Backend Engineer at CRED

Building payment
systems at scale.

I engineer high-throughput, fault-tolerant payment microservices powering UPI, Cards, BNPL, and Wallet flows at CRED. I care about reliability, clean system design, and shipping things that work.

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Anmol Tomer
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Career

Work Experience

CRED
Bengaluru, India
Sep 2021 — Present
Backend Engineer — Payments Platform
June 2023 — Present
  • Spearheaded in-house VPA creation via Axis UPI APIs, reducing merchant VPA TAT from 14 days to real-time by eliminating manual ops and banking handoffs.
  • Designed and built automated merchant onboarding workflows using AWS Step Functions and SQS, cutting integration TAT from 4–5 days to 2 hours and Shopify/Gokwik onboarding from 2 days to 5 minutes.
  • Implemented regulatory-compliant KYC verification pipelines using Karza APIs, ensuring accurate identity validation and adherence to payment compliance requirements.
  • Engineered large-scale, low-latency payment microservices powering UPI Autopay, Cards, BNPL, Wallet Loading, Mutual Funds, and Checkout flows across CRED.
  • Built fault-tolerant distributed workflows using Java + Spring Boot, SQS/Kafka, idempotent processors, DLQs, and event-driven orchestration for high-volume payment traffic.
  • Integrated HDFC UPI stack into core Credit Card Bill Payments flow, resulting in 50L+ monthly cost savings and a 3% improvement in payment success rates over existing UPI rails.
  • Owned backend systems end-to-end: system design, API contracts, provider integrations, microservice development, production rollouts, monitoring, on-call operations, and incident debugging.
Product & Partner Engineering
Sep 2021 — June 2023
  • Built a self-serve merchant onboarding platform using Swagger-based APIs, significantly reducing dependency on partner onboarding and operations teams.
  • Developed Python automation pipelines on AWS Lambda to streamline payment operations and reduce refund processing turnaround times.
  • Led sales and partner engineering for CRED Pay, enabling integrations across 400+ brands including Zomato, BigBasket, Zepto, and IRCTC.
Expertise

Technical Skills

Languages
C/C++ (STL) Java Python SQL TypeScript
Frameworks & Libraries
Spring Spring Boot FastAPI Node.js Zod Alembic Pydantic Hibernate Pandas Express.js
Databases
MySQL MongoDB Redis DynamoDB
Architectures
Microservices Event-Driven (Kafka) Distributed Systems Domain-Driven Design
Developer Tools
Git Docker Postman Bash n8n Claude Code
Cloud & DevOps
AWS EC2 S3 SQS Lambda Step Functions Kafka Datadog Jenkins Grafana (Loki)
Side Projects

Things I've Built

Side projects where I explore AI, full-stack development, and system design.

Bloom Learn

Full-stack AI-powered learning system implementing Bloom's Taxonomy using a deterministic, policy-driven state machine. Features a multi-agent orchestration engine (Judge, Feedback, Tutor) with observability-first workflows, token cost intelligence, and multi-provider LLM fallback chains.

FastAPI PydanticAI React TypeScript Langfuse SSE
Code
Verso

Agentic AI-driven backend service using Google Gemini and PydanticAI for unstructured text classification with schema-compliant outputs. Features secure async auth with Clerk, media asset management via GCS signed URLs, and containerized deployment on GCP.

Gemini PydanticAI FastAPI GCS Docker Caddy
Website Demo
Background

Education

B.Tech in Electronics & Computer Science Engineering
Vellore Institute of Technology, Chennai
CGPA: 8.6 / 10.0 2018 — 2022
Beyond Code

Interests & Goals

Ironman Training

Training for a future Ironman triathlon. Building endurance one session at a time.

Team Sports

Cricket, badminton, and football. Hala Madrid!

Sports Watching

F1, Tennis, and football when I'm not on the field myself.

Tech Hobbies

Reading tech blogs, Hackernews, and doom-scrolling tech Twitter.