M Navin Rao
Bengaluru
Summary
Results-driven Backend Developer and Technical Lead with over 10 years of experience in designing scalable financial platforms using Java, Spring Boot, and REST APIs. Expertise in data aggregation, open banking, low-code systems, and cloud-native architectures. Skilled in AWS, MongoDB, PySpark, and large-scale data processing, focusing on delivering clean code and effective engineering solutions.
Overview
11
11
years of professional experience
Work History
Technical Lead
TCS
Bengaluru
11.2022 - Current
Senior Member of Technical Staff
Envestnet | Yodlee
Bengaluru
04.2020 - 11.2022
Member of Technical Staff
Envestnet | Yodlee
Bengaluru
08.2018 - 03.2020
Senior Software Engineer
Envestnet | Yodlee
Bengaluru
08.2016 - 07.2018
Software Engineer
Envestnet | Yodlee
Bengaluru
04.2015 - 07.2016
Education
B.Tech - Information Technology
Jalpaiguri Government Engineering College
West Bengal06-2014
Skills
- Backend development
- Core Java
- OAuth implementation
- API design and development
- Spring Boot and Spring Security
- RESTful APIs
- AWS services (Lambda, EC2, Glue, EKS)
- Docker and Kubernetes (basic)
- Python and Pyspark
Key Projects
DataOut – Open Banking Platform
Open-banking platform enabling legacy financial institutions to expose secure, open banking–compliant APIs.
- Designed and implemented Auth Server (OAuth2, client credentials), Resource Server, and BankConnect module
- Converted proprietary Data Provider APIs into open banking–compliant responses
- Implemented Spring Security, OAuth flows, and TLS/mTLS authentication
- Enabled secure onboarding of Data Providers and Data Recipients
Tech: Spring Boot, Spring Security, OAuth2, MongoDB, TLS
High-volume data ingestion and processing platform handling billions of records from multiple sources.
- Designed scalable pipelines for data ingestion, storage, and processing
- Leveraged AWS Lambda, Glue, and EKS for distributed compute
- Optimized processing layers for performance and cost efficiency
Tech: AWS, PySpark, Lambda, Glue, EKS
Internal low-code platform replacing manual Java scraping agents with configuration-driven execution.
- Designed JSON-based configuration framework for scraping logic and validations
- Built a unified Java execution engine for scraping, validation, and enrichment
- Migrated thousands of financial institution sites from hardcoded agents
- Implemented auto-heal, monitoring dashboards, alerting, and automated bug reporting
Impact: Reduced development time, improved scalability and system reliability
Tech: Java, Spring, REST APIs, MongoDB, Elasticsearch
Framework to streamline account aggregation and user onboarding experience.
- Built FastLink framework for unified account aggregation in a single session
- Improved Add Account Success Rate by 10%
- Increased Account Addition Volume by 25%
- Reduced infrastructure load by eliminating redundant data fetches
Tech: Java, Spring, REST APIs
Financial data aggregation agents for high-reliability, low-latency data retrieval.
- Developed Feed (OFX), HTML, REST, and AJAX based agents
- Optimized scraping by identifying intermediate AJAX calls
- Implemented strong validation, exception handling, and resilience mechanisms
Tech: Core Java
Timeline
Technical Lead
TCS
11.2022 - Current
Senior Member of Technical Staff
Envestnet | Yodlee
04.2020 - 11.2022
Member of Technical Staff
Envestnet | Yodlee
08.2018 - 03.2020
Senior Software Engineer
Envestnet | Yodlee
08.2016 - 07.2018
Software Engineer
Envestnet | Yodlee
04.2015 - 07.2016
B.Tech - Information Technology
Jalpaiguri Government Engineering College