Looks like you have JavaScript disabled. For the full Twine experience, you will need to re-enable it.

Hi, I’m Yash Gujarathi, a software engineer with over 6 years of experience building scalable platforms and event-driven systems in fintech. I’ve specialized in creating ML-powered fraud detection, credit risk engines, and loan processing solutions tailored to rural lending markets, always with a focus on real-time performance and reliability. I enjoy leading development teams, optimizing system architectures, and collaborating closely with product and business teams to deliver impactful features quickly. Whether it’s building Flutter-based apps, implementing Kafka-based event systems, or automating large-scale workflows, I’m passionate about solving complex technical challenges and driving innovative solutions from scratch.…Hi, I’m Yash Gujarathi, a software engineer with over 6 years of experience building scalable platforms and event-driven systems in fintech. I’ve specialized in creating ML-powered fraud detection, credit risk engines, and loan processing solutions tailored to rural lending markets, always with a focus on real-time performance and reliability. I enjoy leading development teams, optimizing system architectures, and collaborating closely with product and business teams to deliver impactful features quickly. Whether it’s building Flutter-based apps, implementing Kafka-based event systems, or automating large-scale workflows, I’m passionate about solving complex technical challenges and driving innovative solutions from scratch.

Yash Gujarathi

Developer, Programmer, Web Developer, +1





Hi, I’m Yash Gujarathi, a software engineer with over 6 years of experience building scalable platforms and event-driven systems in fintech. I’ve specialized in creating ML-powered fraud detection, credit risk engines, and loan processing solutions tailored to rural lending markets, always with a focus on real-time performance and reliability. I enjoy leading development teams, optimizing system architectures, and collaborating closely with product and business teams to deliver impactful features quickly. Whether it’s building Flutter-based apps, implementing Kafka-based event systems, or automating large-scale workflows, I’m passionate about solving complex technical challenges and driving innovative solutions from scratch.…Hi, I’m Yash Gujarathi, a software engineer with over 6 years of experience building scalable platforms and event-driven systems in fintech. I’ve specialized in creating ML-powered fraud detection, credit risk engines, and loan processing solutions tailored to rural lending markets, always with a focus on real-time performance and reliability. I enjoy leading development teams, optimizing system architectures, and collaborating closely with product and business teams to deliver impactful features quickly. Whether it’s building Flutter-based apps, implementing Kafka-based event systems, or automating large-scale workflows, I’m passionate about solving complex technical challenges and driving innovative solutions from scratch.

Available to hire

Hi, I’m Yash Gujarathi, a software engineer with over 6 years of experience building scalable platforms and event-driven systems in fintech. I’ve specialized in creating ML-powered fraud detection, credit risk engines, and loan processing solutions tailored to rural lending markets, always with a focus on real-time performance and reliability.

I enjoy leading development teams, optimizing system architectures, and collaborating closely with product and business teams to deliver impactful features quickly. Whether it’s building Flutter-based apps, implementing Kafka-based event systems, or automating large-scale workflows, I’m passionate about solving complex technical challenges and driving innovative solutions from scratch.

Skills

Experience Level

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Expert

Intermediate

Intermediate

Intermediate

Work Experience

Engineering Manager at Jai Kisan

April 30, 2025 - July 30, 2025

Led a team of 8 developers to architect and deliver a Flutter-based Farmer App with MEAN backend, achieving 300ms latency and enabling over 100K farmers to access digital loans with 10-minute disbursal. Revamped the retailer credit app onboarding flow, boosting activation by 40% and expanding network to 15K+ stores. Built ML-driven credit engine automating credit limits, reducing manual reviews by 60%. Drove agile two-week sprints, improved code quality and tech debt management, and launched "Retailer Invoice Finance" in 2 weeks achieving ₹2 Cr AUM within 3 months.

Lead Developer at Jai Kisan

April 30, 2024 - July 30, 2025

Led 6 developers to build modular loan checkout system, scaling to 7000+ weekly loans and ₹150Cr+ disbursals at 99% uptime. Developed web-based credit eligibility engine processing 1Cr+ checks with 24% conversion. Re-architected system for document and database sharding maintaining near-zero downtime and RBI compliance. Developed ML fraud engine reducing fake loans by 70%. Created Kafka event-driven notification system handling 10K+ daily alerts. Built multi-scheme lending platform, CRM and lender portals, and automated bulk processing with Amazon SQS cutting disbursement time by 80%. Implemented fallback mechanisms for third-party APIs achieving 99% uptime and optimized MongoDB aggregation queries by 70%. Mentored junior developers and led architecture reviews.

Software Developer at Jai Kisan

April 30, 2022 - July 30, 2025

Built Loan Management System MVP with dynamic DPD tracking, amortization, NPA handling, and loan state automation. Developed Loan Origination System with Node.js/Python RESTful APIs and contributed to monolith-to-microservices migration. Integrated Keycloak and utilized Neo4j for organizational hierarchy and geo-fencing. Developed automated vendor onboarding system with configurable agreements and product catalog management.