Open to opportunities

Utkarsh Dayal

@utkarshdayal

Message

I’m an iOS Engineer focused on fast, reliable payments—building UPI SDKs and seamless BNPL checkout experiences.

India

Message

What I'm looking for

I want to build high-performance iOS payment products where reliability, clean architecture, and strong security matter—shipping features end-to-end and improving checkout latency, transaction success, and developer tooling for consistent releases.

I’m an iOS Engineer with 4+ years of experience building payment experiences that feel instant. At CRED, I contribute to a payments platform serving 15M+ members, optimizing for speed and reliability, and I architect payment modules using VIPER to improve testability and maintainability.

I’ve built an in-house UPI SDK powering Store, Rent Pay, Mint, and credit card payments, and I developed CRED Flash to deliver sub-second BNPL checkout. I’ve also shipped the Credit Card on UPI feature, led end-to-end Credit Card product development (from ideation to production launch), and strengthened security with RASP checks, screen-recording protection, and App Integrity.

Experience

Work history, roles, and key accomplishments

Current

iOS Developer

Current

CRED

Jun 2022 - Present (4 years 1 month)

Contributed to CRED’s iOS payments and lending platform serving 15M+ members, optimizing for speed and reliability. Built an in-house UPI SDK, developed CRED Flash (BNPL) sub-second checkout, and shipped Credit Card on UPI, including security and platform features.

Swift SwiftUI VIPER UPI BNPL Payments Visa SafeClick NPCI Common Library PayU 3DS2 Hyperface SDK RASP XCode

iOS Intern

CRED

Aug 2021 - Jun 2022 (10 months)

Worked on payments projects and helped deliver interactive, seamless iOS experiences. Focused on SwiftUI exploration while supporting payments-related development.

iOS SwiftUI Payments

iOS Intern

Victoria's Secret

Jan 2021 - Jul 2021 (6 months)

Spearheaded SwiftUI adoption through targeted feature implementations and feasibility evaluation for broader app integration. Built a reusable SwiftUI component library shared across multiple apps.

Swift SwiftUI iOS Component Library Development

Android & Frontend Web Developer

Shashi Logistic Pvt Ltd

Jun 2020 - Dec 2020 (6 months)

Created wireframes for user and operator apps to support a capital investment plan. Helped deliver a maintainable Android app and built a ReactJS back-office dashboard to monitor real-time app traffic.

React Wireframing Android Development Real Time Traffic Monitoring