Aditya Rathore
Team Lead -Technology, Digital Payments @ Policybazaar | Cancellations, Refunds, Autopay | PBPay
- Role
- Technical Team Lead at Policybazaar.com
- Location
- Indore, MP, IN
- LinkedIn followers
- 500 followers
About Aditya Rathore
Technical Team Lead in Digital Payments at Policybazaar, owning the Cancellations & Refunds domain end-to-end, covering policy cancellations, refund orchestration, and autopay workflows. I actively contribute to modernising core Digital Payments systems through gateway integrations, technical debt reduction, reliability improvements, and performance optimisations across logging, messaging pipelines, databases, and payment flows, while operating within IRDAI and RBI regulatory frameworks. As part of PBPay, I designed and implemented the grievance module for merchants and customers and have been an integral contributor to platform-level architecture and engineering discussions.
Experience
Technical Team Lead
Apr 2024 — Present · Gurugram, IN
Digital Payments & Cancellation and Refunds (Policybazaar.com & PBPay.com)Led end-to-end redesign of a revenue-critical Autopay platform processing upto ₹200+ Cr/day across 250K+ daily deductions, cutting peak-day processing time from all-day execution to ~1 hour, enabling configuration-driven horizontal scalability, and improving system reliability at scale through circuit breakers.Own and lead the Cancellations & Refunds platform handling 150K–250K daily requests, managing end-to-end policy cancellation workflows including eligibility checks, retention handoffs, rejection processing, multi-system state updates, insurer integrations, reporting, and coordination with Digital Payments for refund initiation, tracking, and customer communications.Designed and implemented the grievance management module for PBPay, supporting both merchant and customer workflows, and contributed to platform-level architecture and engineering discussions for payment aggregation and merchant onboarding.
Education
VIT University (Chennai Campus)
Bachelor of Technology - BTech, Computer Science
2016 — 2020
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