Sumit Raj

About Sumit Raj

With 12+ years of experience building large-scale platforms, I specialize in payments infrastructure, risk systems, and trust & safety platforms within the fintech ecosystem.Currently an Engineering Manager at Razorpay, leading engineering for Risk, Trust & Safety systems that protect payment platforms from fraud, ensure merchant integrity, and safeguard financial transactions at scale.My work focuses on designing high-throughput distributed systems that process and reconcile millions of transactions across payment methods including UPI, Cards, NetBanking, Wallets, and Affordability products.Previously, I led the development of Razorpay’s large-scale reconciliation infrastructure, building automated systems to detect financial discrepancies and settlement mismatches across 90+ payment gateways and banking partners. These platforms leverage distributed data processing (Apache Spark, AWS EMR) and high-throughput batch systems to maintain financial accuracy and platform trust.Alongside fintech infrastructure, I am increasingly focused on AI-powered systems, including Agentic AI and AI-driven engineering workflows to improve developer productivity, automate risk operations, and build intelligent platform capabilities.I remain deeply hands-on with architecture and systems design, mentoring engineers and helping teams build scalable products from 0 → 1 and growth-stage platforms.Beyond my core role, I am the author of “Building Chatbots with Python” (Apress) and an active contributor to developer communities, having spoken at PyCon events, Python user groups, and technical meetups.Areas of InterestPayments Infrastructure • Fintech Platforms • Trust & Safety Engineering • Fraud Detection • Risk Platforms • Financial Reconciliation • Distributed Systems • AI/ML in Risk Systems • Agentic AI • High-scale Data Platforms

Experience

1. Engineering Manager

   Razorpay

   Jun 2024 — Present · Bengaluru, IN

   Engineering Manager – Risk, Trust & Safety | Payments Infrastructure | Fraud Prevention | Reconciliation PlatformsLeading the Risk, Trust & Safety charter at Razorpay, building systems that protect platform integrity, detect fraud, and secure financial transactions across one of India’s largest payments ecosystems.Trust & Safety | Risk Intelligence PlatformDriving strategy and execution of Razorpay’s Risk & Trust infrastructure with focus on proactive fraud detection and scalable risk systems- Defining architecture for merchant risk, transaction risk, and post-payment risk platforms- Designing AI/ML-driven fraud detection systems across payment rails including **UPI, Cards, NetBanking, Wallets, Affordability and Gift Cards- Building fraud surveillance platforms to detect emerging attack patterns and automate risk response- Leveraging AI-driven automation to streamline fraud investigations and risk operations- Productizing internal capabilities into a 0→1 Trust & Safety SaaS platform for banks and merchants.Payments Reconciliation Infrastructure | Recon PlatformPreviously led Razorpay’s Payments Reconciliation Platform and Recon SaaS ensuring financial accuracy across large-scale payments infrastructure- Led 17 engineers building reconciliation & ledger integrity systems across 90+ payment gateways and banking partners- Built automated reconciliation systems to detect payment discrepancies, settlement mismatches and fraud- Architected large-scale data pipelines using Apache Spark & AWS EMR- Designed high-throughput batch systems running batch executions at ~1K TPS- Built AI-driven ingestion pipelines for reconciliation across UPI, Cards, NetBanking, Wallets and Affordability products.Expertise: Payments Infrastructure • Trust & Safety • Fraud Detection • Risk Platforms • Financial Reconciliation • Distributed Systems • AWS EMR • Fintech Platforms

Education

• Stepping Stone Convent

  Matriculation, General Studies

  1994 — 2006

• Dayananda Sagar College of Engineering, BANGALORE

  Bachelor of Engineering (B.E.), Information Science Engineering

  2009 — 2013

• A.N COLLEGE, BIHAR BOARD

  12th, Intermediate of Science

  2006 — 2008