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Ajesh Nag

Ajesh Nag

I build FinTech products end to end, and care as much about why they exist as how they work.Leading frontend engineering across all payments products at CRED (opens in a new tab).Previously founding engineer and head of mobile at Freo (opens in a new tab).

Engineering leader specializing in taking products and teams from zero to one. A mobile expert across native Android, iOS and Flutter, with hands-on backend experience in Kotlin, Spring Boot and AWS. Built products in the hands of millions of users worldwide.

The last decade has been focused on FinTech consumer products across Lending, Payments, Cards, Banking and Buy Now Pay Later, doing whatever was required to grow the business.

Experience

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  1. Feb 2024 – Present

    Engineering leader for all payments products at CRED.

    Payments

    Current

    Leading engineering for payments across CRED: the systems that move money for millions of customers.

    CRED's card screen: a fully paid credit card bill with a Pay more button, the card, and a spends summary
    • Card tokenizationCards as secure network tokens, powering Tap & Pay and in-app merchant payments.

  2. Founding engineer

    2016 – 2024

    Held several leadership roles across a range of FinTech products.

    • Wrote the company values and set up long-standing processes and practices across the org. Helped onboard every new employee for the first five years.
    • Built internal frameworks and libraries used across multiple products.
    • Led a number of experimental, failed or rebranded products whose learnings still guide the company.

    Head of Mobile Engineering

    2018 – 2022

    • Built the entire mobile engineering team and culture; hired every member.
    • Owned strategy and architecture for every mobile product in the company's history across multiple partners, countries and super-apps.
    • Technical oversight of all products across Android, iOS and Flutter, and 0-to-1 launches of over a dozen apps.

  3. 2013 – 2016

    Android and iOS apps across FinTech, FoodTech, Media and Sports.

Skills

Payments

Moving money for millions of customers, reliably, and playing by the rules.

Credit card bill payments, UPI, Checkout, Card tokenization, NFC tap-to-pay, Remittances, Merchant integrations

FinTech

Built almost every type of consumer FinTech product, and worked with the partners and regulators behind them.

Credit lines, Buy Now Pay Later (BNPL), Neobanking, Lending, insurance and banking partnerships, Institution (Banks) and regulator (RBI) compliance, Security approvals (within India and abroad)

Leadership

Building teams and products from zero.

Company values and processes, Engineering management, Hiring and team building, Product management, Technical strategy and architecture, 0-to-1 launches, Distributed teams

Mobile

Native to cross-platform, adopting each platform's new language as it arrived.

Android: Java → Kotlin, iOS: Objective-C → Swift, Flutter, SDKs embedded in partner apps, Shared frameworks and libraries, Large-scale migrations

Backend

Hands-on with the services behind the apps.

Kotlin, Spring Boot, Hibernate, AWS

Education

2009 – 2013

PES University

Bachelor of Engineering (BE), Computer and Information Sciences

First class with distinction

Publications

  • 2013

    Evolutionary approach and Spline Interpolation for Contrast Enhancement

    IEEE ICIIP

    Born out of my passion for evolutionary biology, and an attempt to bring it together with computer science.

Also available as a PDF