Brajkishor Pandey · Head of Engineering
I build systems
that move money.
And businesses
forward.
18+ years turning complex ideas into dependable platforms. Fintech architecture, hands-on engineering, and teams built to deliver.
A builder’s mindset. A leader’s perspective.
Selected platforms I’ve helped build and improve
01 / The person behind the platforms
Deep in the code.
Clear on the
bigger picture.
I’m Braj—an engineering leader, software architect, and hands-on builder. Since 2007, I’ve worked across cross-border payments, remittance, mobility, commerce, enterprise platforms, and data systems.
As Head of Engineering at Nairagram, I connect engineering strategy with the realities of moving money: partner APIs, payout reliability, compliance workflows, reconciliation, production operations, and the people who keep it all working.
I’m comfortable in the architecture discussion and in the code that follows. My work brings together product thinking, technical depth, team leadership, and operational accountability.
Read my professional profileYears of hands-on engineering experience
Cross-border payment volume supported
Payout partner APIs worked across
Engineering team growth at Nairagram
02 / Selected work
Complex problems.
Concrete contributions.
From systems moving money to systems moving people. Explore the context, my role, and the engineering behind each project.
Showing 12 projects
Nairagram
Platform ownership across consumer remittance, business payments, partner APIs, payout operations, compliance, and reconciliation.
Nairagram Basket
A partner-facing payment API and dashboard connecting business integrations with transaction monitoring and operational control.
Ping Express / PingBasket
Cross-border remittance engineering spanning B2C/B2B flows, exchange rates, payout integrations, mobile APIs, and operational tools.
MasterRemit
Code review, backend upgrades, API improvements, and production support for an Australia-based payment platform.
PingMoney
Laravel APIs and Angular integration for pay-in, payout, transaction flows, and web/mobile fintech experiences.
ROOO
Rider, driver, and admin APIs connecting dispatch, live location, scheduled rides, notifications, wallets, and payments.
AmitBookDepot
Commerce and Laravel ERP covering stock, POS, invoices, payroll, attendance, customer records, and communication.
MarineIMS / IMS X7
Multi-role LMS and institute management with tenant subdomains, academic operations, fee payments, and online learning.
Canadian Real-Estate Data
Third-party listing ingestion, structured property data, search, filtering, and refresh workflows for a Canadian real-estate use case.
Multicurrency Ledger & Revenue
Double-entry ledger design, wallet and partner positions, reconciliation, FX handling, and CAD-based revenue reporting.
Stellar Remittance Prototype
Stellar/Soroban testnet work across funding verification and crypto-to-fiat, fiat-to-crypto, and crypto-to-crypto API flows.
Payment Operations Control Layer
Prototype engineering around payment orchestration, payout networks, workflow boundaries, reconciliation, and operational visibility.
03 / How I can help
The right depth.
Where it matters.
For founders building a product, fintech teams strengthening a platform, and businesses that need experienced engineering ownership.
01Fintech & payment architecture
From customer pay-in to payout, settlement, and reconciliation. I design the transaction states, integration boundaries, and operational controls that make the full lifecycle understandable.
- Cross-border remittance, wallets, FX, and partner integrations
- Payout orchestration, callbacks, retries, and failure recovery
- Double-entry ledger design and reconciliation workflows
02Engineering leadership
Hands-on leadership for businesses that need clear technical direction and a team that can deliver it. I work across architecture, hiring, mentoring, planning, code quality, and production ownership.
- Technical roadmaps and delivery governance
- Code review, quality practices, and engineering mentorship
- Alignment with founders, product, finance, and operations
03Full-stack product development
Build and improve customer applications, administrative platforms, B2B portals, and API products, with the backend and business workflows treated as first-class parts of the experience.
- PHP/Laravel, Python, Node.js, and React applications
- Mobile backend APIs and real-time communication
- Commerce, ERP, institute management, and data platforms
04Cloud, security & modernization
Practical work on the software and infrastructure that already runs your business: performance bottlenecks, safer releases, clearer monitoring, and maintainable upgrade paths.
- MySQL optimization, caching, queues, and system performance
- Cloud infrastructure, CI/CD, monitoring, and incident response
- API security, access control, code review, and legacy upgrades
05AI, forecasting & data systems
Use data and AI where they improve operational decisions. My experience includes payment forecasting, analytics, fraud signals, and assisted workflows with clear controls.
- Prophet, XGBoost, LightGBM, and Python data pipelines
- BigQuery reporting and operational dashboards
- AI-assisted interfaces and workflow automation
06Vetted remote engineering talent
For businesses that need more delivery capacity, I can help connect them with vetted remote developers and guide technical fit.
- Zero recruitment fee; clients pay talent directly
- Role and stack alignment before introductions
- Optional technical leadership and delivery oversight
Understand.
Map the business, users, money, data, and the operational problems worth solving.
Design.
Define the architecture, states, integration boundaries, controls, and delivery plan.
Build.
Implement, review, test, and ship with the team. Stay close to the details.
Own.
Observe the real behavior, handle exceptions, improve reliability, and scale deliberately.
04 / Technical range
Broad experience.
Practical depth.
A strong PHP and Laravel foundation, extended across modern APIs, data platforms, cloud operations, and payment infrastructure.
Backend & API engineering
Frontend & mobile ecosystems
Data & financial systems
Cloud & production
Payments & risk
AI, commerce & platforms
Technology choices should serve the system. I focus on maintainability, clear financial states, useful observability, and the people who will operate what we build.
Head of Engineering
Nairagram · Cross-border payments
Own engineering strategy, platform architecture, delivery, security, infrastructure, and production. Lead across payment integrations, operational systems, data intelligence, and team growth.
Lead Developer / Team Lead
Ping Express · United States
Led remittance platform development, B2B/B2C API capabilities, payout integrations, code quality, and cross-functional delivery.
Senior PHP Developer / Team Leader
Dot Technologies · Panchkula
Led development teams across custom platforms, CMS, commerce, APIs, database design, effort estimation, and technical mentoring.
Senior PHP Developer
Tech Prastish Software Solutions · Mohali
Built commerce and CMS solutions with Magento, BigCommerce, WordPress, Joomla, payment plugins, and third-party integrations.
Software Developer & Trainer
STN Technologies · Aditya Telecom · Spider Webbie · SLR Infotech
Built web and desktop applications, delivered technical training, supported CMS and government systems, and managed hosting, troubleshooting, and QA.
B.Tech, Computer Science · H.P. University / I.I.T.T College of Engineering · 2008
DOEACC ‘O’ Level · 2003
06 / Engineering field notes
Lessons from
the work itself.
A few principles I bring to payment platforms and engineering teams. Written for the decisions behind the implementation.
A timeout is not permission to pay twice.
Why unknown payout outcomes need status checks, evidence, and reconciliation before another attempt.
Your wallet balance is not your bank position.
How to separate customer balances, provider prefunding, clearing, and revenue in a multicurrency platform.
Scale the operating discipline with the code.
The review, ownership, release, and recovery habits that let an engineering team grow responsibly.
07 / Let’s build something that matters
Have a complex
challenge?
Let’s talk.
Engineering leadership, fintech architecture, a new platform, or a system that needs a stronger foundation. Tell me where you are and what you need to change.
Based in Chandigarh, India. Collaborating with teams globally.