Abhijit.

Software EngineerI build software for banks and fintech.

3 bank systems reconciled, 100K+ rows a run

bank bills generated on a schedule, not by hand

bond settlements across 2 regulators

Abhijit Panchal
that's me
Mumbai, India
Available for work
Scroll
Full StackFintechSWIFT MT/MXReactPythonC# / .NETPostgreSQLAWSSystem DesignFull StackFintechSWIFT MT/MXReactPythonC# / .NETPostgreSQLAWSSystem Design
Why fintech

Ilikethepartoffintechwheremoneyhastoberight.

paymentsreconciliationsecurities settlementSWIFT MT/MXmarkets & tradingMarket AI

keep scrolling ↓

0+

Years building for finance

0M+

Records searched at scale

0+

Data-dense screens shipped

0

Countries, one team

01 / Selected work

Banks & capital markets · 04 engagements

Systems that move other people’s money, each one written up in full.

open one for the whole story

Oneture TechnologiesCMS Info Systems
Built at
Oneture TechnologiesCMS Info Systems
Banking · Reconciliation

CMS — Reconciliation Platform

Oneture Technologies·2025 — Present
In production

A reconciliation platform whose matching logic pairs transaction records across three independent sources and flags every mismatch across lakhs of rows.

3 sourcesbinary parserszero silent drops
  • Matching logic pairs records across the ATM switch, ATM electronic journals and the core banking system, flagging every mismatch across 100,000+ rows.
  • Python parsers decode binary-format machine files into structured records — turning raw data into input that can be matched and audited at scale.
every mismatch, accounted for
rows per run
100K+
independent sources
3
Oneture TechnologiesCMS Info Systems
Built at
Oneture TechnologiesCMS Info Systems
Banking · Enterprise Billing

CMS — Enterprise Billing Platform

Oneture Technologies·2025
In production

Generates the bills banks such as Axis and SBI owe for cash management and cash van services, across multiple states, on a schedule and without manual effort.

multi-tenantidempotentmaker-checker
  • Bill generation runs on Celery workers and Python cron jobs, so billing cycles run on a schedule instead of by hand.
  • Retries and idempotency mean a re-run never double-bills. Bills are generated for banks like Axis and SBI across multiple states.
bills that generate themselves
banks billed
2+
billing services
2
Oneture TechnologiesMirae Asset
Built at
Oneture TechnologiesMirae Asset
Capital Markets · Securities Settlement

Mirae Asset — Bond Custodian Platform

Oneture Technologies · South Korea & Brazil·2024 — 2025
Delivered

A bond custodian platform that safekeeps bonds for investors and settles their trades, delivered by a small cross-functional team spread across three countries.

SWIFT MT/MX2 regulatorsAG Grid
  • Object-oriented C#/.NET REST services implementing SWIFT MT and MX messaging so transaction records met regulatory reporting obligations in Brazil and South Korea.
  • Supported millions of BRL in daily settlements.
shipped across three time zones
interactive screens
33+
countries, one team
3
ReactReduxAG GridC# / .NET+1
Taiyo.AI
Built at
Taiyo.AI
B2B SaaS · AI Infrastructure

Taiyo.AI — AI Infrastructure Platform

Taiyo.AI · San Francisco·2023 — 2024
Delivered

An infrastructure-intelligence platform over 25M+ records, with an AI agent that plans a question, calls the right tools and comes back with an answer.

agentic tool-calls25M+ records4h → 3min
  • Built an AI agent that decomposes a question, calls search, filter and summarise tools in sequence, and assembles the result — rather than answering from a single prompt.
  • Diagnosed Elasticsearch bottlenecks and designed multi-tier caching: API latency 5s to 0.8s, infrastructure spend down $3,200 a month.
the agent does the digging now
records searched
25M+
to an insight
4h → 3min
enterprise clients
50+

02 / Experience

2022 — Present

where I’ve
been building.

three and a half years, three teams

Oneture Technologies

now
Full Stack Software Engineer
Dec 2024 — Present
Mumbai, India
4 platforms
banks and capital markets
  • Build reconciliation, billing and custodian platforms for banks and capital-markets firms.
  • Own both the service layer and the data-dense React interfaces on top of it.
  • Nominated for Team of the Year as part of a 4-developer Mirae Asset team.
PythonFastAPIReactC# / .NETPostgreSQLAWS

Taiyo.AI

before
Frontend Engineer
Jul 2023 — Sep 2024
San Francisco, USA (Remote)
5s → 0.8s
API latency, after caching
  • Scaled an analytics platform serving 50+ enterprise clients over a 25M+-record dataset, cutting insight generation from 4 hours to 3 minutes.
  • Diagnosed Elasticsearch query bottlenecks and designed multi-tier caching — API latency 5s to 0.8s, infrastructure spend down $3,200/month.
  • Built a Gen-AI news module on OpenAI streaming APIs for 100+ users, cutting token costs 45%; A/B-tested prompts lowered hallucination from 12% to 7.8%.
ReactElasticsearchRedisOpenAI

My Next Film

before
Frontend Developer
Oct 2022 — Apr 2023
Delhi, India (Remote)
4.2s → 3.1s
homepage load
  • Built full stack features with React.js, Python and Django REST APIs; cut homepage load from 4.2s to 3.1s, lifting 30-day retention 15%.
  • Cleared 60+ Jira defects across 3 sprints, eliminating 80% of the backlog and unblocking a delayed launch.
ReactPythonDjango

What I bring

Engineering with a business mindset.

Strong engineers are easy to find. The edge is an engineer who understands the domain, aligns the people involved, and ties every build to a measurable business result. That is the value I bring to a team.

01
code is the small part of the value

Domain fluency, not just code

I invest in understanding how money moves and who depends on it before I build. That means fewer rework cycles, faster sign-off from operations and banks, and software that fits the business model from day one.

Banking · Reconciliation · SWIFT MT → MX

02
alignment early saves cost later

Stakeholder alignment

I work as a partner to product, operations and engineering rather than a ticket-taker. Early alignment cuts the cost of change, surfaces risks sooner, and gives every stakeholder ownership of the result.

Cross-functional · 3 countries, one team

03
the metric I hold myself to

Business outcomes, not output

I measure my work by business impact: manual effort removed, errors caught earlier, revenue-linked processes like billing running on time. Every feature has to earn its place against a growth or efficiency goal.

Efficiency · Billing automation · Recon tool

my operating model
  1. 1Understand the business
  2. 2Align the stakeholders
  3. 3Deliver the outcome
  4. 4Drive the growth
03 / About me

a little more about me.

yes, I have too many tabs open — keep scrolling

abhijit
abhijitsp11.dev/about
Abhijit Panchal
that's me
About me

hello, I'm Abhijit Panchal

Full stack software engineer with a B.Tech in Computer Science and 3.5+ years building service-oriented web applications for banks and capital-markets firms. Strong in object-oriented programming, data structures and algorithms, and API design; builds record-matching and batch pipelines over 100,000+ rows per run and search systems over 25M+ records.

I design responsive, data-dense interfaces from reusable component systems, and have shipped on small, highly collaborative teams spread across India, South Korea and Brazil — where confidentiality and integrity of financial data are hard requirements.

currently building at Oneture
based in Mumbai, India
banks, payments & settlement
open to full stack roles

the short version — the tabs have the rest

that'stheshortversion.therestisinthecasestudies.

Get in touch

Have a system that needs building properly?

I am open to full stack developer and software engineer roles in Mumbai and Bengaluru, and to consulting work — especially in banking, fintech, payments, e-commerce and startup products.