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Pratik KulkarniPK
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Pratik Kulkarni

@pratikkulkarni2

Software engineer at Tata Consultancy Services building Bank of Maharashtra’s BBPS bill payment workflows and secure payment integrations.

India
Message

At Tata Consultancy Services, I develop Financial Gateway Services for Bank of Maharashtra using Java and Spring. I built transaction lifecycle modules for bill payments and secured request and response payloads with AES-256-CBC, HMAC-SHA256, and JWT authentication.

On the Bharat Bill Payment System project, I integrated NPST v2.0 APIs for biller discovery, bill fetch, validation, and payment. I'm also building a personal finance platform that categorizes transactions and provides spending insights using AI-driven features.

Experience

Work history, roles, and key accomplishments

TS
Current

ASE

Apr 2025 - Present (1 year 7 months)

Developed and integrated Financial Gateway Services for Bank of Maharashtra using Java and Spring Framework, enabling end-to-end bill payment workflows and various agent and admin services. Implemented AES-256-CBC encryption with HMAC-SHA256 integrity verification and JWT-based authentication for all request/response payloads.

Education

Degrees, certifications, and relevant coursework

SE

Shrimati Kashibai Navale College of Engineering

Bachelor of Engineering, Computer Engineering

2020 - 2024

Grade: 8.83/10.00

Bachelor of Engineering in Computer Engineering from Shrimati Kashibai Navale College of Engineering, Pune, India, with a CGPA of 8.83/10.00.

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