Nav Kharbanda
@navkharbanda
I build payment infrastructure, fraud systems, and interactive physical products from concept to launch.
SpainWhat I'm looking for
I've built scalable fraud and payment systems at Instacart, where my work helped prevent $260M+ in fraud loss and unlocked $310M+ in incremental gross transaction volume through partnerships with Chase, Mastercard, Costco, and PayPal.
At BankNYou, I'm prototyping next-generation payment infrastructure for India, including NFC tap-to-phone and agentic payment flows. I'm also designing Python and SQL fraud detection for emerging transaction risks and stress-testing systems for low-connectivity conditions.
Alongside software, I design and build commissioned kinetic sculptures through Nav Kharbanda Studios, creating embedded control systems, firmware, circuits, and physical fabrications end to end. I'm exploring roles where engineering and design meet.
Experience
Work history, roles, and key accomplishments
Product Innovation Engineer
BankNYou
Sep 2025 - Present (1 year)
Prototyping next-gen payment infrastructure for the Indian market, including tap-to-phone NFC and agentic payment flows. Designing backend fraud detection and stress-testing transaction logic under low-connectivity conditions.
Independent Sculpture Practice
Nav Kharbanda Studios
Apr 2024 - Present (2 years 5 months)
Designing and building embedded control systems for commissioned kinetic sculptures, working end-to-end across firmware, circuit design, and fabrication.
Led strategic integrations with Chase, Mastercard, Costco, and PayPal, defining partnership models and aligning teams to unlock $310M+ in incremental gross transaction volume. Defined roadmap and developed early-stage merchant and partner tooling prototypes.
Built the initial prototype for Instacart's first ML-driven fraud detection and transaction validation system, later scaled to prevent $260M+ in fraud loss. Architected streamlined dispute resolution workflows, reducing decision latency from 16 minutes to under a minute.
Senior Software Engineer
Riivos Inc.
Jan 2018 - Apr 2019 (1 year 3 months)
Reduced processing latency and front-end load times by 133% for core SaaS product through iterative refactoring and performance profiling. Supported early-stage product experiments while mentoring junior engineers.
Education
Degrees, certifications, and relevant coursework
City University of New York: Hunter College
Bachelor of Arts, Interactive Sculpture Art
Pursuing a Bachelor of Arts in Interactive Sculpture Art.
Northeastern University
Master of Science, Computer Science
Earned a Master of Science in Computer Science.
The NorthCap University
Bachelor of Science, Computer Science and Engineering
Earned a Bachelor of Science in Computer Science and Engineering.
Availability
Location
SpainAuthorized to work in
Job categories
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