Yogendra Goyal

Kuhoo is a next-gen fintech platform enabling dreams through technology-driven underwriting. We make debt accessible to those who need it most, starting with student loans. Kuhoo serves as both an underwriter and a marketplace, connecting banks, financial institutions, agencies, and students on a single platform. Our mission is to empower aspiring students who might otherwise be forced to abandon their educational dreams, providing the financial bridge between poverty and prosperity. Fostering a close-knit, long-term community built on mutual learning and continuous support. Transforming Tech Development at Kuhoo: A Case Study in Excellence Built a dynamic and innovative team of 33 talented individuals, with an average age of 25 years, fostering a culture of creativity and technical excellence. This young and energetic team developed an in-house lending platform, setting new benchmarks with state-of-the-art automation. Our decision engine now autonomously processes 45% of loan approvals, with plans to elevate this to 80% in the near future. The Loan Origination System (LOS) integrates advanced automated risk filters, including comprehensive document verification, ensuring a seamless and secure process. Our KYC protocols stand as best-in-class, enhancing both security and user experience. Kuhoo’s technology infrastructure is fortified with world-class information security measures, safeguarding both data and operations. The Software Development Life Cycle (SDLC) is meticulously designed to foster continuous learning and growth for every team member. Regular one-on-one sessions ensure that the team remains highly motivated and aligned with our goals.

As Head of Engineering at Jio Financial Services (a payment bank, UPI, and wallet company with a payment gateway aggregator business), I spearheaded the transformation of a bank-like startup into one of India’s largest FinTech mobile payment platforms as part of Jio, the world’s largest mobile data network. I led the technology strategy and development, focusing on delivering secure, scalable, and innovative payment solutions. My efforts included optimizing infrastructure for real-time payments—covering UPI systems, digital wallets, and payment gateways—while ensuring robust cybersecurity, regulatory compliance, and effective cross-team collaboration. Emphasizing cloud infrastructure, I future-proofed the business and ensured reliable financial services at scale. Key Achievements: Restructured teams, processes, and technology into a high-performing 120+ member unit, implementing over 20 robust systems. Built and executed a roadmap that scaled the platform from 75 to 500 transactions per second, designed for infinite scalability, exceeding 10,000 TPS. Reduced delivery cycle time from 4 months to 1 month by adopting Agile methodologies, Test Automation, and Continuous Integration. This role taught me to build and think with a large-scale impact, challenging traditional processes and designing resilient, innovative systems for the future. About Jio Money & Jio Payments Bank: Launched in 2016 as part of Reliance Jio, Jio Money & Jio Payments Bank aimed to become India’s largest mobile payment platform, successfully acquiring 100 million customers and 20 million merchants. The platform is central to providing accessible, simple, and affordable banking solutions across India’s diverse population.

ClapShare is a peer to peer sharing application to make under-utilized assets more usable by making sharing of goods and services really simple and easy in real time. Launched with books on an android and web, the users could get the book of their choice without actually having to buy it. The platform manages user verification, reputation, logistics and payment. Done the pilot in Mumbai Metropolitan region and delivered more than 10,000 books.

As Engineering Team Lead at BillDesk, one of India’s largest online payment services companies, I was instrumental in developing the company’s payment systems from scratch, solidifying BillDesk’s position as a leading payment gateway provider in the country. BillDesk serves millions of users and businesses across India, offering a comprehensive range of payment options, including direct debits, card payments, and UPI. The platform is integrated with over 60 top banks and more than 5,000 merchants. In addition to payments, BillDesk provides loyalty and credit analytics services to leading Indian banks. Key Responsibilities: System Development: Designed and implemented BillDesk’s entire suite of payment systems, ensuring scalability, reliability, and security. Team Leadership: Directed a team of engineers to drive technical innovation and excellence. System Optimization: Enhanced system performance and scalability to efficiently handle high transaction volumes. Cross-Functional Collaboration: Worked with stakeholders to align technology solutions with business objectives. Key Achievements: Built and deployed all core payment systems, significantly improving transaction speed and reliability. Enabled integration with over 60 banks and 5,000 merchants. Scaled systems to support high transaction volumes with minimal downtime. This role honed my ability to lead complex engineering projects and advance technology in a dynamic, high-impact environment.

Managed server side SIM application development and rollout for major telcos.

As one of the early members of BillDesk’s technology team, I began as a software developer right out of IIT, focusing on new integrations and platform development. Over the following quarters, I quickly evolved into a core team member, playing a pivotal role in major technology rollouts, including the successful integration with HDFC Bank. I was instrumental in building the initial versions of the Payment Gateway solution, laying the foundation for BillDesk’s robust payment processing platform.