Ankuj Pandey

Software Engineer @Faircent

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.

Department of Computer Science, University of Delhi

Master of Computer Applications - MCA

St. Stephen's College, Delhi

Bachelor of Science - BS