*

Leading multiple engineering teams working over UPI, Payments, Rewards, Ad-Roll (Nudges), Experiments

I design and build cloud-native, observable, and resilient platforms for banking, payments, and lending using Go, Java, AWS, and modern workflow engines.

0 Years Experience
0 Platforms built
Experience View Projects Get In Touch
AWS / K8s
Workflow Engines
Enterprise Architecture
Hussain Pithawala

About

Building scalable, fault-tolerant systems for modern financial platforms

Profile

Engineering systems that scale with business

Hi, I'm Hussain Pithawala – a Principal Architect

With 19+ years in software engineering, I specialize in domain-driven design, distributed workflow orchestration, and cloud-native architecture on AWS. I am leading multiple engineering teams for UPI payments, credit-line origination, and real-time notification platforms at scale.

Languages

Go, Java, TypeScript, Python, Erlang, Elixir, Ruby, C/C++

Databases

PostgreSQL, MySQL, DynamoDB, Cassandra, Redis, MongoDB, OpenSearch/ElasticSearch

Streams

Kafka, SNS/SQS, RabbitMQ, ActiveMQ, Apache-Pulsar

Cloud & DevOps

AWS, Kubernetes, ECS, CI/CD, Observability

Workflow Engines

Camunda 7/8, AWS Step Functions, Temporal, AMZ state machines

Architecture

System-Design, HLD, LLD, Solution-Architecture, Audit

Languages

Python100
JavaScript | TypeScript90
Go80
Java70
Ruby60
Erlang | Elixir50
C/C++40

Cloud & Infra

AWS
Kubernetes
Docker

Domains

Consumer Banking, UPI (NPCI), Credit Cards, Lending (LOS/LMS)

Architectural Focus

  • Domain-Driven Design
  • Observability & Resilience
  • Workflow Orchestration
  • Event-based choreography
  • Cloud-Native Patterns

Experience

Enterprise-scale systems for finance and payments

Senior VP | Technical Architect

Kotak811

Full-time · Aug 2022 – Present · 3 yrs 5 mos

Pune, Maharashtra, India · Remote

1. UPI Payments & Rewards

Leading a team, which builds and operates cloud-native services for processing UPI payments for Kotak811

NestJS Golang AWS DynamoDB AWS SQS/SNS Cloud-Native UPI
2. Kotak811 Nudges Platform (Ad|Banner-roll system)

Leading a team, which is building an in-house Nudges platform, which is essentially a personalized Ad-Roll system for Kotak811 App

Golang Gin state-machine-amz-go Kafka Event-Driven AWS
2. Unified Rewards Platform

Leading a team, which builds and operates a centralized rewards engine that aggregates events from multiple channels (payments, engagement, etc.) to deliver a unified, real-time customer rewards journey.

Java Quarkus Drools 8 AWS Kinesis KCL v2 Event-Driven
3. Business Rules Engine – Assets Pipeline
Control Plane
  • Spring-based reactive, non-blocking APIs abstracting multiple workflow engines
  • Secure access via Keycloak + API Gateway + SAML IDP (SSO, RBAC)
Capabilities
  • Back-testing: Run new policies on historical data
  • Shadow mode: Compare policy outcomes without affecting production
  • A/B experimentation with bucketed sampling

Includes a dedicated microservice for A/B experiment orchestration.

Data Plane
  • Zeebe + open-source tools for BPMN workflows & DMN decisioning
  • Custom µ-services for Zeebe job/task processing
  • µ-service for orchestrating AWS Step Functions (straight-through processing)
Java Camunda-8 Python Pyzeebe Custom development Zeebe
Leadership & Collaboration

Leading cross-functional teams with end-to-end ownership:

  • Design, documentation, and hands-on development — guiding technical leads, DevOps, and engineers
  • Shaping solutions through close collaboration with Product, DevOps, Compliance, and stakeholders
  • Leading federated ARB team for 811, which reports to Kotak Bank's central ARB (Architecture Review Board team)

VP | Technical Architect

InCred Financial Services

Full-time · Jan 2022 – Jul 2022 · 7 mos

Pune, Maharashtra, India · Remote

Coached multiple teams on Domain-Driven Design, Trunk-Based Development, and AWS cloud architecture for distributed systems.

Incred's internal Colending platform

With a small three-member team, built the Colending platform for Incred. The platform supports co-lend loans sold by Incred Finance to other banks in India. The system was developed as a custom portal using Django|Python. For split loan management Apache Fineract was used.

Python Django Bootstrap Apache Fineract LMS
Real-Time Customer Engagement System

Mentored a team building a real-time event-driven engagement platform using AWS Kinesis, Pinpoint, and Amplify.

Quarkus GraalVM AWS Kinesis KCL v2 AWS Pinpoint
Key Individual Contributions
  • Built a CIBIL TUDF/TUEF parser/generator in Python for variable & fixed-length credit report files
  • Designed an ANTLR4-based rule language for task-chain evaluation in Loan Origination workflows
    1. github-link: fulfilment-rules
  • Developed co-lending modules for loan splitting based on configurable criteria
  • Customized Apache Fineract to support co-lending business logic
  • Built a Django-based multi-tenant portal for co-lending loan management

Principal Engineer

InCred Financial Services

May 2021 – Dec 2021 · 8 mos

Pune, Maharashtra, India · Remote

#1 Partner API Gateway

Exposed partner APIs via AWS API Gateway with Cognito-based auth. Deployed using CloudFormation with Python/Shell automation scripts.

AWS API Gateway AWS Cognito CloudFormation Python
#2 Loan Origination Workflow Engine

Designed a serverless workflow service using AWS Step Functions to orchestrate microservices for loan processing.

  • AWS Step Functions for workflow execution
  • AWS SNS/SQS for reliable message delivery
  • AWS DynamoDB for state persistence
Node.js Express AWS Step Functions DynamoDB Serverless
#3 CI/CD for ML & Django Services

Built self-updating CI/CD pipelines using AWS CDK for Dockerized ML models (Lambda) and Django apps.

  • AWS CDK Pipeline (TypeScript) for Lambda Docker images
  • AWS CodePipeline for Django Docker deployments
  • Full-stack provisioning including API Gateway via CDK
AWS CDK TypeScript Docker CodePipeline

Lead Software Engineer

Deserve

Full-time · Dec 2019 – Apr 2021 · 1 yr 5 mos

Pune, Maharashtra, India · Remote

Led development of a cloud-native Credit Card Platform-as-a-Service (PaaS) enabling partners to issue VISA/Mastercard cards via multiple processors. Built as an event-sourced, domain-driven microservice architecture on AWS.

Platform Architecture & Responsibilities
  • Led a team owning end-to-end domains: users, accounts, cards, payments, statements, and notifications
  • Architected an event-driven system integrating card processors via synchronous and asynchronous channels
  • Built core services on AWS with SNS/SQS for event streaming and Lambda for orchestration
Key Technical Contributions
Domain Microservices (Python)

Modeled entity lifecycles (cards, accounts, payments) as stateful domain services.

Python Django Flask Domain-Driven Design
Gateway & Integration Layer (Elixir)

Built high-throughput integration gateways connecting to external card processors via REST and event streams.

Elixir Plug Cowboy Broadway REST
Event Streaming & Orchestration

Used AWS SNS/SQS for durable event delivery; Lambda functions route events to domain services.

AWS SNS/SQS AWS Lambda Event Sourcing Cloud-Native

Software Engineer III

Trusting Social

Full-time · Dec 2018 – Nov 2019 · 1 yr

Pune/Pimpri-Chinchwad Area · Remote

Built and maintained a suite of microservices powering digital lending workflows — from product configuration to loan disbursement — integrated with banks, merchants, and internal underwriting systems.

Core Responsibilities
  • Designed APIs and microservices for loan product management, user journey orchestration, and lender/borrower onboarding
  • Integrated with external banks and merchants for real-time loan offers and disbursement
  • Used Apache Fineract as the core Loan Management and Origination System (LOS)
  • Built a rules-based underwriting engine using Drools for automated credit decisions
Tech Stack
Java 8 Node.js Golang Ruby on Rails Apache Fineract Drools Microservices REST APIs

Services

Architectural leadership for mission-critical systems

Workflow Engine Design

I have extensive exposure and knowledge in customising, operating with prevailing solutions like Camunda, Temporal and Step Functions

At the same time I have also developed opensource state-machine-amz-* libraries|engines in multiple languages to cater to special cases where these solutions either cost very high or are not suitable

Cloud-Native Architecture

AWS, Kubernetes, ECS, serverless, and event-driven systems.

I have extensive experience in building cloud native microservice platforms over AWS cloud services, which linearly scale

Resilient Systems

Observability, data resilience, and fault tolerance for financial platforms.

Built and operated mission-critical payment, fintech services where latency of every millisecond counts

DevOps

AWS CDK, Terraform CDK, Azure DevOps pipelines, DR setup, Active-Active, Active-Passive, Multi-AZ setups

Open Source Projects

Building foundational tools for distributed systems, workflow orchestration, and experimentation

Prayog: Experimentation Platform

A/B Testing · Multi-Armed Bandits · Thompson Sampling

A full-scale experimentation system to run A/B/n tests with advanced configurations. Supports real-time event streaming to multiple destinations (e.g., analytics, ML models).

Python FastAPI Cassandra OpenTelemetry Prometheus/Grafana
Language GitHub Status
Python prayog-api Work in Progress
All Repositories

Work in Progress

Implementation phase – expected Q2 2026

state-machine-amz-*

AWS States Language · Multi-language

AWS Step Functions-compatible state machine engines are implemented as libraries in multiple languages. Define workflows in YAML/JSON using Amazon States Language and execute with native functions.

Language GitHub Status
Go state-machine-amz-go Stable
Ruby state-machine-amz-ruby Stable
Python state-machine-amz-py Stable
All Repositories
Distributed Business Circuit Breaker

Resilience · Multi-language · Real-time State Sync

A library to implement business-level circuit breakers that can be synchronized across services. Supports dynamic thresholds, failure windows, and real-time state propagation (via Redis, DynamoDB, or gRPC). Planned for Go, Java, and Python.

Go Java Redis Event-Driven

Coming Soon

Design phase – expected Q2 2026

Contact

Let’s build something great together

Location

Pune, Maharashtra, India

Phone

+91-839-076-5252

Email

hussainpithawala@hotmail.com

LinkedIn

linkedin.com/in/hussainpithawala

GitHub

github.com/hussainpithawala