Rahul Bhat

About Rahul Bhat

I’m an engineering leader with a strong foundation in mobile architecture (Android & iOS) and a career built at the intersection of product growth, fintech, and large-scale platform engineering.I started as a hands-on Android specialist, grew into leading mobile architecture across Android and iOS, and over the years expanded into backend systems and full-stack platform thinking. For the past few years, my focus has been on growth engineering — accelerating product adoption, improving funnels, and enabling rapid experimentation across multiple business verticals.Over the last year, I’ve been leading the UPI charter, owning some of the most critical problems in the company: reliability, fraud prevention, regulatory compliance, scalability, and long-term platform evolution. This role sits at the heart of the business, where technology, risk, product, and operations intersect, and where decisions directly impact revenue, trust, and millions of daily transactions.What motivates me is building high-ownership teams, designing systems that can survive real-world scale, and shipping solutions that create visible business outcomes — not just clean code.I enjoy working on complex problems in payments, fraud, growth systems, and mobile platforms, and I’m always open to conversations around fintech innovation, platform strategy, and engineering leadership.

Experience

1. Associate Director

   Navi

   Jan 2025 — Present

   Leading the UPI charter, owning end-to-end responsibility for reliability, fraud prevention, regulatory compliance, growth enablement, and long-term platform scalability for one of the most business-critical systems in the company.Driving technical and product strategy across payments, risk, and platform engineering, working closely with product, business, compliance, and operations teams to ensure high transaction success rates, system resilience, and strong customer trust at scale.Building and mentoring high-ownership engineering teams, establishing robust engineering practices around incident management, production readiness, observability, and performance, and continuously raising the bar on execution quality.Playing a key role in shaping the future payments roadmap, modernizing core UPI infrastructure, strengthening fraud and risk systems, and delivering measurable improvements in system reliability, compliance posture, and customer experience.

Education

• Vishwa Bharti Jammu

  Higher Secondary Certificate, Science,Cricket

  1998 — 2007

• University of Mumbai

  Bachelor of Engineering (BE), Information Technology

  2007 — 2011

Skills

• Agile Methodologies
• Hibernate
• Jpa
• J2ee Application Development
• Sqlite
• Tortoise Svn
• Java
• Hibernate 3.1
• Json
• Swing
• Data Structures
• Eclipse
• Core Java
• Java Enterprise Edition
• Web Applications
• Javaserver Pages (Jsp)
• Spring
• Opencv
• Jsp
• Xml
• Robotium
• Android
• Ajax
• Spring Framework
• Android Development