Kiran Padghankar

CITI Retail Service

• Developed and maintained the Credit Initialization (CI) system, a backend service responsible for receiving requests from the frontend, orchestrating multiple downstream service calls to enrich customer data, and forwarding the enriched data to the Credit Decision Engine (CDE) via TIBCO BusinessWorks (BW).
• Implemented microservices using Spring Boot to support scalable and modular architecture.
• Utilized CompletableFuture for executing parallel downstream calls, improving performance and response time.
• Integrated Circuit Breaker patterns for resilience and fault tolerance during service failures.
• Contributed to optimizing CI’s throughput and reliability under high transaction volumes.
• Technologies: Java, Spring Boot, Microservices, CompletableFuture, Circuit Breaker

ACH Payment System

• Developed a high-performance, scalable, and highly available ACH (Automated Clearing House) payment system to support seamless “Me to Me” fund transfers between Citibank accounts and external bank accounts.
• Designed and developed microservices using Java and Spring Boot to handle ACH payment workflows.
• Implemented RestTemplate to integrate with internal and external banking APIs.
• Used Circuit Breaker patterns (e.g., Resilience4j/Hystrix) to ensure fault-tolerant service-to-service communication.
• Focused on system scalability and performance optimization to ensure high availability under heavy transaction loads.

OpenShift Cloud Migration

• Successfully migrated existing microservices from PCF (Pivotal Cloud Foundry) to the OpenShift cloud platform, ensuring minimal disruption to Business-As-Usual (BAU) operations.
• Key Responsibilities: Led the end-to-end migration of Spring Boot microservices from PCF to OpenShift.
• Ensured configuration compatibility, deployment readiness, and service availability on the new platform.
• Conducted comprehensive Postman testing of all APIs post-migration to validate functional accuracy and maintain BAU workflows.
• Worked closely with DevOps and QA teams to troubleshoot and resolve platform-specific issues during migration.

• Developed a cloud-native Banking-as-a-Service (BaaS) platform inspired by blockchain’s consensus model, designed to support high-volume, secure, and real-time financial operations. The system is modular, scalable, and optimized for performance using modern distributed architecture principles.
• Implemented CQRS (Command Query Responsibility Segregation) pattern using Apache Kafka Streams to manage high-throughput write operations and decouple read/write concerns.
• Worked on CassandraDB and YugabyteDB for distributed and scalable data storage.
• Designed and implemented:
• Sequence ID generator using Snowflake algorithm for globally unique identifiers.
• Account ID generator with segmented ID ranges distributed among logical partitions.
• Developed the Accounting Engine, responsible for all transactional logic:
• Integrated L1 cache for real-time balance management.
• Used L2 cache for duplicate transaction detection.
• Implemented SOFA JRaft for leader election and state snapshotting for failover and disaster recovery.
• Built the Liquidity Manager for auditing inbound and outbound transactions.
• Developed and maintained payment modules for Faster Payments, Internal Transfers, and Self Transfers.
• Actively participated in sprint planning, code reviews, and team-level initiatives to improve delivery and code quality.
• Technologies: Java 8, Spring Boot, Microservices, Kafka Streams, CassandraDB, YugabyteDB, SOFA JRaft, Docker, AWS Prometheus, Grafana, Etcd, Kubernetes, GitLab Runner.

Amazon& eBay dropshipping

• Developed a multi-vendor dropshipping platform to help sellers import, compare, and list products from over 50 source stores (e.g., Banggood, Skymall, Walmart) onto eBay and Amazon for automated selling.
• Developed web scrapers using Python (Scrapy) to extract product data from various e-commerce platforms.
• Implemented price comparison logic across multiple stores to optimize profit margins for sellers.
• Used Java Selenium to automate the order placement process across different platforms.
• Contributed to portal development using PHP and Angular for seller dashboards.
• Tech Stack: Python (Scrapy), Java (Selenium), PHP, Angular, MySQL, MongoDB, Jenkins, AWS (EC2, S3, SNS, Elastic Beanstalk, Lambda)

Himmat women safty

• Developed backend infrastructure for the Himmat Plus app, a women's safety system allowing users to raise real-time SOS alerts with location tracking, directly connected to the Delhi Police control room.
• Led backend development of RESTful APIs for the admin and call center portals.
• Built core application logic using Spring Boot and integrated with the mobile app teams (Android/iOS).
• Worked on secure message delivery using AWS SNS/SES for notifications and alerts.
• Tech Stack: Java, Spring Boot, MySQL, EC2, S3, Jenkins