🤖 AI-native engineering · 🏦 Mission-critical fintech · 🌍 Remote-Ready

Bhushan
Dhapodkar

AI Engineer · Backend Engineer · Generative AI Systems Builder

7+ years building production-grade fintech systems and Generative AI solutions — AI agents, RAG pipelines, and MCP-based automation that cut operational errors and accelerate engineering velocity 5–10x. I own high-scale payment infrastructure — Payin, Payout, VAN, Reconciliation — spanning 100+ global banking partners at Nium, and I'm an expert at working effectively in remote, distributed team environments across time zones.

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7+ yr Fintech & GenAI Engineering
5–10x AI-Accelerated Delivery
100+ Global Banking Partners
5+ AI Agents & Tools in Production
11k+ DSA Animator Users
About Me

Building AI systems
on fintech-grade infrastructure

I'm an AI & Backend Engineer with 7+ years in fintech, currently at Nium, Mumbai. I ship production Generative AI — AI agents, RAG pipelines, and MCP-based automation — on top of the mission-critical payment infrastructure I own end to end.

I'm the go-to senior engineer for GenAI adoption within my team — setting best practices for LLM integration (OpenAI, Claude), prompt design, multi-agent orchestration with LangGraph and Google ADK, and driving their rollout across engineering initiatives. I design and ship AI-powered internal tooling: an MCP-based root-cause analysis tool, a Pinecone-backed RAG support agent, and rule-engine treasury automation.

On the platform side, I own Payin, Payout, Virtual Account Numbers (VAN), Statements, and Reconciliation & Retry across a multi-country, multi-currency environment including SEPA cross-border corridors — architecture, development, production operations, and incident response.

I'm an expert at working effectively in remote, distributed team environments — collaborating asynchronously across time zones with clear documentation, proactive communication, and AI-assisted workflows to stay in sync without friction.

In my free time I build side projects like DSA Animator, which crossed 11,000+ users in just 2 months — because I genuinely love building things, learning, and sharing knowledge with the community.

GitHub LinkedIn Email
Bhushan Dhapodkar
Bhushan Dhapodkar
AI Engineer · SDE-III @ Nium
📍 Mumbai, India · 🌍 Remote-Ready
AI Agents RAG · MCP LangGraph Google ADK Spring AI Remote Expert
Career

Work Experience

Nium
SDE-III · AI & Backend Engineer
Jun 2022 — Present Mumbai, India
  • Own end-to-end payment infrastructure — Payin, Payout, Virtual Account Numbers (VAN), Statements, and Reconciliation & Retry — across a multi-country, multi-currency environment including SEPA cross-border corridors.
  • Design and ship AI-powered internal tooling and automation — an MCP-based root cause analysis tool, a Pinecone-backed RAG support agent, and rule-engine treasury automation; mentor junior engineers on coding standards, system design, and AI-assisted development practices.
  • Drive system-design decisions for AI-enabled payment tooling — evaluating architecture tradeoffs across LLM selection, agent orchestration patterns, and MCP integration — for production reliability, security, and cost efficiency.
  • Act as the go-to senior engineer for GenAI adoption within the team, setting best practices for LLM integration (OpenAI, Claude), prompt design, and AI-assisted development, and driving their rollout across other engineering initiatives.
  • Integrated 5+ payment gateways and architected 10+ production microservices with multi-container, scalable architecture using Docker & Kubernetes — designed for high availability under peak transaction load.
  • Built event-driven microservices with Spring Boot, RabbitMQ, Apache Camel, Kafka — handling millions of transactions with retries, idempotency, and fault-tolerant workflows.
  • Led platform modernisation in 2 days using LLM-assisted development (traditionally 10–15 days) — Java 8 → Java 21, RabbitMQ → AWS SQS, Hystrix → Resilience4j, and 30+ dependency upgrades with zero downtime.
  • Designed and shipped Nium's first n8n production automation — Partner Downtime UI serving 100+ global partners, eliminating manual after-hours scripts.
AI AgentsRAGMCP LangGraphGoogle ADKSpring AI Java 21Spring Boot 3SEPA RabbitMQKafkan8n DockerKubernetes
Accion Labs
SDE-II
Sept 2021 — Jun 2022 Bangalore, India
  • Led development of the Entity Verification system for bank KYC — PAN, Aadhar, Passport, Voter ID validation.
  • Architected backend services with Spring Boot & Java 8 across Card payment, Gaming, Trading, and Travel domains.
  • Led client-facing discussions with bank stakeholders — gathering requirements, walking through solution design, and aligning on delivery timelines for the KYC verification system.
  • Worked with MongoDB, Graph DB, Redis, Azure in distributed, full-stack scenarios.
Java 8Spring BootMongoDBRedisAzure
TCS
Software Engineer
Jul 2019 — Sept 2021 Nagpur, India
  • Developed critical backend services for enterprise applications using Java, Spring Boot, and SQL.
  • Delivered scalable, high-performance solutions across multiple client engagements.
JavaSpring BootSQL
ISRO 🚀
Software Engineer Intern
Jul 2018 — Mar 2019 Nagpur, India
  • Optimised satellite image processing pipelines using Python with parallel processing — reduced runtime from 16 min → 7 min.
PythonNumPyPandas
Intelligence

AI & Automation

I don't just use AI — I ship it in production. From multi-agent orchestration and RAG pipelines to MCP-based tooling and workflow automation, I build AI systems that deliver measurable business impact.

🧠

Multi-Agent Orchestration

Architect multi-agent systems with LangGraph and Google ADK. Evaluate LLM selection, agent orchestration patterns, and MCP integration for production reliability, security, and cost efficiency.

📚

RAG & Vector Search

Built a RAG-based TechSupport Agent backed by a Pinecone vector store of curated support content — plus a data-cleaning pipeline to keep the knowledge base accurate, enabling Tech Support to self-resolve issues without escalating.

🔧

MCP & Developer Tooling

Built an RCA Tool as an MCP server with direct access to Jira, production databases, and the codebase — given only application logs, it autonomously identifies root cause and recommends a fix.

⚙️

Rule-Engine & Workflow Automation

Shipped Nium's first n8n production automation (Partner Downtime UI) and Balance Manager — a rule-engine treasury automation across 100+ bank accounts that eliminated balance-related transaction failures.

🚀

AI-Accelerated Development

Use Claude, Cursor, OpenAI models daily — achieving 5–10x faster delivery on platform migrations, code modernisation, and test generation.

🤖

AI Agents in Production

Built an AI Stock-Impact Agent on Google ADK that ingests real-time news/market events and produces an automated report on impacted stocks with a 1-month directional forecast.

Featured AI Projects

🔍

RCA Tool — MCP-based Debugging

Root Cause Analysis tool built as an MCP server with direct access to Jira, production databases, and the codebase — enabling engineers to trace and resolve production issues from logs alone. Given only application logs, it autonomously identifies the root cause and recommends a concrete fix.

🧩 Autonomous root-cause identification ⏱️ Sharply cuts investigation time
MCPJiraAgentic Debugging
💬

TechSupport Agent — RAG-based Support

RAG-based agent backed by a Pinecone vector store of curated support content, retrieving and generating solutions for common operational issues — enabling Tech Support to resolve them independently without escalating to core engineering.

📚 Pinecone-backed knowledge base 🧹 Automated data-cleaning pipeline
RAGPineconeVector DB
💰

Balance Manager — Treasury Automation

Automated fund-management system for 100+ bank accounts, replacing a manual treasury process that caused ~7% of transactions to fail on balance errors. A rule engine auto-selects the source account, transfer amount, and lowest-fee route across the top 10 currency corridors (e.g., EUR) whenever a balance drops below threshold — pitched, owned, and shipped end-to-end.

100+ Bank Accounts
~7% Failures Eliminated
Rule EngineTreasuryMulti-Currency
📈

AI Stock-Impact Agent

Personal project built on Google ADK — ingests real-time news and market events (e.g., a commodity price move) and produces an automated report on which stocks are impacted, with a 1-month directional forecast.

Google ADKAgentsMarket Data
🤖 Generative AI & Agents
RAG PipelinesAI Agents Multi-Agent OrchestrationLangChain LangGraphGoogle ADK MCPPrompt Engineering Spring AILLM Integration (OpenAI, Claude) Pinecone (Vector DB)
💻 Backend & Architecture
Java 8/21Spring Boot 2.x/3.xMicroservices REST APIsApache Camel 2.x/4.xHibernate / JPA System DesignRule EnginesMultithreading & Concurrency
🏗️ Data, Messaging & Automation
PostgreSQLMongoDBRedis KafkaRabbitMQAmazon SQS n8n
☁️ Cloud, DevOps & Tools
AWSAzureKubernetes CI/CDJUnit 4/5Data Structures & Algorithms Security Engineering
Core Work

Payment Infrastructure

Flagship Corridor · Part of End-to-End Payment Infra Ownership
🇪🇺

SEPA Payment Processing Platform

Single Euro Payments Area · Mission-Critical · End-to-End Ownership

I own end-to-end payment infrastructure — Payin, Payout, Virtual Account Numbers (VAN), Statements, and Reconciliation & Retry — across a multi-country, multi-currency environment including SEPA cross-border corridors. SEPA enables seamless Euro-denominated bank transfers across the European banking network, and is one of the highest-traffic services within Nium's ecosystem.

What I Own
  • Full payment lifecycle — initiation → processing → settlement → reconciliation
  • Service availability, stability, and performance under peak traffic
  • Production releases, incident response, RCA & postmortems
  • Monitoring, alerting, runbooks & operational compliance
Technical Depth
  • Event-driven microservices with async messaging & distributed transactions
  • Payment orchestration, routing, idempotency & failure recovery
  • Database optimisation for high-throughput financial workloads
  • Secure REST APIs & integrations with European banking partners
  • Multi-container deployment on Docker/Kubernetes for scalable service delivery
Business Impact
  • One of the highest-traffic payment services within Nium
  • 99.9%+ availability for business-critical payment flows
  • Reduced ops overhead through AI-powered automation & process optimisation
  • Multiple scalability improvements delivered without disruption
SEPAPayinPayout VANReconciliation & RetrySettlement Spring BootRabbitMQApache Camel

Other Platform Contributions @ Nium

🏦

Payment Gateway & Payin

Designed and developed the centralised payment engine — transaction orchestration, routing, validation, processing, and reconciliation across multi-country corridors. Integrated 5+ payment gateways with banks, processors, and card networks.

5+ PG Integrated
Multi Corridor
Payment GatewayPayinVAN Direct Debit
💳

Card-Based Collections

Built card payment processing supporting authorization, capture, settlement, refunds, reversals, chargebacks, and end-to-end reconciliation workflows.

Card PaymentsChargebacksSettlement
⚡

Partner Downtime Management UI

Nium's first n8n automation in production. Self-service UI for Tech Support to schedule, pause, and resume downtime across 100+ global payment partners, eliminating manual night/weekend engineering intervention and improving audit visibility. Owned end-to-end, including security approvals.

🌙 Eliminated after-hours manual intervention 🔍 Full auditability & visibility
n8nAutomationInternal Tool
☕

Java 21 Migration

Led an LLM-assisted upgrade of a production payment platform from Java 8 to Java 21 (Spring Boot 2→3, Apache Camel 2→4, JUnit 4→5, RabbitMQ → SQS, resilience & messaging modernisation, 30+ dependency upgrades), compressing a typical 10–15 day migration into 2 days.

⚡ 10–15 days → 2 days 🔄 RabbitMQ → SQS · Hystrix → Resilience4j 📊 JUnit 4 → 5
Java 21Spring Boot 3AWS SQS Resilience4jLLM-Assisted
Impact

Leadership & Outcomes

Beyond writing code — driving reliability, shipping AI, mentoring teams, and delivering outcomes that matter to the business.

🤖
5–10x
AI-accelerated engineering velocity via LLM-assisted development
🌍
100+
Global banking partners across Payin, Payout, VAN & Reconciliation
💰
~7%
Balance-related transaction failures eliminated via automated treasury rule engine
🏗️
10+
Microservices built with multi-container scalable architecture
⚡
2 Days
Java 8 → 21 platform modernisation, LLM-assisted (normally 10–15 days)
🔍
MCP RCA
Autonomous root-cause analysis tool — resolves issues from logs alone
📚
RAG Agent
Tech Support self-resolves issues via Pinecone-backed knowledge base
👥
Mentor
Engineers on system design, AI-assisted development & best practices
🛸
ISRO
Satellite image pipeline — 16 min → 7 min
Free Time

Side Projects

I build things in my spare time because I genuinely love creating, learning, and sharing with the community. These aren't work projects — they're passion projects.

Side Project
📊

DSA Animator

An interactive web platform that animates Data Structures & Algorithms visually — built entirely in my free time. Reached 11,000+ users in just 2 months, helping students and engineers understand DSA through step-by-step visual learning.

11,000+ Users
2 Months
HTML/CSS/JSAnimationsEducation
Visit dsaanimator.com →
Personal · AI Agent
📈

AI Stock-Impact Agent

Built entirely in my free time on Google ADK — an agent that ingests real-time news and market events and produces an automated report on which stocks are impacted, with a 1-month directional forecast.

Google ADKAI AgentsMarket Data
Ed-Tech · Venture
🎓

Bharat Placed

Built India's first dynamic IT courses platform — course content, interview prep, and job readiness adapt to each learner's experience level (student, fresher, or working professional). Features trending tracks in AWS Developer and Java Spring Boot, a dynamic interview portal, integrated job portal, mock interviews with ratings, and pay-after-switch model.

Dynamic Course Content
100% Job Assistance
🎯 Experience-based learning paths 💼 Own job portal + mock interview system
Ed-TechAWSSpring Boot Job PortalInterview Prep
Visit bharatplaced.com →
Side Project
🔒

LockIn App

A cross-platform productivity app on Google Play Store — Java + Spring Boot backend, helping users stay focused and disciplined.

FlutterJavaSpring Boot Play Store
View on Play Store →
Side Project
🎬

Reels Manager

Cross-platform app with Flutter + Java/Spring Boot backend — built with 95% AI-generated code, showcasing effective human-AI collaboration.

FlutterAI-GeneratedSpring Boot Play Store
View on Play Store →
Startup · 2018
🏆

VBS App

Won Best Startup Award 2018 at Startup Mela. Scaled to 1,00,000+ registered users within 1 year of launch.

🥇 Best Startup Award 2018 🎯 1L+ users in 1 year
View on Softonic →
Beyond Code

Life Outside Work

I'm a chill, easy-going person who genuinely loves what I do — but I'm equally passionate about living fully outside of work. Here's a glimpse of who I am when I'm not building payment platforms.

✈️

Traveler

Love exploring new places, cultures, and cuisines. Every trip is a new story and a fresh perspective.

🎬

Movie Buff

Big fan of cinema — from thrillers to documentaries. Always up for a good film recommendation.

🏏

Cricket

Die-hard cricket lover. Playing, watching, debating stats — cricket is a way of life.

🏸

Badminton

Regular on the court. Badminton keeps me sharp, active, and competitive in the best way.

♟️

Chess

Strategy on the board mirrors strategy in code. Chess is my mental workout.

🎵

Music

Music is my constant companion — while coding, traveling, or just unwinding after a long day.

⛰️

Mountain Camping

Nothing beats waking up to a mountain sunrise. Camping in the hills is my favourite reset button.

😎

Chill Human

I take my craft seriously, not myself. Always up for good conversation, a spontaneous trip, or a friendly match on the court.

Let's talk

Get in Touch

Open to conversations about AI engineering, fintech platforms, architecture, or just a friendly chat about cricket, travel, or your favourite movie. I'd love to hear from you.

✉️
Email
bhushandhapodkar@gmail.com
📱
Phone
+91 749-868-3883
💼
LinkedIn
bhushan-dhapodkar
🐙
GitHub
bhushan1997