Backend & distributed systems
Loan journeys, credit-bureau risk engines, lead routing and event-driven notification pipelines — services that move money-adjacent data and cannot drop a message.
Hiring? I build systems that can’t be wrong
नमस्ते, I’m
Ratnesh Maurya
Backend & AI engineer at Initializ · Gurugram, India
I build the backends that lending and enterprise platforms run on — Go and Elixir services, Postgres, Kafka, Kubernetes — and the AI agents on top of them: MCP tool servers, tool-calling agent loops and RAG pipelines that do real work, not just chat.
3+ yrsshipping production backends
2,200+commits across Initializ & Nestara repos
1,436commits to the Nestara lending backend — #1 committer
6.2k linesopen-source PR to Forge, the agent runtime
01 · What I do
Backends, and the agents on top.
Three things I get hired for. Most of my work lives in the first two at once.
AI agents & orchestration
Agents that call real tools: MCP servers, hand-written tool-calling loops, typed pydantic-ai agents where the model never does the arithmetic, A2A agents and RAG over Qdrant.
Platform & reliability
Kubernetes operators, secret management, and the observability that finds the leak before users do.
02 · Selected work
Things running in production.
Client and company work first; side projects below. Most client repos are private — links go to what is public.
Client platform · LendingSep 2024 — present
Nestara — the lending backend, its CRM, and the AI on top
Nestara helps home buyers get loans from many lenders. I’m the top committer on the backend that runs it and I created the CRM its sales team works in every day.
- Loan journeys, lender offers and DSA routing in Elixir/Phoenix on Postgres, with Oban and Redis job queues.
- A unified CIBIL + Experian bureau report and risk verdict.
- Nestara OneCRM: lead workspace, calling workflow, analytics.
- An MCP tool server and a typed pydantic-ai agent for loan advice.
1,436backend commits, #1 of the team
19journey events in the notification pipeline
2credit bureaus merged into one verdict
5repos: API, CRM, panel, web, app
AI agent2026
Ask Nestara AI — an agent that never does maths
A pydantic-ai agent that must call a typed calculator command before it can answer. Exact-Decimal EMI, eligibility and balance-transfer engines with reverse solvers; rate limits, token budgets and a circuit breaker around the model.
Open sourceinitializ/forge · 2026
Forge — WhatsApp channel for the agent runtime
Added WhatsApp as Forge’s fourth channel, in pure Go: QR pairing state machine, closed-by-default admission, a dedup ring as the reply-loop guard, and 16 end-to-end pipeline tests. Also fixed tool entrypoint resolution in the runtime.
AI orchestration2025
Loan-advisor MCP server + agent client
A FastMCP server exposing lender-offer, comparison, EMI and email-drafting tools, and a hand-written OpenAI tool-calling loop over MCP Streamable HTTP with one session per lead.
AI agentInitializ · 2026
LogsRCAAgent — root cause from robot logs
An A2A-protocol agent in Go that finds why warehouse robots stopped: concurrent multi-pass log parsing, token-budgeted LLM batches, findings in Qdrant and MongoDB. RCA turnaround down 60%.
Side projects
All projects and open source →
Personal Tracker
Habits, expenses, sleep and study in one PWA with its own analytics.
tracker.ratnesh-maurya.com
JSONic
Fast JSON formatting, validation and diffing on real payloads.
jsonic.ratnesh-maurya.com
Rehabify
Patient records and treatment tracking for de-addiction centres.
rehabify.ratnesh-maurya.com03 · Experience
Where I’ve worked.
B.Tech in Computer Science, AKTU (2020 — 2024), 8.0 CGPA.
Jul 2024 — PresentGurugram, India
Initializ
Software Development Engineer
Initializ builds AI-agent infrastructure. I split my time between Initializ’s own agent products and the Nestara lending platform, Initializ’s client.
Nestara (Loan Network Technologies) — lending platform, CRM & AI
Sep 2024 — present · 1,700+ commits- #1 committer on the Elixir/Phoenix lending backend (1,436 commits): loan-application journeys, lender offers, DSA lead routing, Hot/Warm/Cold lead priority, and an Oban-driven notification pipeline fanning out to WhatsApp, SMS, email and push.
- Bureau risk engine — merges CIBIL and Experian into one report and one verdict across DPD, credit events and enquiries.
- Created Nestara OneCRM (onecrm.nestara.in), the sales team’s CRM: lead workspace, calling workflow, credit cards and source-performance analytics, with encrypted API responses.
- Ask Nestara AI — a pydantic-ai agent forced to call typed EMI, eligibility and balance-transfer tools before it answers, so the model never does the arithmetic; rate limits, token budgets and a circuit breaker.
- Loan-advisor MCP server (FastMCP) with offer-comparison, EMI and email tools, plus a hand-written OpenAI tool-calling client keeping one MCP session per lead.
Initializ platform & agents
2024 — present- LogsRCAAgent — an A2A agent in Go doing root-cause analysis on warehouse-robot logs for GreyOrange: concurrent multi-pass parsing, token-budgeted LLM batches, results in Qdrant and MongoDB; cut RCA turnaround by 60%.
- Built a notification microservice on Kafka, Redis and Protobuf with idempotent consumers — 99.87% exactly-once delivery.
- RAG ingestion for Initializ Assistants (presigned S3 uploads, SharePoint/OneDrive connectors) and a fully self-hosted RAG + LLM chat platform on Ollama, Qdrant and MinIO.
- Profiled Go services with pprof, Prometheus and Grafana; found leaks and cut heap allocation by 30%.
Aug 2023 — Jun 2024Gurugram, India
Initializ
Software Developer Intern
- Built the Kubernetes secrets operator from scratch (CRDs, open source) and the secrets API behind it; update latency down 67%.
- Client-side encryption in TypeScript with the Web Crypto API for zero-knowledge secret storage.
- Top contributor to docs.initializ.ai (146 commits) — Docusaurus, Algolia search, SEO.
Mar 2023 — Aug 2023Remote
EMSEC
Software Developer Intern
- Flask REST APIs and an SSL-certificate scraping pipeline across 300+ domains.
04 · Writing
Notes from the backend.
I write about system design, Go and what I learn shipping — at Ratn Labs.
- 2026 / JULweb
New HTTP Method Just Dropped: Meet QUERY
HTTP finally has a QUERY method. Learn what RFC 10008 changes, why GET and POST fell short for complex searches, and how QUERY works — with simple examples.
- 2026 / APRsystem design
That Little Square Does a Lot: How QR Codes Actually Work
From the black-and-white squares on your pizza box to the split-second bank transfer — here's how QR codes and UPI payments actually work under the hood, explained without the j…
- 2026 / APRgolang
Go 1.26.2: Security Fixes, Regression Patches, Upgrade Playbook
A beginner-friendly and technical deep dive into Go 1.26.2: what changed, why it matters, and how to upgrade safely in production.
- 2026 / MARai
cursor-claude-personas: AI Domain Expert Personas in 30 Seconds
A free, open-source collection of 38 role-based AI persona packs for Claude Code, Cursor, and VS Code. Copy one folder into your project and your AI acts like a seasoned special…
05 · Contact
Let’s build something.
Hiring for backend or AI-platform work, or need a hand with an agent that has to be right? Email is fastest — I reply within a day or two.
hiratneshmaurya@gmail.com