Kapil Arya

About Kapil Arya

I’m a Senior Software Engineer at Grab (GXS Bank) who loves building scalable, reliable backend systems that make products run smoothly behind the scenes. Over the past few years, I’ve worked across fintech, logistics, and e-commerce, designing and delivering systems that handle high traffic, complex data flows, and real-world reliability challenges.At Grab, I’ve contributed to the core digital lending and payments platforms — leading feature design, improving performance, and ensuring every piece of the system scales cleanly and efficiently. I enjoy digging deep into architecture, debugging tough production issues, and writing clean, maintainable code that lasts.My day-to-day involves Java, Python, Spring Boot, Django, Kafka, RabbitMQ, and MySQL, but I’m always exploring new tools and patterns that make backend systems faster and more resilient.I’m driven by curiosity, clean design, and the satisfaction of solving hard problems that make technology work better for people.

Experience

1. Senior Software Engineer

   Grab

   Apr 2020 — Present · Bengaluru, IN

   Lending Team - Grab initiated Digibank(GXS Bank)(January 2023 - Present)- Responsibilities- Led end-to-end development of Flexi Loan product, including critical features such as repayment, drawdown, account opening, and closure, delivering scalable and customer-centric lending solutions- Investigated and resolved complex production issues with speed and accuracy, earning recognition as Best On-Call Engineer for outstanding reliability and incident management- Collaborated with cross-functional teams (product, design, risk) to ensure technical solutions met business goals, user needs, and regulatory requirements- Actively mentored junior engineers, supported onboarding, and promoted best practices in system design, debugging, and clean coding- Conducted detailed code reviews, improving code quality, maintainability, and team-wide technical standards.Grab Pay Team - Grab Financial Group (GFG)(April 2020 - January 2023)- Responsibilities- Managed user top-ups, driver and merchant cash-outs, booking charges for rides, and food orders- Oversaw the complete funds flow for Grab users, including incoming funds through top-ups and cash-ins, and outgoing funds via cash-outs- Key Contributions- Developed various adapters to connect with third-party providers for actual money transactions- Actively participated in designing payment features and integrating new banking solutions- Created complex payment features from scratch and revamped existing ones- Worked on bank account and card tokenization for direct debit via token- Product Lifecycle Involvement- Engaged in all stages of the product lifecycle from kickoff to launch, including documentation, technical specifications, development, QA, rollout to select users for testing, and complete rollout- Monitored system health through business metrics, system and infrastructure alerts, and debugged issues during outages.

Education

• Indian Institute of Technology, Roorkee

  Bachelor of Technology (B.Tech.), Computer Science

  2012 — 2016

Skills

• C++
• Html
• Python
• Javascript
• Linux
• Photoshop
• Matlab
• C
• Programming
• Microsoft Office
• Java
• Microsoft Word
• Microsoft Excel
• Microsoft Powerpoint