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rbaljinder.dev

Background

Senior Software Engineer in Atlanta, GA, 17+ years across finance, credit risk, identity and fraud.

Credit Acceptance · Senior Software Engineer

2025 — Present

Remote

  • Building a vehicle marketplace.

Wayfair · Senior Software Engineer

2021 — 2025

Alpharetta, GA

  • Designed and implemented APIs and services aggregating ~$12B in financial revenue data for Wayfair's SEC filings across e-commerce, retail, liquidation, advertising and loyalty memberships — a microservices architecture over 20+ event streams and disparate data stores, driving revenue recognition, SAP journal entries and revenue contract creation.
  • Designed and led adoption of a Kafka application framework now used by 5 teams (25+ engineers) to process ~25M events/day, cutting the time to bootstrap an event-driven service and improving reliability.
  • Built and maintained a BigTable-backed order revenue recognition API holding a ~10ms SLA across ~8M daily requests for estimates, cost and revenue recognition.
  • Created a self-serve UI portal that cut audit investigation time in half for accounting analysts and auditors, with dynamic data-flow diagrams for tracing and correlating events across 30+ event-driven services.
  • Developed an API client library for the Wayfair Orders API via a custom code generator — typed models, interceptors and a pluggable HTTP abstraction — adopted across 15+ repositories.
  • Contributed to Accounts Receivable modernization: storage and pick-pack charge generation for warehouses, internal tooling, and supplier/partner invoicing.

Equifax · Technical Lead

2013 — 2021

Alpharetta, GA

  • Led modernization of AT&T's global business services credit risk platform, integrating multi-source data for risk assessment and streamlining workflow.
  • Led the InterConnect cloud transformation to AWS for risk assessment solutions (AT&T, Verizon, Dish) contributing to $200M combined revenue — saving $1M+ by moving WebSphere to Tomcat and Oracle to PostgreSQL, plus a CI/CD pipeline and cloud spend observability portal.
  • Developed an automated provider screening system for Medicare/Medicaid background checks ($5M multi-year contract), improving accuracy and reducing false positives on criminal background checks.
  • Built risk assessment, identity verification and compliance solutions for employment, government benefits and DoD.
  • Contributed to OnlyID Digital Identity, a federated identity verification system for FIS, integrating biometric authentication on Azure serverless.
  • Created Drishya, a purpose-built reporting engine saving ~$250k annually, and Farzi, a service virtualization platform for end-to-end testing.
  • Led post-breach security and compliance work for the credit risk platform, ensuring PCI and FCRA compliance — reverse-engineering the legacy platform and completing data auditing that supported customer retention worth +$100M annual revenue.

IHG · Senior Software Engineer

2012 — 2013

Dunwoody, GA

  • Built features for IHG's search and reservation site on the customer loyalty team — integrating third-party recommendation services, adding feature-flag support for hotel recommendations, and creating tooling for marketing and promotional content workflows.

Equifax — Tata Consultancy Services · Senior Software Engineer

2008 — 2012

Alpharetta, GA & Bangalore

  • Contributed to the InterConnect core platform and credit decisioning implementations for major Equifax partners including Verizon, RBS, SunTrust and Citizens Bank, plus the ePort B2B portal.
Languages
JavaKotlinPythonTypeScriptJavaScriptC#GroovyPHPBash
Backend
KafkaSpringSpring Boot.NET CoreFastAPIRESTGraphQLSOAP
Frontend
Vue.jsAngularReactJSFCytoscape.jseCharts
Data
PostgreSQLBigQueryBigTableSQL ServerMySQLMongoDBDynamoDB
Cloud
GCPAWSAzureCloudflareKubernetesDockerTerraform
Operations
JenkinsBuildkiteDatadogGrafanaCloudWatchVaultPagerDuty
  • B.Tech, Computer Science & Engineering

    Punjab Technical University, Jalandhar, India

  • Diploma, Computer Science

    Haryana State Board of Technical Education, Panchkula, India

Certifications

  • AWS Certified Solutions Architect — Associate
  • Sun Certified Java Programmer