Bhavesh Khandelwal

I'm leading Payments at Dezerv, where I own architecture, delivery, and production reliability for a transaction platform processing INR 3,700 Cr+ annually. I lead a four-engineer team and built a greenfield Go payment orchestration platform for TopUp, SIP, UPI, and Virtual Account flows.

I've delivered zero-downtime migrations from a legacy monolith, moving INR 72 Cr+ in combined volume with zero transaction loss or customer disruption. I also built reconciliation pipelines across PSP partners and improved checkout latency to sub-one-second p99 through tracing, profiling, and removing serialized network hops.

Before Dezerv, I built Go microservices at KreditBee for loan eligibility, fraud detection, repayment orchestration, and credit-policy workflows serving millions of lending transactions monthly. I also developed a credit-score service handling 10K+ requests per minute and improved PostgreSQL p95 query latency by 20%.

At Playment, I built anomaly detection, ETL, and automation systems for annotation, LiDAR, image, and video data. I enjoy designing resilient systems, mentoring engineers, and taking production ownership from system design through incident response.