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About

Salil Chincholikar

Senior Software Engineer with 5+ years building fintech, AI-driven, and cloud-native systems.

Salil Chincholikar — Senior Software Engineer
Pune, India
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I started my career at IBM working on large-scale banking systems, where I learned the realities of reliability, supportability, and operating software in regulated environments.

I later joined Kapittx, where I focus on fintech automation, enterprise integrations, reconciliation platforms, and AI-powered financial workflows.

Today, alongside consulting for international clients, I work at the intersection of fintech, distributed systems, enterprise integration, and AI automation — with the long-term goal of growing into a Solution Architect role.

Selected Impact

~1 month → <10 min

AI document workflows collapsed a 20-person team’s monthly effort to minutes for 1–2 operators.

~95%

Lower ingestion & transfer costs after replacing external pipelines with an AWS-native SFTP platform.

~80%

Less resource consumption after redesigning serverless invoice pipelines (millions of invoices / month).

Serving 40+ enterprise customers · thousands of users · millions of invoices monthly.

Timeline

  1. Present
    Toward Solution Architecture

    Working at the intersection of fintech, distributed systems, enterprise integration, and AI automation — and writing about the patterns behind them.

  2. May 2023 – Present
    Software Engineer · Kapittx

    Fintech automation: AI-driven financial workflows, an AWS-based SFTP integration platform, serverless invoice pipelines at millions/month, and three-way reconciliation across ERP, CRM, banking, and payment gateways.

  3. Oct 2022 – Present
    Independent Software & AI Consultant · Freelancing

    Software architecture, cloud platforms, and AI solutions for international clients — multi-tenant SaaS, agentic AI, and RAG pipelines.

  4. Jun 2021 – Apr 2023
    Application Developer, Cloud Full Stack · IBM

    Built Java/Spring Boot services on a Pan-Baltic banking platform; performance and microservices work across a polyglot enterprise stack, with L2/L3 support for mission-critical regulated systems. Where I learned the realities of reliability and operating software in regulated environments.

  5. May 2020
    B.E. in Information Technology · Savitribai Phule Pune University

    Engineering graduation — foundations in software and systems.

Outside of work I enjoy building side projects, exploring AI systems, playing guitar, and experimenting with hardware and maker projects.