Nutan Kumari

1. Credit and Credit SaaS
Duration: Apr 2024 - Present
Credit & Credit SaaS is a scalable lending platform that automates the end-to-end loan lifecycle from lead creation to disbursal. It leverages microservices architecture, rule engines, and third-party API integrations (Probe, Bureau, etc.) to deliver a zero-touch loan journey , while also offering a SaaS-based model that provides financial institutions with configurable, plug-and-play credit workflows and faster onboarding.

Roles and Responsibilities:

• Led and mentored a cross-functional Scrum team, driving system design, sprint planning, and backlog grooming.
• Designed and developed microservices using Spring Boot, Zeebe, Rule Engine, Kafka, MySQL, Docker, Kubernetes, AWS.
• Oversaw third-party API integrations for credit verification and risk assessment.
• Enforced best coding practices with JUnit-based unit testing.
• Championed Zero Touch Flow, delivering a fully automated loan system that improved efficiency and reduced manual efforts.

2. Personal Loan
Duration: Nov 2023 - Apr 2024
Developed the Personal Loan Journey from scratch, delivering a zero-touch loan processing experience through automation and third-party integrations (Karza, bank statement vendors). Designed workflows in Zeebe Modeler to ensure scalability and business continuity.

Roles and Responsibilities:

• Led end-to-end development of Personal Loan Journey, enabling faster loan disbursements via automation.
• Designed workflows in Zeebe Modeler for zero-touch operations.
• Integrated Karza for PAN validation and improved customer data management.
• Built Bank BCP flow with multiple vendors for bank statement conversions.
• Directed a 4-member dev team; handled delivery, code reviews, and issue resolution.
• Collaborated with product teams, authored HLD/LLD, and conducted RCA for production issues.

3. Lender Market Place
Duration: Nov 2022 - Oct 2023
A digital lending platform for seamless lender onboarding, secure customer journeys, and automated loan processing. Key focus on API enhancements, customer dashboard flows, and reducing technical debt while improving lead quality and business impact.

Roles and Responsibilities:

• Onboarded lenders (DMI_SAAS, MAS_SAAS, Upwards) and enhanced customer flows (Dynamic PTC, Zero Touch flow).
• Designed HLD/LLD, performed 60-70% code reviews, ensured 70-80% unit test coverage, and migrated repos to SonarQube.
• Led scrum ceremonies, mentored juniors, resolved team blockers, and managed cross-pod dependencies.
• Automated NSDL alerts, optimized API latency, and resolved critical production defects (approx 10k errors per day).
• Revived LAE rejects module (500k+ records), reducing duplicate leads and lowering SMS costs significantly.

Projects Undertaken

1. Zero-Touch Journey
Duration: September 2020 – October 2022
Zero Touch Journey is a project where, based on customer data and rules, we determine the customer's journey—either BS or Zero-touch. For Zero-touch customers, almost all functionalities are automated up to loan terms and disbursement.

Roles and Responsibilities:

• Added Zeebe workflow activities and implemented related business logic.
• Designed and implemented rules to decide activity success or failure.
• Responsible for writing and maintaining business logic.

2. CE on WhatsApp
Duration: Oct 2019 – March 2020
This project integrated Check-Eligibility (CE) with WhatsApp. Leads were created for customers who partially filled the CE form on the website and dropped off. With customer consent, they were targeted via WhatsApp to complete the application.

Roles and Responsibilities:

• Involved in architectural design of potential leads.
• Developed schedulers for drop-off cases.
• Responsible for writing business logic.

3. Oracle
Duration: Jan 2019 – Oct 2019
The goal was to improve the Terms Sent Rate per workable lead by matching users to the most suitable delivery method. Information was captured during onboarding to apply routing rules and ensure a seamless customer journey.

Roles and Responsibilities:

• Involved in architectural design.
• Created routing rules service using Drools & MVEL.
• Developed core business logic.
• Designed and implemented schedulers.

4. Partner Dashboard
Duration: Aug 2018 – Jan 2019
Implemented a dashboard for Lendingkart partners to view application status and create leads directly into the system.

Roles and Responsibilities:

• Participated in design discussions.
• Developed business logic for multiple APIs.
• Onboarded multiple partners into the system.

5. Application Cloning
Duration: Feb 2018 – Aug 2018
This project allowed cloning of existing applications for a user based on predefined rules. Application data, documents, and other details were replicated for the same user's new application.

Roles and Responsibilities:

• Participated in design discussions.
• Implemented Kafka producer for data push.
• Developed business logic for cloning functionality.

6. Loan Specialist Dashboard
Duration: March 2017 – Feb 2018
Implemented a consolidated dashboard for Loan Specialists (previously using CLS). Features included lead creation, bulk lead import, admin case assignment, etc.

Roles and Responsibilities:

• Participated in design discussions with seniors.
• Implemented MongoDB as database.
• Developed core business logic.
• Migrated data from CLS to LK system.
• Handled end-to-end system integration.

1. Loan Agreement Generation
Duration: March 2016 – March 2017

• Developed a system to generate customer loan agreements by integrating data from multiple systems.
• Implemented a rule engine (MVEL) to dynamically select templates based on company type.
• Automated PDF generation using predefined templates.
• Gathered and analyzed data requirements from various systems.

2. Documents Automation
Duration: Feb 2016 – March 2016

• Built an automation service to scan emails, extract attachments, and store them in AWS S3.
• Developed and tested end-to-end business logic for reliable document processing.

3. Database Consolidation
Duration: Dec 2015 – Feb 2016

• Created unified application forms (Phrma/Retailer) and consolidated data into a single database.
• Participated in requirements gathering and implementation of business logic.

4. Data Two-Way Sync
Duration: Oct 2015 – Dec 2015

• Designed and implemented bi-directional data synchronization between multiple applications and CLS.
• Ensured accurate update propagation across systems.
• Responsible for end-to-end development and testing.

Snapdeal and Flipkart Integration
Duration: June 2015 – Oct 2015

Description:
Built an integration platform to fetch and process seller details from Snapdeal and Flipkart for loan eligibility assessment. The solution streamlined data retrieval and supported lending decisions for e-commerce sellers.

Roles & Responsibilities:
Designed and implemented JSP pages for capturing and displaying seller details.
Developed data models, DTOs, and queries to process seller information.
Implemented and optimized business logic for loan evaluation workflows.