HRJ.

Give me the whole problem.

I'll ship it.own it end to end. carry the pager. kill it when it stops working.

Not a ticket. The whole thing: schema, payments, deploy, and the 2am page when it breaks.

Harsh R Jain

Six years in. Four of them leading backend design on lending infrastructure at Perfios, where a bad number meant a bank made a bad loan. Since November I have built three products alone, start to finish, on my own savings. One of them I shut down in July.

If you have a hard problem that needs someone to own it, email me.

RésuméSee the workLinkedInrjainharsh@gmail.com
Role

Senior Software Engineer

Experience

6 years, 2 months

Currently

Co-founder & CTO, Sparkstream

Status

Open to senior engineering roles

PythonFastAPIPostgreSQLRedisKafkaAirflowAWSTerraformDockerNext.jsReact NativeSQLAlchemyTypeScriptCloudflareRazorpayStripeGitHub ActionsGitLabPythonFastAPIPostgreSQLRedisKafkaAirflowAWSTerraformDockerNext.jsReact NativeSQLAlchemyTypeScriptCloudflareRazorpayStripeGitHub ActionsGitLab
01 / numbers i can defend

Numbers I can defend

15-20 → 2

Days to turn a loan around at Perfios, before and after my team rebuilt the pipeline behind underwriting.

Lending platform · banks and NBFCs
95%

EMI prediction accuracy in production, for Tata Capital Housing and Kotak Mahindra Bank.

ML inside a regulated decision
8

Engineers led as Tech Lead, across data, ML and reporting.

20%

Fall in default rates from automated data quality checks.

3

Products shipped end to end on my own money. One closed deliberately.

97%line coverage

On the event-sourced cricket scoring engine in Sportingo, with 38 tests and verified replay equivalence, because a scoring bug during a live tournament cannot be quietly patched the next morning.

11

Indian languages served by onvoice's text-to-speech layer.

02 / shipped, owned, on-call for

Shipped, owned, on-call for

Sportingo

Sportingo

A multi-sport operating system for grassroots sport in India: matchmaking, match operations, venue holds, collect-first payouts, and cricket scoring built to tournament standard.

FastAPIPostgreSQL 16Redis 7Expo RNNext.js 15Cloudflare WorkersTurborepo
  • ▹Event-sourced scoring engine, 38 tests, 97% line coverage, replay-equivalence verified.
  • ▹Offline-first on local SQLite, syncing when the ground gets signal back.
  • ▹Transactional venue holds, soft and hard, preventing double bookings.
  • ▹Portable verified player profiles across 12+ scoped role types.
sportingo.in
SLATE

SLATE

Merchant-owned retention for Indian offline retail. Store credit layered onto the UPI payment already happening, with a ledger that never takes custody of customer money.

FastAPISQLAlchemyAlembicNext.js 16Tailwind v4PWAUPIDPDP
  • ▹Row-locked wallet ledger keeping balances correct under concurrent writes.
  • ▹37-app UPI launcher and scan-to-pay QR flows.
  • ▹Ledger-only architecture that removes PA and PPI licensing exposure.
  • ▹Deletion with 30-day grace, purge sweep, phone masking, audit logging.
slateapp.in
onvoice

onvoice

An AI voice calling platform with a model in the path of a live call. Built it, ran it, and closed it in July 2026 when it did not find traction.

OpenAIAnthropicGeminiLlamaDeepSeekElevenLabsSarvam AITwilioAWS Lambda
  • ▹Direct provider APIs, no framework layer, so failover and cost were mine.
  • ▹Latency and token budgets enforced inside a call that cannot be paused.
  • ▹Webhook-driven call lifecycle across two telephony providers.
  • ▹The shutdown call was mine too, in July, after seven months.
onvoice.in
03 / where it came from

Where it came from

Nov 2025 to present

Co-founder & CTO

Sparkstream Technology LLP · Bengaluru

  • Left a full-time lead role to build products end to end, funded from savings.
  • Three builds: onvoice, Sportingo, SLATE, from schema to payments to production incidents.
  • Own the whole stack, including the deploy pipeline and the on-call phone.
Aug 2021 to Nov 2025

Tech Lead Engineer

Perfios Software Solutions · lending SaaS for banks and NBFCs

  • Led 8 engineers; pipelines processing millions of financial records daily.
  • Loan turnaround 15-20 days to under two; default rates down 20%.
  • PostgreSQL work cut report generation 40%; CAM reports built in Java and Spring Boot.
  • GitLab CI/CD, IaC, audit logging and access controls for regulatory compliance.
Jun 2020 to Jul 2021

Python Developer

NasyaIT · Bengaluru

  • Django applications for global clients.
  • DVR analytics on live RTSP streams with TensorFlow and YOLO.
04 / education

Education

2024 to 2025

M.Sc. Machine Learning & Artificial Intelligence

Liverpool John Moores University, with upGrad

FHEQ Level 7, 180 credits.

2023 to 2024

Executive PG Programme, ML & AI

IIIT Bangalore, with upGrad

Studied while leading eight engineers at Perfios.

2017 to 2021

B.Tech, Computer Science & Engineering

BNM Institute of Technology, Bengaluru

8.78 / 10 CGPA.

05 / certification

Certification

AWS Certified Solutions Architect, Associate

Amazon Web Services · earned 2022

Six years of production AWS behind the certificate: EC2, S3, Lambda, RDS, EMR, Glue, DynamoDB and CloudFront, provisioned with Terraform and shipped through GitLab CI and GitHub Actions.

06 / research

Research

IEEE · 2022
Plant-Wise Comparison of Various CNN Algorithms for Detection of Pest Infestation

Comparative evaluation of convolutional architectures for crop pest detection.

IJARSCT · 2021
Monitoring of Docker Containers with Round Robin Database

Container metrics collection and retention using an RRD time-series store.