Bharat Kalluri
I work with nonprofits, mission-driven teams, and startups: building products, improving systems, and turning messy operational work into software that helps people do more.
My background is in startup engineering, with 7+ years building products and systems in fintech.
Helped build Refyne from its earliest product through scale-up across earned-wage access, lending, UPI, underwriting, integrations, and data pipelines.
Started and led lending infrastructure and B2B integrations teams, working closely with customers, lenders, compliance teams, and company leadership.
5 years · 0 → 500+ companies · 8 million employees · Led teams of 5 and 3
Built an invoice-discounting platform end to end: product, backend, frontend, AWS infrastructure, monitoring, and production deployment.
Built underwriting and credit-decisioning systems, a rule engine, ETL pipelines, and collections tooling while working directly with risk leadership.
Consulting
I'm particularly keen to work with nonprofits and civic organizations, but collaborate with any team doing thoughtful, useful work.
Tell me about it →You have an idea, business problem, or internal workflow that needs software.
I can turn it into a working product: architecture, sensible technology choices, and implementation.
Systems accumulate complexity.
I find and fix problems making an application difficult to change, unreliable, expensive, or confusing.
Sometimes you need experienced thinking, not another pair of hands.
Architecture reviews, technology choices, prototypes, system design, infrastructure decisions, and technical second opinions.
I enjoy internal tools, automations, data systems, integrations, civic-tech projects, and prototypes.
Useful problems do not always fit a SaaS product or six-month roadmap.
Public-interest projects and useful experiments.
Data · Civic tech · Mapping
A public-interest data project making Bengaluru park information easier for residents and advocates to collect, explore, and understand.
View project →Computer science · Systems
An ongoing attempt to understand web stack by rebuilding parts from first principles: event loops, DNS, networking, and machinery underneath everyday software.
Explore From Scratch →Writing
Technical explanations and experiments, written for people who want to understand systems deeply.
Browse all writing →About
I'm Bharat, a software engineer based in Bengaluru.
I like understanding systems deeply, building useful things, and working on problems where software intersects with the real world.
Outside work, I'm usually reading, tinkering with a side project, self-hosting something unnecessarily, or disappearing into a computer game.
More about me →Start a conversation
I take on selected engagements with nonprofits, mission-driven organizations, and startups. If software could remove friction from your work, let's talk.