Anubhav Ghosh — Software Development Engineer @ Juspay. Software engineer at Juspay, Bengaluru. GitHub Anubhav-Ghosh1, LeetCode anubhav_03, payments and fintech developer.Anubhav
- Juspay
- Fintech
- Open Source
Software Development Engineer @ Juspay.
I build fintech and payments infrastructure at Juspay. Full-stack engineer working on merchant analytics, clearing and settlement flow that governs how money movement happens from the point you use your card, and open-source projects find me on GitHub and LinkedIn.
About
I'm Anubhav Ghosh, a software engineer based in Bengaluru, India. I work at Juspay as an Associate SDE on fintech and payments infrastructure — clearing & settlement for Visa, Mastercard, RuPay, and merchant analytics at scale.
I build fintech and payments infrastructure at Juspay. Full-stack engineer working on merchant analytics, clearing and settlement flow that governs how money movement happens from the point you use your card, and open-source projects find me on GitHub and LinkedIn.
- Role
- SDE at Juspay
- Education
- B.Tech, Computer Science2021 — 2025
- Focus
- Payments · Distributed and Scalable systems
- Rust8 hrs 39 mins
- CSV2 hrs 33 mins
- JSON2 hrs 7 mins
- YAML2 hrs 6 mins
- SQL2 hrs
Experience
Jul 2025 — Present· Bengaluru, India- •Reduced transaction reject rate from 40% to 5% by implementing pre-submission validation checks and a dashboard-based fix flow across Visa, Mastercard, OnUs, and RuPay clearing workflows.
- •Built a config-driven file processing framework that onboarded all 4 card networks without per-network code changes, cutting end-to-end file creation time to under 5 seconds for 100K+ daily transactions.
- •Owned end-to-end Visa and Mastercard clearing flows for HSBC — acknowledgement handling, clearing file generation, reject parsing, and resubmission of corrected files.
- •Added monitoring alerts and automated health checks across settlement pipelines, ensuring reliable end-of-day reconciliation and reducing manual intervention for critical financial flows.
- •Designed a BIN-based card classification engine that resolves card variant and premium status from as few as 6 digits, enabling accurate fee segregation across card networks.
- Jun 2024 — Dec 2024· Bengaluru, India
- •Migrated backend ORM from PeeWee to SQLAlchemy, untangling legacy query debt and unblocking complex relational modeling across the merchant fee insights platform.
- •Cut web application data generation time from 24 hours to 2 seconds by redesigning the data pipeline end-to-end, making real-time fee analytics viable for the first time.
- •Built merchant-facing features to surface overpayment patterns, network fee anomalies, and cost impact of upcoming card network rule changes across multiple regions.
What I build
Diner's Find
Full-stack restaurant management platform supporting end-to-end workflows — restaurant onboarding, menu management, order placement, and real-time order tracking. Analytics dashboard powered by MongoDB aggregation pipelines.
StudyNotion
2024
Full-stack EdTech platform on the MERN stack — instructors create and publish courses with video uploads, real-time playback, and Markdown content. Razorpay payment gateway for course purchases.
Code Share
Jan 2025
Real-time multi-user code editor with syntax highlighting and live cursor sync over WebSockets.
Vidtube
Dec 2024
Full MERN video streaming platform with channels, subscriptions, comments, and view tracking.
Numbers
- TCS CodeVita — Global#1516
- Code KazeTop 1000
- LeetCode solved0+
- Google Kickstart A#4412
Get in touch
Building something interesting? Let's talk.
Open to SDE roles, freelance, and collaborations on ambitious systems work — payments, infra, dev tools.