Prarabdha soni

I’m a Senior Software Engineer (SDE-3) with 4+ years of experience in FinTech, specializing in digital lending platforms, loan origination systems, and large-scale financial applications. I focus on delivering secure, high-performance systems that improve both operational efficiency and business outcomes.

At Arthmate, I led a team of 5 and owned end-to-end architecture for a core co-lending platform that has disbursed ₹400 Cr+ in loans. I designed Kafka-based asynchronous workflows for burst traffic, built fault-tolerant E-NACH mandate processing using saga-style distributed transactions with idempotency, and shipped low-latency serverless credit decisioning that cut loan-approval time by 60%.

I also built critical product surfaces—LMS/LOS frontend modules, real-time credit-risk engines, and underwriting explainability—using XGBoost served via FastAPI/Lambda and SHAP-to-LLM explainability with guardrails. My work spans distributed systems, reliability, database query optimization, and GenAI orchestration (RAG with LangGraph), including fraud and synthetic-identity detection.