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Lead Integration Engineer | Payment Systems | Tokenization & API Architecture | RCA & Sandbox Stability | Fintech
Lead Integration Engineer with 8+ years of experience in building and scaling payment gateway integrations for enterprise clients. Currently working at PayU, specialising in payment systems, tokenization, and API-based architectures, with a strong focus on system reliability and production stability. My core expertise includes: • Payment gateway integrations and enterprise merchant onboarding • Tokenization and secure payment flows • Deep root cause analysis (RCA) using internal tools, logs, and server-level debugging • Sandbox environment stability ownership to ensure seamless merchant testing • API design, webhook-based systems, and integration architecture I also actively work on improving developer experience by building and enhancing tools such as Integration LAB and AI-powered solutions like Ask AI. I use prompt engineering to optimise workflows like go-live readiness checks, payment monitoring, and troubleshooting. I enjoy solving complex payment problems and building reliable systems that enable seamless financial transactions at scale. Specialising in debugging payment systems across gateway, issuer, and network layers.
Mahrishi Dayanand university, rohtak
Master of Computer Applications (MCA), Computer Software Engineering
January 1, 2014 – January 1, 2017
Ccs university, meerut
Bachelor of computer application(BCA), Computer Software Engineering
January 1, 2010 – January 1, 2013
PayU
Integration Lead
June 1, 2024 – Present
Gurugram, Haryana, India
PayU
Senior Integration Specialist
April 1, 2023 – June 1, 2024
Gurugram, Haryana, India
PayU
Integration Engineer
December 1, 2021 – July 1, 2023
Gurugram, Haryana, India
Rain Instant Pay
Techops Engineer
November 1, 2021 – December 1, 2021
Bangalore Urban, Karnataka, India
Paytm
Senior Associate
November 1, 2020 – November 1, 2021
Paytm
Associate
January 1, 2019 – November 1, 2020
QFS CONSULTANCY PRIVATE LIMITED
Software Developer
October 1, 2017 – January 1, 2019
Greater Delhi Area
Payment Tokenization & Cryptogram Integration (Wibmo / Network)
May 31, 2026 – Present
Worked on implementation and troubleshooting of card tokenization systems across Wibmo and network providers. Handled cryptogram-based transaction flows ensuring secure card processing without storing sensitive card data. Diagnosed and resolved failures related to tokenization, PAN eligibility, and network-level cryptogram issues. Collaborated with external partners to ensure seamless token lifecycle management and transaction success.
Developer Experience Platform (Integration LAB)
May 31, 2026 – Present
Led development of developer tools to simplify integration workflows, including AI-based assistance and automation for debugging and onboarding.
API Integration Architecture & Webhook-Based Payment Systems
May 31, 2026 – Present
Designed and supported API-based payment integrations using modular and versioned architecture. Implemented webhook-based systems for real-time event notifications including mandates and transaction updates. Ensured backward compatibility and scalability for partner integrations through structured API strategies. Supported partner onboarding and ensured seamless integration adoption across systems.
Payment Failure Analysis & Debugging System (Card Payments)
May 31, 2026 – Present
Analysed and debugged complex payment failures across gateway, issuer, and network layers for card transactions. Investigated issues related to authentication failures, issuer declines, and incorrect error propagation. Worked on improving error visibility by aligning network-level responses with business-level failure reasons. Collaborated with global partners to resolve production issues impacting payment success rates.
Cultural Fit Analysis
The candidate has a consistent career progression within the fintech domain, primarily with PayU and Paytm, indicating a strong alignment with fast-paced, results-oriented environments. The projects listed, while personal, directly reflect their professional experience in payment systems, suggesting a deep commitment to the field. However, the target role is 'Frontend Developer', which is a significant pivot from their current backend/integration-focused experience. This misalignment suggests a potential cultural fit challenge for a pure frontend role, as their expertise is heavily skewed towards backend payment systems and integration, not UI/UX or frontend frameworks. The lack of frontend-specific projects or skills in the resume further highlights this gap.
Soft Skills & Operational Fit
The candidate's experience as an 'Integration Lead' and 'Senior Integration Specialist' at PayU suggests strong operational fit, particularly in high-stakes payment environments. The descriptions imply collaboration with global partners and internal teams, indicating good teamwork and communication skills. The focus on root cause analysis and troubleshooting points to strong problem-solving abilities. However, the provided data does not offer direct insights into stress handling or specific communication clarity beyond resume descriptions.