Product Engineering · Pune, India

Engineering
Fintech Platforms
That Scale

We design and build production-grade software for companies that cannot afford downtime. From payment platforms and core banking systems to high-throughput SaaS products, delivered by a senior team in Pune working to your timeline.

Talk to Our Team →View Case Studies

Engineering Outcomes Across Engagements

20+

Products Shipped

15+

Total Clients

Critical Bugs (post-launch)

100%

Go-Live Success Rate

Compliance Ready

RBIGDPRDPDP ActPCI-DSSSOC 2

20+

Products Built

30+

Engineers

Years Delivering

99.99%

Uptime Record

Trusted by product and engineering teams across fintech, banking and SaaS

JJIT

Banking SaaS & Loan Origination

Altruyx

Cloud-native API Management

Orcapod

HR Tech & BGV Platforms

CloudCon PIY

Cloud Infrastructure & DevOps

ITCube Solutions

Enterprise Software Development

SheerVal

Information Technology & Services

PayGlocal

Global Payments Infrastructure

JJIT

Banking SaaS & Loan Origination

Altruyx

Cloud-native API Management

Orcapod

HR Tech & BGV Platforms

CloudCon PIY

Cloud Infrastructure & DevOps

ITCube Solutions

Enterprise Software Development

SheerVal

Information Technology & Services

PayGlocal

Global Payments Infrastructure

MGM Tech

Technology Services

DocKare

Healthcare Technology

Xirify

Hyperlocal Commerce Platform

Value Add Softtech

Systems & Solutions

DEENR

Energy & Sustainability Tech

Itanta Analytics

Data Analytics & Insights

MGM Tech

Technology Services

DocKare

Healthcare Technology

Xirify

Hyperlocal Commerce Platform

Value Add Softtech

Systems & Solutions

DEENR

Energy & Sustainability Tech

Itanta Analytics

Data Analytics & Insights

What We Build

Engineering for the world’s most demanding platforms

Fintech. Core banking. Transport infrastructure. HR tech. Each with unique compliance requirements, high data stakes, and zero tolerance for downtime.

🏦

RBI-Compliant Fintech Platforms

Payment orchestration, merchant portals, fraud rule engines, and multi-tenant banking SaaS built to RBI standards. Full audit trails and regulatory reporting included.

RBI CompliantPCI-DSSMulti-tenant

☁️

High-Availability SaaS Solutions

99.99% uptime SaaS engineered for horizontal scalability, zero-downtime deployments, and resilient architecture that handles 100x traffic growth.

High AvailabilityAuto-scalingZero-downtime

⚡

Real-Time Event-Driven Systems

High-throughput Kafka and RabbitMQ pipelines, with a track record of scaling systems from 500 to 12,000 events per second without data loss on financial transactions.

KafkaEvent-drivenLow latency

🔒

Secure Core Banking Systems

Monolith-to-microservices migrations for core banking, with RBAC, idempotency, immutable audit logs, and regulatory reporting built into the architecture.

Core BankingMicroservicesDPDP/GDPR

🌐

API Management Platforms

Enterprise API gateway solutions with OAuth 2.0 hardening, threat protection, multi-version management, and zero-downtime CI/CD pipelines.

API GatewayOAuth 2.0API Security

📱

Cross-Platform Mobile Products

Mobile-first applications for field operations, verification workflows, and consumer products, with native performance on iOS and Android.

FlutteriOS/AndroidOffline-first

Engineering Principles

Four non-negotiable engineering pillars

Every engagement starts with these principles already in place. They shape our architecture decisions, data models, and infrastructure choices before a single line of code is written.

🔒

Security First

Zero-trust architecture, RBAC, encrypted data at rest and in transit, OAuth 2.0/JWT, vulnerability scanning, and penetration testing as standard practice. Not added after the fact.

📈

Scalability

Horizontal scaling, event-driven decoupling, stateless services, and auto-scaling infrastructure designed to absorb 100x traffic growth without a ground-up re-architecture.

🛡️

Reliability

99.999% uptime targets, circuit breakers, retry logic, blue-green deployments, automated failover, and SLA-aligned SLOs. All part of the architecture from the start.

📋

Compliance by Design

RBI, GDPR, DPDP, PCI-DSS, and SOC 2 requirements built into the architecture before any sprint begins, including immutable audit logs, data residency controls, and consent flows.

Case Studies

Systems built for real constraints

Five of the many systems we’ve built. Each one had real constraints, whether regulatory, operational, or scale, and had to work in production from day one.

Banking SaaS · Regulated

Multi-tenant loan origination system

Banking Client

Full lifecycle from lead to disbursement. Bank-specific schema config, tenant isolation, dual deployment (cloud + on-premises) from a single codebase.

React.NET CoreMulti-tenantDPDP

View case →

Core Banking · Migration

CBS: Monolith to microservicesOngoing

Banking client

5 modules migrated from tightly-coupled monolith to independently deployable services, each with its own database, RabbitMQ events, idempotent consumers, and full audit logging.

.NETRabbitMQEvent-drivenRBAC

View case →

Transport Infra · Real-time

Electronic Toll Management System (ETMS)

High-volume toll operations

Rebuilt from synchronous to Kafka event-driven. Processing time: 5s → 150ms. Throughput: 800 → 12,000 events/sec. Zero data loss on financial transactions.

KafkaMariaDBFASTag/ANPRZero data loss

View case →

HR Tech · Multi-tenant

Background verification platform for agencies

HR Tech Firm

Multi-tenant BGV SaaS with isolated tenants, 20 Surepass APIs, SpringVerify integration, and a full chain-of-evidence audit trail. GDPR-compliant data isolation.

Node.jsPostgreSQLAWSGDPR

View case →

Enterprise API · Platform Engineering

API Proxies Management Platform

Enterprise Tech Client

3 active UI versions across on-prem and cloud. 500+ bugs resolved, 200+ security vulnerabilities mitigated. Zero-downtime releases via versioned asset switching with a config-driven routing layer.

AngularGoScalaJavaZero downtime

View case →

AI Engineering

We build with AI,
not just around it

We build AI into products where it genuinely adds value. Machine learning pipelines, conversational systems, and intelligent automation grounded in real use cases and practical constraints.

POC · Assistive AI

Spam Call Detection
using Behavioural ML

An end-to-end ML system that detects spam calls using behavioural analysis of historical call metadata, providing explainable, auditable predictions to assist human decision-making.

✓

Upload or generate call data (CSV), train a logistic regression model on behavioural patterns

✓

Spam risk score (0–1) with clear per-prediction explanations (e.g. “High call frequency”, “Short duration”)

✓

Retrainable model that adapts to client-specific call data and patterns over time

✓

Clean dashboard with confusion matrix, classification report, and real-time metrics

PythonScikit-learnLogistic RegressionExplainable AICSV Pipeline

💡Assistive AI: supports human decisions, never auto-blocks. Transparent and auditable by design

POC · Conversational AI

AI-Powered IVR for
Medical Insurance Queries

A fully local, voice-first AI system that lets callers query insurance claims, documents, and coverage using natural speech, with no dependency on paid external APIs.

✓

Full pipeline: voice → STT → NLU (Rasa) → intent + slot extraction → TTS → Asterisk playback

✓

Multi-turn conversations with slot-based logic (e.g. claim ID handling), fallback guidance, and sentiment tracking

✓

All interactions stored in PostgreSQL, visualised in Grafana for monitoring and analytics

✓

Runs fully on Docker with zero external paid services, complete control and explainability

Rasa NLUAsteriskSTT / TTSPostgreSQLGrafanaDocker

🏠Fully on-premise: designed for privacy-sensitive regulated environments like insurance and banking

Compliance & Regulatory

Built for regulated environments from day one

Compliance is built into the architecture, not layered on afterward. Before we write a single line of code, RBI guidelines, GDPR, and DPDP requirements have already shaped the data model, audit structure, and access controls.

🏛️

RBI

Reserve Bank of India fintech & payment guidelines

🇪🇺

GDPR

EU General Data Protection Regulation

🇮🇳

DPDP Act

India Digital Personal Data Protection Act 2023

💳

PCI-DSS

Payment Card Industry Data Security Standard

🔒

SOC 2

Service Organization Control 2 readiness

🛡️

ISO 27001

Information security management

How we implement compliance

✓

Immutable audit logs: every state change tracked with actor, timestamp, and delta across all services

✓

Data residency controls: configurable storage zones for GDPR/DPDP data localisation requirements

✓

Consent management: granular consent flows with right-to-erasure and data portability built in

✓

RBAC + field-level encryption: access controls at row and column level for sensitive financial data

✓

Regulatory reporting: automated RBI submission reports and internal compliance dashboards

The Team

Founder-led on every engagement

Both founders are involved in architecture reviews and stay close to delivery on every engagement. Once the proposal is signed, you are not handed off to a junior team.

Omkar Lagu

Co-founder · Delivery

20+ years · Enterprise products

20+ years building enterprise products across storage, e-commerce, payments, and smart city platforms. Leads execution, client relationships, and engineering operations on every engagement.

Madhura Adawadkar

Co-founder · Architecture

20+ years · Systems Architect

20+ years of software design and architecture. Personally responsible for architecture decisions and core module design on every project. Active hands-on, not management only.

Rohan Jadhav

Engineering Lead

Nidhi Joshi

Engineering Lead

Tushar Sharma

Engineering Lead

Amit Dhok

Engineering Lead

+ 26 more engineers across web, mobile & cloud infrastructure

“

We have a very strong partnership with the Utterwise team. Their attention to detail and professional approach really helped us deliver right. They produce amazing results consistently.

Prashant Upasani

CEO & Founder, Value Add Softtech and Systems

Engagement Models