Ankuj Pandey

About Ankuj Pandey

Full-Stack Developer | Node.js, React, Next.js | API IntegrationsI\'m a full-stack developer with a strong focus on backend systems and real-world API integrations in fintech and real estate domains. I’ve built scalable services using Node.js and Express, and developed responsive UIs with React and Next.js. I enjoy solving complex problems, automating workflows, and delivering clean, maintainable code.

Experience

1. Software Engineer

   Faircent

   Jul 2023 — Present · Gurugram, IN

   Developed a robust EMI deduction system and enhanced Borrower Passbook & SOA modules for accurate tracking and reconciliation- Built custom rule engines for multiple lending partners (e.g, L&T, IDFC), leveraging Experian and CRIF data to automate credit checks and fraud detection—boosting verification accuracy by 50%- Strengthened API security using crypto-based encryption/decryption, ensuring safe data exchange and access control across services- Implemented real-time Bank Statement Verification to assess eligibility dynamically and mitigate risk- Engineered an offer engine for automatic loan parameter configuration (amount, tenure, ROI, fees) based on user profiles- Integrated CKYC and KYC workflows with AWS services and third-party APIs to streamline identity verification- Enabled automated payment deductions through Cashfree, managing mandate lifecycle and transaction logs- Conducted multi-layer verifications (PAN, GST, ITR, EPFO) with IDCentral, reducing manual screening time- Developed a modular Risk Policy Engine to score and rank borrowers based on credit bureau insights- Contributed to Fairkeys, delivering admin and borrower-side modules with focus on UI/UX and data flow integrity.

Education

• Department of Computer Science, University of Delhi

  Master of Computer Applications - MCA

  2020 — 2023

• St. Stephen's College, Delhi

  Bachelor of Science - BS

  2016 — 2019