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Senior Mobile Engineer with 10+ years building secure, high-volume money movement applications for a regulated fintech platform serving 1.8M+ customers with millions of daily transactions. I focus on the parts of transfer apps that must be correct—payment gateway/switch integration, beneficiary management, transaction state handling, timeouts/failures/reversals, and receipts/statement views that reconcile with the ledger. I build security in from the client side (biometrics, hardware-backed key/token storage, AES encryption, TLS certificate pinning) and ship natively in Kotlin/Java on Android and in Flutter for iOS/Android. I work with PCI-DSS and RBI/NPCI requirements, embedding KYC onboarding and AML-aligned transaction controls into the product while maintaining high reliability (99.97% crash-free sessions) through strong observability and production issue triage.…Senior Mobile Engineer with 10+ years building secure, high-volume money movement applications for a regulated fintech platform serving 1.8M+ customers with millions of daily transactions. I focus on the parts of transfer apps that must be correct—payment gateway/switch integration, beneficiary management, transaction state handling, timeouts/failures/reversals, and receipts/statement views that reconcile with the ledger. I build security in from the client side (biometrics, hardware-backed key/token storage, AES encryption, TLS certificate pinning) and ship natively in Kotlin/Java on Android and in Flutter for iOS/Android. I work with PCI-DSS and RBI/NPCI requirements, embedding KYC onboarding and AML-aligned transaction controls into the product while maintaining high reliability (99.97% crash-free sessions) through strong observability and production issue triage.

Kushminder Garg

App Developer, Developer, Programmer, +2

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Senior Mobile Engineer with 10+ years building secure, high-volume money movement applications for a regulated fintech platform serving 1.8M+ customers with millions of daily transactions. I focus on the parts of transfer apps that must be correct—payment gateway/switch integration, beneficiary management, transaction state handling, timeouts/failures/reversals, and receipts/statement views that reconcile with the ledger. I build security in from the client side (biometrics, hardware-backed key/token storage, AES encryption, TLS certificate pinning) and ship natively in Kotlin/Java on Android and in Flutter for iOS/Android. I work with PCI-DSS and RBI/NPCI requirements, embedding KYC onboarding and AML-aligned transaction controls into the product while maintaining high reliability (99.97% crash-free sessions) through strong observability and production issue triage.…Senior Mobile Engineer with 10+ years building secure, high-volume money movement applications for a regulated fintech platform serving 1.8M+ customers with millions of daily transactions. I focus on the parts of transfer apps that must be correct—payment gateway/switch integration, beneficiary management, transaction state handling, timeouts/failures/reversals, and receipts/statement views that reconcile with the ledger. I build security in from the client side (biometrics, hardware-backed key/token storage, AES encryption, TLS certificate pinning) and ship natively in Kotlin/Java on Android and in Flutter for iOS/Android. I work with PCI-DSS and RBI/NPCI requirements, embedding KYC onboarding and AML-aligned transaction controls into the product while maintaining high reliability (99.97% crash-free sessions) through strong observability and production issue triage.

Available to hire

Senior Mobile Engineer with 10+ years building secure, high-volume money movement applications for a regulated fintech platform serving 1.8M+ customers with millions of daily transactions. I focus on the parts of transfer apps that must be correct—payment gateway/switch integration, beneficiary management, transaction state handling, timeouts/failures/reversals, and receipts/statement views that reconcile with the ledger.

I build security in from the client side (biometrics, hardware-backed key/token storage, AES encryption, TLS certificate pinning) and ship natively in Kotlin/Java on Android and in Flutter for iOS/Android. I work with PCI-DSS and RBI/NPCI requirements, embedding KYC onboarding and AML-aligned transaction controls into the product while maintaining high reliability (99.97% crash-free sessions) through strong observability and production issue triage.

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Work Experience

Engineering Team Lead – Mobile (Hands-On Payments Engineering) at SpiceMoney Limited

January 1, 2021 - Present

Hands-on engineer and technical lead for a mobile money transfer and payments portfolio serving 1.8M+ monthly active customers and 1.36M daily transactions. Owned mobile architecture and payment feature development across beneficiary onboarding/validation, transaction initiation, status polling and callback handling, idempotent retries, timeout/failure/reversal states, and receipt/statement experiences that reconcile to the ledger. Delivered a real-time payments (UPI) application from launch to 70K customers, integrating gateway/API flows end to end and handling error/edge cases across both Android and iOS via Flutter. Implemented a secure client-side layer including biometric authentication, Android Keystore-backed encrypted token/credential storage, AES-encrypted local data, and TLS certificate pinning. Embedded PCI-DSS and RBI/NPCI-aligned controls with KYC onboarding, transaction limits, and audit trail support. Drove performance and UX improvements (KYC onboarding and transaction

Engineering Team Lead – Mobile at SpiceMoney Limited

January 1, 2021 - Present

Led a 12-member cross-functional squad (Android, Flutter, backend, design, and QA) delivering three flagship fintech and digital banking products serving 1.8M+ MAU and 1.36M daily transactions. Established a one-week sprint cadence, improved time-to-market by 30% via streamlined Azure DevOps CI/CD pipelines and modular architecture, and managed end-to-end iOS/Android release management (versioning, App Store Connect, Play Console, staged rollouts). Owned a real-time digital payments app (UPI) from launch to 70K user adoption, and optimized onboarding and transaction performance using Amplitude, reducing KYC time by 56% and transaction completion time by 63%. Mentored engineers through code reviews, pairing, and embedding release discipline and best practices.

Senior Mobile Engineer – Payments & Money Transfer at SpiceMoney Limited

May 1, 2015 - December 31, 2020

Built and evolved the company’s money transfer and banking app from early development, starting with native Android (Java/Kotlin) and progressively migrating to Flutter to support a single iOS/Android codebase. Grew usage to 1.05M monthly active customers and ~1.3M daily transactions. Delivered core remittance and cash services: domestic transfers (IMPS), interoperable cash withdrawal/deposit (agency/merchant points), utility bill payments, and mobile recharges, including saved beneficiaries, transaction history, and receipts. Implemented KYC digital identity verification integrating biometric and hardware SDKs for multi-modal verification and supported 2,000+ daily verifications. Hardened the app for real-world conditions (low-end devices, patchy connectivity, offline states, memory/app-size constraints) reaching 99.97% crash-free sessions and 99.9% uptime. Covered unit/instrumentation testing, production diagnostics, and iterative improvements through analytics.

Senior Mobile Engineer – Flutter, iOS & Android at SpiceMoney Limited

May 1, 2015 - December 1, 2020

Built and scaled merchant banking & payments super-app delivering agency banking, domestic money transfers, utility bill payments, mobile recharge, and financial services for 1.05M MAU (1.8M total users) with 1.3M daily transactions. Supported iOS and Android 8+ plus Flutter web, achieving 99.97% crash-free sessions and 99.9% uptime. Implemented government-grade eKYC with multi-modal biometric authentication and processed 2,000+ verifications daily, reducing onboarding time from 3–4 minutes to under 1 minute.

Mobile Development Consultant at Inext Technologies

January 1, 2014 - January 1, 2015

Client-based mobile development consultancy delivering Android applications in Java based on provided designs. Integrated REST/JSON APIs and supported store releases within fixed client scopes and delivery timelines.

Android development consultancy at Inext Technologies

January 1, 2014 - January 1, 2015

Developed and maintained Android applications in Java using Activities and Fragments, integrating REST/JSON APIs via HttpURLConnection/Apache HttpClient. Translated design mockups into XML layouts and implemented list-based UI components (ListView, adapters, early RecyclerView prototypes) targeting Android 2.x–4.x devices.