WILLIAM THOMAS
FullStack/Backend Software Engineer
Thiruvananthapuram
Summary
Backend-heavy full-stack developer with 4 years of experience building enterprise systems in fintech and banking for top-tier clients like U.S. financial leader Vanguard and Indian NBFC giant Muthoot. Successfully modernized core banking platforms and payment systems for Muthoot, delivering high-throughput, low-latency solutions serving millions. Recognized with multiple performance awards, including direct commendation from executive leadership.
Overview
4
4
years of professional experience
42
42
years of post-secondary education
Work History
FullStack Engineer
Muthoot Pappachan Technologies
06.2023 - Current
- Key contributor to the digitization and modernization of core banking systems.
- Customer Onboarding (Spring Boot - Java)-Modernized and stabilized the legacy .NET-based UCIC (Customer Onboarding Platform) by leading its complete revamp using Spring Boot and Angular, transitioning to a scalable, microservices-based system. The architecture leverages API-driven communication and containerization to create a distributed system that is easily extensible for evolving RBI regulations and operational workflows.
- Integrated Redis caching into the revamped UCIC system, which serves as the central repository for customer data across all internal applications. This enhancement reduced response times from 8-15 seconds to under 1 second, significantly improving performance and user experience across products.
- Worked extensively with SQL Server to migrate data into redesigned schemas, address day-to-day operational challenges through backend support, and execute data cleansing and validation to ensure regulatory compliance ahead of successful RBI audits.
- Treasury/Payment Disbursement System (.NET - C#) - Transformed legacy payment infrastructure from Windows Services to a scalable, low-latency Kafka-based architecture, enabling real-time disbursement of ₹250-300 Cr across 55K+ daily loan transactions with significantly reduced turnaround time.
- Built and integrated a scalable ledger system to capture detailed audit trails, enabling real-time reconciliation and structured end-of-day logs, significantly improving financial accuracy, monitoring capabilities, and speeding up customer settlement cycles.
- Integrated BillDesk payment gateway into an insurance application and developed a UPI QR-based repayment channel, enhancing payment processing efficiency and user convenience.
- Third-party Vendor Integrations - Architected a socket-style API switching framework for microservices, enabling seamless multi-vendor integration per service. Vendor selection is branch-specific and centrally managed via a configuration microservice, with automatic failover and manual reset support. This design improved system resilience and operational flexibility.
- Spearheaded integration and management of critical third-party KYC services, including biometric Aadhaar authentication, Digilocker retrieval, photo liveness and matching, bank account validation etc. Successfully led the end-to-end onboarding of HyperVerge as a new vendor across these services, including staging over 10 million customer images from on-premise storage to Amazon S3 to support high-throughput face deduplication enrollment.
- Additionally, successfully onboarded the CKYC API directly from the CERSAI portal, streamlining and strengthening customer KYC operations in compliance with central regulatory standards.
FullStack Engineer
Infosys
05.2021 - 05.2023
- Workforce Management System (Vanguard) - Developed a full-stack web application using ASP.NET Core MVC to streamline internal tracking of cross-functional resource allocation and attendance.
- WMS Ticketing System (Vanguard) - Collaborated closely with global stakeholders to deliver 8 business-critical enhancements to an internal ticketing system built with Spring Boot.
- Business Process Automation using .NET C# (Capital One) - Automated four critical business processes, reducing manual workload equivalent to seven full-time employees.
- Scrum Methodology Participation - Steered development efforts and client communication based on Scrum feedback, ensuring timely and goal-driven delivery.
Education
Master of Science - Computer Science
Scaler Neovarsity
04.2001 - 01.2025
Bachelor of Technology (BTech)
Acharya Institute of Technology
Bengaluru, India 04.2001 - 01.2020
Skills
- Proficient in Java, C#, JavaScript, and TypeScript
- Experienced with NET Core and NET Framework
- Experienced in ADONET for database operations
- Strong expertise in Spring Boot and Spring Cloud
- Proficient in Java Persistence API (JPA)
- Skilled in Angular for front-end development
- Solid understanding of Apache Kafka for event-driven architecture
- Skilled in Redis optimization for high-performance caching
- Proficient in Amazon Web Services (AWS), including S3 and EC2
- Experience with Docker and containerized deployment
- Experienced in using Instana for performance monitoring
- Familiar with CI/CD pipelines using Jenkins and Git
Websites
Accomplishments
- Consistently recognized for exemplary performance across organizations.
- Received the Award of Excellence at both current and previous employers.
- Honored by the Board of Directors in 2024 and awarded a special cash bonus by the CEO in 2025.
Timeline
FullStack Engineer
Muthoot Pappachan Technologies
06.2023 - Current
FullStack Engineer
Infosys
05.2021 - 05.2023
Master of Science - Computer Science
Scaler Neovarsity
04.2001 - 01.2025
Bachelor of Technology (BTech)
Acharya Institute of Technology
04.2001 - 01.2020
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