Karthik Rachamalli
Application Engineer @ Capital One | Aspiring Fintech Innovator | Ex Engineer @ Discover | Ex - Lead SDE @ Paysafe | MS in CS @ UNT | Passionate about Microservices, Payments, Machine Learning web apps.
- Role
- Application Engineer at Capital One
- Location
- Seattle, WA, US
- LinkedIn followers
- 500 followers
About Karthik Rachamalli
Seasoned Lead Full Stack Developer and Strategic Cloud Architect with over 10 years of…
Experience
Application Engineer
May 2025 — Present · Chicago, IL, US
Reengagement for Personal Loans – “Reengagement Real-Time Eligibility” Business Impact: Enabled hyper-personalized reengagement at scale, resulting in a sustained 3X growth in Discover Personal Loans (DPL) monthly portfolio — consistently increasing from approximately $2.5M–$3.5M to over $7.5M–$8M per month. Designed and implemented a centralized, high-performance real-time eligibility validation Spring Boot API using Drools rule engine, reducing production release cycle time by 60% and enabling dynamic business rule updates via externalized DRL files in AWS S3. Architected and delivered modular microservices serving multiple consumer channels (Web, Agent Apps, Mobile), increasing code maintainability and accelerating onboarding of new channels by 40%. Integrated with multiple downstream to aggregate and validate customer eligibility across complex business rules, improving targeting accuracy and customer experience. Enabled business teams to hyper-tune reengagement rules/parameters and deploy rule changes independently, cutting operational effort and time-to-market for new campaigns by 50%. Achieved 100% test coverage by designing and implementing comprehensive JUnit unit tests, acceptance tests, performance tests using Gatling, and integration test suites with Cucumber as the test runner, ensuring robust, reliable, and high-quality code delivery. Spearheaded UI E2E automation by architecting a custom Playwright framework that connects directly to the database to condition test data, enabling true end-to-end scenario validation and seamless integration into the Jenkins CI/CD pipeline for continuous quality assurance.
Education
University of North Texas
Masters in Computer Science, Computer Science
Narayana junior college, nellore
Intermediate, MPC
2010 — 2012
Montessori public school, Ongole
Secondary schooling
2007 — 2010
CVR college of Engineering
Bachelor of Technology - BTech, Information Technology
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