Smarak Swarup Pal

Tenure Details: 10 March 2025 till date

Client: Bank of America.

Domain: Banking and Financial Systems.

Application: MAFIT Application Suite.

Modules: SATURN, MIMS, VENUS, and DATAAUDIT.

Loan Processing, Validation, and Financial Auditing Platform.

Technology: .NET 6 / .NET 7, ASP.NET Core Web API, SQL Server, LINQ, Dependency Injection, JWT Authentication, CI/CD, IIS, xUnit.

Overview:

MAFIT is an enterprise loan processing, financial validation, and transaction auditing platform supporting regulatory compliance and large-scale banking operations. The application suite includes multiple modules such as SATURN (loan validation), MIMS (data integration), VENUS (analytics and reporting), and DATAAUDIT (financial auditing and compliance).

The suite includes several applications such as:

• SATURN – Loan validation and financial calculation module
• MIMS – Data integration and management module
• VENUS – Reporting and analytics module
• DATAAUDIT –Financial auditing and compliance system

The entire platform is developed using ASP.NET Core REST APIs built on .NET 6 / .NET 7, following Clean Architecture and Microservices-based modular design, ensuring scalability, maintainability, and secure financial data processing.

Architecture & Application Design:

Designed and developed enterprise banking APIs using ASP.NET Core (.NET 6/.NET 7) following Clean Architecture and layered design (API, Business, Data Access layers) to support scalable financial processing applications.

• Built secure RESTful APIs handling loan validation, financial auditing, and transaction processing across modules such as SATURN, MIMS, VENUS, and DATAAUDIT.
• Implemented ASP.NET Core Middleware pipeline for request handling, exception management, logging, and API security enforcement.
• Applied Dependency Injection and SOLID principles to build loosely coupled, maintainable services across the application layers.
• Implemented JWT-based authentication and Role-Based Access Control (RBAC) to secure banking APIs and restrict access based on user roles such as Loan Analyst and Financial Auditor.
• Designed business services for loan eligibility validation, financial compliance checks, cost-to-value calculations, and transaction verification.
• Implemented Repository, Service Layer, and Unit of Work design patterns to improve maintainability, scalability, and testability of enterprise modules.
• Developed optimized data access components using Entity Framework Core, LINQ queries, and SQL Server stored procedures.
• Improved performance through SQL query optimization, indexing strategies, and efficient LINQ-based data retrieval.

Key Responsibilities and Achievements:

• Designed and developed enterprise-grade banking applications using ASP.NET Core and RESTful Web APIs.
• Built loan validation, financial auditing, and cost-to-value calculation modules, improving decision accuracy.
• Developed financial validation and auditing modules within SATURN, MIMS, VENUS, and DATAAUDIT applications.
• Built efficient data processing workflows using LINQ and Entity Framework Core, improving data retrieval performance.
• Automated backend reporting workflows, saving 10+ hours of manual effort weekly.
• Implemented xUnit test coverage, reducing post-release defects by 20%.
• Optimised SQL queries and indexing strategies, improving application performance and response time.
• Implemented CI/CD pipelines, ensuring reliable and faster IIS-based deployments.
• Led performance monitoring initiatives, identifying and resolving bottlenecks in critical workflows.
• Collaborated with stakeholders to ensure regulatory compliance and alignment with banking standards.
• Supported data migration initiatives, ensuring a seamless transition with minimal business impact.
• Mentored team members and contributed to high-level solution design discussions.
• Integrated AI-assisted development practices using GitHub Copilot to enhance xUnit test automation, improve code quality, accelerate feature development, and increase overall engineering productivity across multiple application modules.

Tenure Details: 16 Dec 2021 till 21 Feb 2025

Client: 3M.

Domain: Manufacturing, Healthcare Data Systems, and Enterprise Data Integration.

Applications Developed: PAW (POS Automation Webapp), TCSI (Transaction Control Service Integration), GTMS (Go to Market Suite), DUNS Lookup.

(Enterprise Data Processing, Material Creation, and Transaction Integration Platforms).

Technologies: .NET Core, ASP.NET Core, MVC, REST APIs, SQL Server, Teradata, Azure App Services, Azure DevOps, CI/CD, Git, TFS, SVN.

Overview:

Developed and enhanced enterprise-grade .NET Core applications supporting large-scale data processing, material creation workflows, and transaction control systems for global business operations. Delivered secure, scalable, and high-performance distributed systems designed for high availability, enterprise data integration, and cloud-ready deployments.

Architecture & Application Design:

Developed enterprise data conditioning and integration applications using ASP.NET Core MVC layered architecture across platforms including PAW, TCSI, DUNS Lookup, and GTMS. Implemented data validation, transformation, and secure SFTP-based data distribution to downstream enterprise systems. Built automated reporting workflows triggered by DO posting events, enabling efficient enterprise data processing, secure API integration, and scalable distributed data delivery.

Key Responsibilities and Achievements:

• Designed and developed scalable enterprise applications using ASP.NET Core, MVC, and RESTful Web APIs, enabling efficient data processing, material creation, and transaction control workflows.
• Built secure API services and integration layers for enterprise platforms including PAW, TCSI, GTMS, and DUNS Lookup, supporting high-volume business transactions and distributed systems processing.
  
• Implemented Secure API Development and API Security best practices, including secure coding standards, input validation, and role-based access mechanisms to ensure secure enterprise data processing.
• Designed integration services for processing large-scale enterprise data from Teradata platforms.
• Engineered cloud-ready applications leveraging Microsoft Azure PaaS services and Azure App Services, enabling scalable, resilient, and high availability systems for enterprise workloads.
  
• Streamlined release management processes, reducing deployment cycle time by 30%.
• Contributed to the migration of legacy applications, including ColdFusion migration (2011 to 2023) and the modernisation of .NET-based enterprise systems.
• Contributed to Event-Driven Architecture patterns for transaction processing and system integration, improving system responsiveness and supporting loosely coupled enterprise services.
  
• Implemented Secure API Development and API Security best practices, including secure coding standards, input validation, and role-based access mechanisms to ensure secure enterprise data processing.
• Participated in client discussions, sprint planning, backlog grooming, and technical design sessions.
• Optimized enterprise applications through performance optimization techniques, improving application response time and enhancing overall system reliability.
• Collaborated with product managers, stakeholders, and developers to define project scope, technical architecture, and development strategies aligned with business goals.
• Ensured secure healthcare data handling and regulatory compliance, implementing data separation and protection mechanisms aligned with enterprise governance standards.
• Utilised Azure App Services for hosting enterprise web applications and APIs, enabling secure and scalable cloud-based deployments.
• Drove code quality initiatives through structured code reviews and implementation governance, while mentoring junior developers to strengthen technical understanding and development workflow efficiency.
• Leveraged Azure DevOps pipelines to automate build, test, and deployment processes, ensuring faster and more reliable CI/CD workflows.
• Provided production deployment support and incident resolution, ensuring high application availability, and operational stability.
• Utilised version control systems including Git, TFS, and SVN, implementing branching and merging strategies to support collaborative development and release management.
• Leveraged AI-assisted development tools such as GitHub Copilot to accelerate feature development, improve unit test creation, and enhance code quality across multiple user stories and application modules.
• Improved release management processes, reducing deployment cycle time by 30% through process automation and streamlined publishing workflows.

After a successful long-term tenure at Cognizant delivering enterprise-grade .NET Core and data integration solutions for clients like 3M, I transitioned to TCS to broaden my domain expertise into banking and fintech projects while continuing to drive high-quality, compliance-focused application delivery.

Tenure Details: 10 July 2020 till 25 Nov 2021

Client: eBay.

Application: TGPS, DigiRiver, VSRM, DSA.

(E-Commerce Payment Integration and Transaction Processing Platforms).

Overview:

Supported high-availability e-commerce payment platforms, enabling secure transactions across buyers, sellers, and payment gateways.

Key Responsibilities and Achievements:

• Identified and resolved customer needs efficiently, earning multiple performance awards.
• Supported mission-critical payment processing applications, maintaining 99.9% system availability.
• Analysed business requirements and streamlined buyer-seller payment workflows.
• Optimised SQL queries and stored procedures to enhance transaction efficiency.
• Provided production support, incident resolution, and performance tuning.
• Provided operational and technical support for eBay’s payment processing and seller transaction platforms.
• Assisted buyers and sellers in resolving payment, transaction, and account-related issues through chat-based support.
• Utilised SQL across TGPS, DigiRiver, VSRM, and DSA for transaction validation, issue analysis, transaction lookup, and faster resolution.

Transitioned to Cognizant in 2021 to advance my expertise in large-scale .NET and e-commerce payment integration projects, focusing on mission-critical applications for global clients like eBay, and driving end-to-end solution delivery.