Backend Architecture
Designing systems that can handle growth, operational edge cases, and high-volume traffic without turning into chaos.
Trusted fintech systems are built, not wished into existence
Braj Kishor Pandey
Head of Engineering and full-stack developer with 15+ years of experience building secure, scalable fintech, e-commerce, and API-driven platforms. I work across backend architecture, payout systems, reconciliation workflows, integrations, and modern web applications.
15+
Years in software engineering
Fintech
Cross-border payments, payouts, APIs
Full-Stack
Laravel, PHP, MySQL, JS, DevOps
BP
What I do
I design and improve systems that have to work in the real world - under load, under pressure, and without drama.
Availability
Open for consulting, freelance engagements, long-term product builds, and architecture advisory.
Core Expertise
The old-school truth still wins: stable systems, clean logic, and proper engineering beat shortcuts every time.
Fintech Operations
Building flows for transfers, wallet systems, reconciliation, payout automation, failure handling, and partner integrations.
Product Delivery
From requirements to release, with an eye on performance, reliability, maintainability, and business outcomes.
Featured Work
A few projects and platforms that reflect my experience across fintech, e-commerce, and engineering leadership.
Engineering leadership for remittance platforms
Led architecture and development across C2C, B2B, admin systems, and payout workflows.
Fintech systems with gateway integrations
Built and supported applications integrating multiple PAYIN and PAYOUT partners for operational scale.
E-commerce platform with ERP workflow
Built online store plus ERP modules for stock management, sales tracking, and HR operations.
Projects & Work
Real work, real systems, real load. That is where engineering earns its keep.
Nairagram
Cross-border payments platform featuring APIs for mobile and third-party services, plus web development across multiple domains.
- Supported C2C, B2B, and admin operations
- Worked on payout flow logic, integrations, and operational systems
- Contributed as developer and engineering leader
Nairagram Basket
A closed, partner-facing application allowing organizations to integrate Nairagram APIs and monitor transactions through a dedicated dashboard.
- Whitelisted partner access model
- Dashboard for transaction visibility and API usage
- Built for B2B integration and operational control
MasterRemit
Supported an Australia-based fintech company by reviewing code and helping improve mobile and web application systems.
- Code review and upgrade support
- Application improvement and engineering guidance
- Fintech product maintenance and modernization
PingMoney
Fintech application with Angular frontend and Laravel backend. Built and supported with multiple payment gateway integrations.
- PAYIN and PAYOUT integration support
- API-driven architecture for frontend and mobile apps
- Ongoing product development and support
Profile
Seasoned engineer with a builder's mindset - less noise, more results.
Professional Summary
I am a full-stack developer and engineering leader with 15+ years of experience in PHP, Laravel, CodeIgniter, MySQL, JavaScript, DevOps, fintech systems, e-commerce platforms, and API-led product development. My focus has been on building secure, scalable, and operationally reliable systems, especially in cross-border payments, reconciliation-heavy flows, and high-dependency integration environments.
Skills
PHPLaravelCodeIgniterMySQLJavaScript
Node.jsPythonRedisDevOpsREST APIs
System DesignPayment GatewaysReconciliationCloud & Hosting
Experience Highlights
Built for products that have to keep moving when the volume goes up and the excuses run out.
Head of Engineering
Nairagram
- Led engineering across remittance products, admin systems, and partner integration layers
- Oversaw architecture for C2C, B2B, payout, reconciliation, and reporting workflows
- Worked on scalable backend systems and operational problem solving
Full-Stack Delivery
PingMoney / PingExpress
- Built platform components from scratch for fintech use cases
- Integrated payment gateways and supported mobile/web API layers
- Delivered B2B and B2C solutions with a focus on maintainability and scale
Platform Builder
E-commerce & ERP Systems
- Built AmitBookDepot.com and supporting ERP modules
- Handled stock systems, sales reporting, and HR-related workflows
- Created business-focused tools, not just pretty dashboards
Let's build something solid
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