Bhalchandra Mekewar

About Bhalchandra Mekewar

As a with of experience in Banking and IT. I specialize in designing and delivering large-scale, secure, and resilient enterprise solutions.Currently working at HDFC Bank as (), Engaged in AI Banking initiatives and played a pivotal role in UPI platform development that scaled to millions of transactions daily.Previously, I have contributed to, where I led engineering teams, built API-driven platforms, modernized legacy systems, and strengthened enterprise security posture.My strengths lie in: & GenAI, Cloud-native, Microservices, High-availability systems : UPI, AI-driven banking, Retail & Telecom systems : AI Engineering, RAG, MCP, System Design, Java, Spring Boot, Spring cloud, Kubernetes, Docker, Security Compliance, GCP. & : Engaged in building scalable AI/ML adoption in banking, UPI I am passionate about bridging business and technology, architecting solutions that deliver real business value, and mentoring teams to embrace innovation.

Experience

1. Deputy Vice President

   HDFC Bank

   Feb 2023 — Present · Bengaluru, IN

   Conversational AI Banking:(on-going assignment)• Prepared conceptual designs for AI-driven conversational banking platform integrating mobile and net-banking core services with advanced AI virtual assistant capabilities.• Led POCs and prototyping for cutting-edge AI technologies including Generative AI, Retrieval-Augmented Generation (RAG), and MCP tool integrations to enhance banking experience.• Designed secure, seamless user journeys supporting key banking features such as account statements, balance inquiry, fund transfers.2. UPI Development:Led architecture and design for a regulator-compliant, high-availability UPI payments platform with cloud-native microservices for Mobile Banking; collaborated across business, product, and engineering teams.• Delivered POCs/PoVs for Google acquirer switch APIs and modern tech adoption (gRPC, Quarkus, GraalVM, Aerospike) to enable low-latency, scalable UPI flows.• Authored detailed architectural assets (ACD, PFD/DFD, data models, SAR) and completed 12+ design docs with 15+ detailed tech specifications.• Orchestrated Mindgate switch integration, NPCI circular compliance, and critical change management including blackout planning and ad hoc CRs.• Ensured “zero-gap” delivery via edge-case validation, SIT/UAT ownership, SDK integration, and seamless production readiness including pen-testing support.• Optimized performance with Aerospike fixes, proxy tuning, and platform hardening; achieved zero audit gaps across internal/RBI reviews.• Guided cross-functional engineering teams with coding/design best practices• Delivered full UPI journeys including registration, reclaim, mandates, QR, NLI, UDIR, and payments flows.

Education

• Swami Ramanand Teerth Marathwada University

  B.E, Computer Science and engineering

  2001 — 2005

Skills

• J2ee
• Git
• Spring Core
• Jsp
• Resource Leveling
• Planning & Scheduling
• Jfreechart
• Struts2
• Github
• Java
• Struts
• Scrum
• Nms/Ems
• Java Enterprise Edition
• Sap Ui5
• Jenkins
• Spring Mvc
• Agile & Waterfall Methodologies
• Agile Methodologies
• Hibernate
• Project Delivery
• Xml
• Rest
• Apache Olingo
• Asap
• Core Java
• Spring Framework
• Jersey Api
• Project Management
• Risk Analysis
• Ajax
• Project Estimation
• Servlets
• Rally