Software Engineer based in Chembur, Mumbai with 4.5+ years of experience engineering scalable web applications, digital banking platforms, workflow automations, and enterprise systems.
4.5+ Years of experience in Banking, Fintech & Digital Transformation
Hi, I'm Tushar Kasbe, a Software Engineer based in Chembur, Mumbai, India with 4.5+ years of experience engineering scalable digital platforms across banking, financial services, and enterprise workflows. I specialize in building robust applications using React JS, Next.js, TypeScript, JavaScript, Node.js, Express, Python, Oracle Database, MySQL, MongoDB, and RESTful APIs. My experience includes owning digital product delivery at Central Bank of India across live platforms like Digital Ambassador, Payment Aggregator, Soundbox Onboarding, ATM Management, and CBDC pilot coordination, as well as high-volume wealth management systems at Motilal Oswal.
Core Strengths & Engineering Focus:
Engineered secure, scalable banking platforms with JWT authentication, Role-Based Access Control (RBAC), and strict regulatory compliance.
Owned end-to-end product delivery and Change Request (CR) coordination for Central Bank Digital Currency (CBDC) pilot with NPCI and RBI stakeholders.
Architected multi-tier approval workflows, automated PO generation engines, and bulk Excel data processing systems for enterprise rollouts.
Built unified investor and partner portals supporting Aadhaar e-Sign, Net Banking, RTGS payments, and real-time KYC verification.
Created reusable components and project boilerplates used across 5+ enterprise engagements, consistently delivering 99% bug-free releases.
"Committed to delivering high-performance, compliant, and scalable software solutions that solve real business challenges and streamline complex enterprise operations."
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EDUCATION
Bachelor of Engineering
Terna Engineering College, Nerul, Navi Mumbai
Bachelor of Engineering (EXTC)
August 2017 - July 2021
Graduated in Electronics & Telecommunication Engineering from University of Mumbai with focus on web technologies, software engineering, and computer networking.
Owning digital product delivery across four live platforms: Digital Ambassador, Payment Aggregator, Soundbox Onboarding, and ATM Management Systems.
Coordinating Change Requests (CR), UAT sign-offs, and technical delivery for the Central Bank Digital Currency (CBDC) pilot with NPCI and RBI stakeholders.
Implemented JWT-based authentication and Role-Based Access Control (RBAC) to enforce secure access management across all in-house banking portals.
Liaised with Cisco, Network, Data Centre, and Server teams to unblock CR bottlenecks and maintain audit-compliant change records.
Designed modular frontend architecture and API integration layers ensuring scalability, regulatory compliance, and rapid release cycles.
Motilal Oswal Financial Services Ltd.
Software EngineerDec 2023 – May 2025
React.jsNext.jsJavaScriptNode.jsMySQLRESTful APIsRedux ToolkitAadhaar e-Sign API
Developed and maintained scalable financial platforms — PMS, AIF, and Mutual Fund portals — supporting high-volume transaction processing.
Built secure role-based digital journeys for investment transactions, partner onboarding, and KYC management using PAN-based verification.
Integrated Aadhaar-based e-signing, Net Banking, and RTGS payment gateways for secure end-to-end investment execution.
Improved application load performance by 40–50% through code splitting, lazy loading, and Next.js SSR optimization.
Led code reviews, mentored junior developers, and upheld architectural best practices across all product modules.
Technical coordination, Change Request (CR) management, and infrastructure unblocking for the RBI CBDC digital currency rollout.
Impact: Ensured seamless pilot readiness, zero-delay CR tracking, and strict adherence to regulatory audit compliance.
Own end-to-end Change Request tracking for the CBDC pilot, from raising and submitting requests through implementation follow-up.
Coordinate with Cisco, Network, Data Centre, and Server teams to unblock CRs and escalate approvals for timely resolution.
Represent the product team in cross-functional status meetings with NPCI and RBI stakeholders, documenting outcomes and driving open action items to closure.
Maintain detailed change logs and CR outcome records supporting audit trail and regulatory compliance.
Recognized for delivering enterprise-grade banking workflow systems, ATM digitisation, and demonstrating strong technical governance.
Built personal React boilerplate tool used across 5–6 projects at Central Bank of India and Motilal Oswal, cutting setup time from hours to 20–30 minutes.
Reduced contract processing time by 60% through workflow automation at V2S Tech Solutions.
Improved application load performance by 40–50% through code splitting and SSR optimization at Motilal Oswal.
Received Outstanding Achievement Award at V2S Tech Solutions for exceptional project delivery within timelines.
Attended Global FinTech Fest 2025 with focus on CBDC, Digital Banking, and Fintech regulation.
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EVENTS & CONFERENCES
Representing Central Bank of IndiaCentral Bank of India
"Had an incredible time at GFF 2025 (Global Fintech Fest) this year. The sessions, panel discussions, and networking opportunities were on another level. One key takeaway was how rapidly AI is transforming every part of the fintech ecosystem — from automation to risk management, fraud detection, customer experience, decision intelligence and beyond. Every fintech product, workflow, and business model today is integrating AI in some form, and GFF 2025 made that clearer than ever. Truly grateful to the Central Bank of India for the opportunity to represent the organisation and learn from industry leaders shaping the future of fintech."
Key Highlights & Learnings:
AI in Fintech: Witnessed how rapidly AI is transforming automation, risk management, fraud detection, customer experience, and decision intelligence.
Representing Central Bank of India: Honoured to represent the bank at a global stage, connecting with innovators and leaders reshaping the financial landscape.
Future of Finance: Explored cutting-edge integrations of AI + fintech workflows and next-generation banking technologies.
#GFF2025#Fintech#AI in Banking#Innovation#FutureOfFinance#CentralBankOfIndia#CBDC
"Attended 'Build with Bob: Developer Lab' by IBM at ITC Maratha, Mumbai — a hands-on technical session focused on how AI transforms the Software Development Lifecycle (SDLC). The hands-on lab and Mini Bobathon provided a practical perspective on using AI not just for generating code, but as an engineering assistant across the full development lifecycle — helping developers build, test, modernize, and deliver software faster and smarter."
Mini Bobathon & Hands-on Lab: Applied AI as a practical engineering assistant across the development lifecycle to solve real-world engineering challenges.
Developer Productivity Layer: Gained insights on AI evolving from a simple coding helper into a full productivity layer across the SDLC.
