctness and reliability in financial systems. I work across API design, persistence, asynchronous processing, and production operations, with prior experience in Go, cloud automation, and published research.

Technical expertise

payments Payments & systems

Payment Systems Distributed Systems Backend Development System Design Microservices REST APIs Event-Driven Architecture

terminal Languages & backend

Java 17 Dropwizard Guice Hibernate Jersey Go

storage Databases & state

Database Systems Database Sharding Aerospike MariaDB / MySQL RabbitMQ

build Production engineering

Reliability Engineering Observability CI/CD GitLab CI/CD Maven Docker Linux

history Additional technologies

PostgreSQL Redis GCP AWS Python C

Recognition and contributions

emoji_events Winner — Paytm AI Hackathon 2026
emoji_events Winner — Juspay Hiring Challenge
emoji_events 1st Place — PhonePe Bootcamp Hackathon
emoji_events Best Paper of the Session — IEEE ESCI 2025
emoji_events Top 15 Finalist — Deloitte Hacksplosion 2025

Publications

01
A Lightweight Multimodal Vision-Language Model with a Frozen Vision Encoder and 2.4B-Parameter LLM SigLIP-Gemma-2.4B
Springer Nature · ICTCS 2025
02
A Multimodal Anonymization Framework for MP4 Videos
IEEE ESCI 2025 · Best Paper of the Session
03
Cryptocurrency Mining Farm Monitoring using ESP32, InfluxDB, and Grafana
IEEE ICBDS 2024

Professional service

Reviewer — IEEE GSEACT 2026

Evaluated research submissions and provided technical peer-review feedback for the IEEE Global Symposium on Emerging and Communication Technologies.

Open source

1,500+ contributions and 100+ merged pull requests across open-source projects, including OpenKruise and Cloudinary Go/.NET SDKs.

Refactored OpenKruise Go components, extended Cloudinary Go SDK examples, and upgraded the Cloudinary .NET SDK to .NET 8 with a Blazor gallery. Contributed 11 Hacktoberfest pull requests.

Education

school
Vishwakarma Institute of Technology, Pune
Bachelor of Technology in Computer Engineering
GPA: 9.15 / 10.0 2022 – 2026
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SP College, Pune
Higher Secondary Certificate (Science)
83.33% 2020 – 2022
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SPM English School, Pune
Secondary School Certificate
88.80% 2010 – 2020
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