Ashish Kumar
Lead Full-Stack Engineer — Mobile & Web
Architecting regulated enterprise platforms across
BFSI, Insurtech & AI-powered systems since 2017.
Experience
Achieved
Transitions Built
Projects Led
Engineering at the intersection
of product, platform & compliance
Full-stack engineer with 8+ years at Qualtech building production mobile and web platforms across BFSI and insurtech verticals. Lead-level ownership across the entire stack — React Native and Next.js on the client, Spring Boot microservices and Node.js on the backend, on PostgreSQL, Oracle, Kafka, and Redis.
Currently architecting and leading engineering for IMGC's Policy Administration System modernization — migrating a legacy Oracle/VB.Net PAS to a modern Spring Boot 3.x microservices architecture with Kafka event backbone. Delivered a 48% reduction in estimated migration effort through strategic infrastructure analysis and AWS RDS vs Azure PaaS scenario modelling.
6+ years on the Axis Max Life Insurance account leading mobile and web feature delivery. Deep domain fluency in regulated systems — IRDAI, RBI V-CIP, DPDP Act 2023, BIS IS 17802/WCAG 2.1 AA, and UIDAI Aadhaar vaulting. Hands-on from data model to UI across the full delivery lifecycle.
"I believe great software engineering in regulated domains is the art of building systems that are simultaneously developer-friendly, user-safe, and audit-ready — from the first schema migration to the last accessibility test."
Full-Stack Architecture
End-to-end ownership from PostgreSQL schema design and Spring Boot state machines through TanStack Query-driven React/Next.js frontends. Established component patterns and data-fetching conventions adopted across engagements.
Security-First Engineering
Shipped MFA/OTP authentication, RBAC-gated workflows, secure token handling and Aadhaar vaulting patterns aligned to IRDAI controls. Lead security and compliance review gates across delivery streams.
Event-Driven Systems
Designed Kafka event backbone for IMGC PAS modernization, schema-per-service isolation across microservices, and Redis session/cache layers supporting production throughput at enterprise scale.
Engineering Leadership
Mentorship, architecture reviews, security gates, code review standards, and documentation-first delivery patterns. Established coding checklists and contribution conventions adopted across multi-team engagements.
The full-stack toolkit
From mobile and frontend through microservices, data, cloud, and compliance.
8+ years building
systems that matter
- Backend architecture & microservices. Own end-to-end backend architecture for migration of legacy Oracle/VB.Net PAS to Spring Boot 3.x microservices on Java 21, PostgreSQL 15 with Flyway migrations, Kafka event backbone, and Redis for session and cache layers. Established schema-per-service isolation across all services.
- Web & frontend architecture. Own the Next.js 16 / React 19 web client architecture with TypeScript, TanStack Query for server-state, Zustand for client-state, Tailwind and Radix UI design system. Built shared component patterns and data-fetching conventions adopted across the engagement.
- Loan Creation Journey workflow engine. Designed and built the 4-phase RBAC-gated workflow (Service Desk → CPA QDE/DDE → Underwriter) end-to-end — 14-transition workflow with phase-gated authorization, MFA/OTP authentication, and full audit trail. 14 transitions
- Oracle → PostgreSQL migration strategy. Produced effort estimates across AWS RDS and Azure VM/PaaS scenarios. Recommended path reduced estimated effort from 1,130 to 589 person-days. 48% reduction Authored BIS IS 17802 / WCAG 2.1 AA accessibility compliance report mapping controls to workflow screens.
- Engineering leadership. Drive architecture and security review gates across IMGC delivery streams; mentor engineers through code reviews, system walkthroughs, and documentation-first delivery patterns.
- React Native framework upgrade. Led Employee App framework upgrade — cold-start time reduced ~25%. Introduced reusable component patterns adopted across product squads, reducing duplicated work in mobile delivery. ~25% perf gain
- Mobile & web feature delivery. Owned end-to-end feature delivery on MaxLifeOne Employee App (React Native), myGroup Business Portal (React web), and Ely HR chatbot (Node.js on AWS), supporting field agents and employees under IRDAI release governance.
- Backend integration & API delivery. Integrated mobile and web clients with Java and Node.js backends on MySQL and MongoDB; built and maintained REST APIs for authentication, secure storage, and policy data flows.
- Security & compliance engineering. Shipped secure mobile authentication, token handling, and secure-storage patterns aligned to IRDAI controls; partnered with security and compliance teams across multiple audit cycles.
- Rallyest (Cybertron). HIPAA-compliant care-coordination platform on Ionic/Swift + PHP-Laravel + MySQL deployed on AWS. Earliest exposure to regulated-systems engineering — audit trails, protected-data handling, consent workflows — establishing foundations for later IRDAI compliance work.
- Muscular Strength fitness platform (Cybertron). Cross-platform mobile fitness app on Ionic + Node.js + MySQL with workout logging, progressive-overload routines, wearable device sync, and offline-first data capture.
- LPU Touch (Lovely Infotech). Official Lovely Professional University student-and-staff mobile app on Ionic + ASP.NET + MySQL covering academic workflows, internal messaging, assignment submission, and timetable access.
- Ionic & native Android (Fancymonk). Mobile-first UI patterns and native Android modules; hands-on Cordova plugin development and native bridge integration experience.
Systems built to
survive production
Enterprise platforms, regulated products, and AI-powered tools deployed at scale.
End-to-end re-architecture of India Mortgage Guarantee Corporation's Policy Administration System from legacy Oracle/VB.Net to event-driven microservices. 4-phase RBAC-gated loan workflow with 14 state transitions, MFA/OTP authentication, and full audit trail.
Production React Native app for Axis Max Life Insurance field agents and employees. Led framework upgrade delivering 25% cold-start improvement. Reusable component architecture adopted across all mobile squads under IRDAI release governance.
Enterprise React web portal for Axis Max Life group insurance business operations. Full feature ownership from API design through UI delivery, integrating with Java and Node.js backends for policy management and reporting workflows.
Node.js-powered HR chatbot deployed on AWS for Axis Max Life employees. Conversational interface for HR queries, policy lookups, and employee self-service. Built and maintained backend services supporting thousands of daily interactions.
HIPAA-compliant care-coordination platform for patient support networks. Earliest enterprise regulated-systems project — audit-trail patterns, protected-data handling, consent workflows on AWS. Foundation for later IRDAI and DPDP Act 2023 compliance work.
Official Lovely Professional University mobile app for the entire student and staff population. Academic workflows, internal messaging, assignment submission, and timetable access built on Ionic + ASP.NET + MySQL for campus-wide deployment.
Future-ready for
enterprise AI engineering
Hands-on with cloud AI services and agentic architectures, applied in enterprise contexts.
Experience building LLM-backed workflows integrated into enterprise platforms. Familiar with agentic patterns — tool-use, RAG, and multi-step task orchestration — applied to regulated business processes where auditability matters as much as capability.
Hands-on with AWS Bedrock for enterprise LLM integration within existing AWS infrastructure. Applied in the Ely HR Chatbot context and in architectural planning for IMGC's modernization roadmap to support AI-assisted document processing.
Understanding of what makes AI viable in regulated domains — data lineage, model observability, audit logging, consent management, and output validation. BFSI/Insurtech compliance background maps directly to AI governance requirements.
The IMGC PAS modernization creates the foundation for AI augmentation — structured PostgreSQL schemas, Kafka event streams, and clean microservice APIs are the prerequisite for effective ML feature pipelines and LLM-backed underwriting assistance.
Architecture Philosophy
I design systems with evolutionary architecture in mind — every layer should be replaceable, observable, and AI-augmentable. The IMGC PAS modernization follows this principle: schema-per-service isolation, Kafka event backbone, and clean API surfaces that can accept AI components without re-architecture.
Security and compliance are load-bearing constraints, not afterthoughts. Data access patterns, audit requirements, and consent workflows are designed in at the schema level — not bolted on after the fact.
Academic foundation
Let's build
something remarkable
Lead Full-Stack Engineer with 8+ years in BFSI & Insurtech, currently open to senior engineering, solution architect, and engineering leadership roles. Based in New Delhi — open to remote, hybrid, and relocation.