Coding hrs / wk:
Senior Software Engineer · Java Specialist

Hi, I am Karthik Kulkarni

ENGINEERING
SYSTEMS OF
HIGH DENSITY_

2 yrs 6 mos building high-volume payment systems at HCLTech[Citi]. Spring Boot, Kafka, event-driven microservices. Currently architecting a 10-repository banking platform with a transactional outbox.

You design. I build the backend.
Role: Senior Software Engineer @ HCLTech[Citi]
Focus: Distributed Payment Systems
Location: Bengaluru, IN
Status: Open_To_Opportunities
  • Java 17
  • Spring Boot
  • Spring Cloud
  • Spring Security
  • Apache Kafka
  • MongoDB
  • MySQL
  • Docker
  • Keycloak
  • Redis
  • REST
  • JUnit
// Signal.log

What 2 yrs 6 mos at HCLTech [Citi]
actually moved.

Numbers reflect owned scope on the APAC Payment Acceptance System — real SLAs, real reconciliation, real deploys.

01 · HCLTech · Citi
2y 6m
Production experience
02 · Cross-border payments
APAC
Region
03 · PAS pipeline
2s
Per-txn SLA held
04 · Payer ID service
85%
Faster onboarding
05 · Multi-country validation
80%
Less reconciliation
06 · 4 quarterly releases
0
Prod defects

Selected_Modules.log

All work →
/Now
Updated Q3 2026
// Field_Notes.txt

Owns problems end-to-end. Ships production-grade Kafka pipelines without hand-holding.

Tech Lead · Citi / APAC Payments

Turns vague compliance requirements into clean service boundaries. Rare skill.

Product Manager · Payments
© 2026 Karthik KulkarniUTF-8 // Blueprint_1.0