Available for technical leadership roles

Apurva Das:
Technical Lead, API Platforms & Distributed Systems.

8+ years of engineering excellence, bridging the gap between complex architecture and seamless product delivery.

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8+
Years experience
16+
Partner integrations
1st T2 Bank
Open Finance, UAE
Abu Dhabi
Based in
Current — Wio Bank PJSC

Building the API-first bank of the UAE.

Leading API platforms, Open Finance, and Embedded Finance initiatives at Wio — the UAE's first digital-native bank — from architecture through production.

Industry First
OPEN FINANCE

First Tier-Two Bank in UAE

Led Open Finance from architecture through production — integrations with Lean and Pay10, aligning regulatory, product, and engineering requirements.

16+
BAAS ECOSYSTEM

16+ Partner Integrations

Network International, Kavak, Zoho, Qlub, Cars24 and more — expanding Wio's BaaS ecosystem across payments, accounting, and lending.

Gov-grade
GOVERNMENT

TAMM Interoperability

Delivered TAMM integration to extend seamless interoperability between Wio and UAE government services.

API-first
EMBEDDED FINANCE

API-First Partnerships

Banking-as-a-Service capabilities enabling partners to embed accounts, payments, and lending into their platforms via secure APIs.

Mobile + Web
ONBOARDING

KYC Across Mobile & Web

Built and launched account registration and KYC journeys, partnering with product, compliance, and design to align with UAE banking regulations.

Secure by design
OAUTH / OIDC

Secure API Platforms

Hardened authentication and authorization across partner-facing APIs — OAuth, OIDC, API gateway, circuit breaker, saga.

Philosophy

The product-minded engineer.

Great platforms aren't just architected — they're aligned. I work at the seam where Product, Compliance, Design, and Engineering meet.

Product-Minded

Engineering decisions weighed against user value, regulatory reality, and business outcomes — not just architectural elegance.

Cross-Functional

Aligning product, compliance, design, and engineering so the right thing ships, not just the easy thing.

Architecture to Production

Owning the full lifecycle — from system design and partner contracts through delivery, observability, and operational health.

The Toolbelt

Tools that ship distributed systems to production.

Built around Java, Spring Boot, and event-driven architecture — battle-tested across regulated finance, healthcare connectivity, and global travel platforms.

Core Engineering

  • Java
  • Spring Boot
  • Spring Cloud
  • Microservices
  • Kafka
  • REST APIs
  • Event-Driven
  • Hibernate

Cloud & DevOps

  • AWS
  • Azure
  • Kubernetes
  • Docker
  • Jenkins
  • Azure DevOps
  • Gradle
  • Maven

Platforms & Patterns

  • Open Finance
  • Embedded Finance
  • BaaS
  • OAuth / OIDC
  • API Gateway
  • Circuit Breaker
  • Saga
  • Distributed Systems

Data & Observability

  • SQL
  • MongoDB
  • Oracle
  • Kibana
  • Datadog
  • JProfiler
  • Postman
  • JUnit / Mockito
The Journey

From travel platforms to healthcare to regulated finance.

Eight years across three industries — each one teaching how complex systems actually meet real people.

  1. Nov 2022 — Present·Abu Dhabi, UAE

    Technical Lead (Acting)

    Wio Bank PJSC

    Leading API platform and Embedded Finance initiatives at the UAE's first digital-native bank.

    • Led the Open Finance initiative end-to-end — architecture through production — making Wio the first tier-two bank in the UAE to deliver Open Finance.
    • Owned BaaS delivery, enabling partners to embed Wio accounts, payments, and lending via secure APIs.
    • Delivered TAMM integration for seamless interoperability with UAE government services.
    • Successfully led 16 partner integrations across payments, accounting, and lending.
    • Launched account registration and KYC journeys across Wio mobile and web.
  2. Mar 2021 — Nov 2022·Bengaluru, India

    Senior Software Engineer

    CitiusTech Healthcare

    Built connectivity infrastructure translating proprietary medical device protocols into HL7 for EMRs.

    • Delivered a connectivity service translating proprietary device protocols into HL7, enabling reliable data flow into EMRs and Health Information Systems.
    • Implemented core Java modules from architect-led designs, turning platform requirements into maintainable production components.
    • Containerized and automated builds and deployments with Gradle and Docker.
    • Wrote comprehensive JUnit and Mockito test suites supporting reliability and continuous delivery.
  3. Nov 2017 — Mar 2021·Bengaluru, India

    Software Engineer

    IBS Software Services

    Delivered features end-to-end across Expedia products including PPO, Chains, and the Private Label Platform.

    • Delivered end-to-end features across Expedia products: PPO, Incident Tracker Tool, Chains, and Private Label Platform.
    • Owned implementation across frontend and backend, balancing feature delivery, bug fixes, and support.
    • Triaged incidents and shipped fixes to keep customer-facing travel platforms reliable at scale.
Post-Graduate Diploma, International Business
Indira Gandhi National Open University
2021 — 2022
B.E., Computer Science
Chitkara School of Engineering & Technology
2013 — 2017
Let's build something

Have an API platform, partner integration, or Embedded Finance product on the roadmap?

I'm open to senior engineering and technical leadership opportunities. Reach out — I read every message.

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