Chinmay Tayade
“I design for the failure case first.”
Founding Mobile Engineer — Android, Kotlin, Jetpack Compose, Kotlin Multiplatform
transferpending→syncing→confirmedno signal — queued, retrying with backoff + jitter
Founding mobile engineer with four years taking consumer fintech from an empty repository to millions of users. Sole Android engineer at Bachatt, where I architected and shipped the app end to end through public launch and a $12M Series A. Deep Android, Kotlin and Compose expertise with production Kotlin Multiplatform, offline-first architecture and mobile security.
5M+downloads
3M+users
4.6★rating
$12M Series Araised
4+ yrsexperience
Summary
I build mobile products that behave correctly when things go wrong — when the network drops mid-transfer, when two writers touch the same balance, when a retry storm would make a bad day worse. Four years of that has been in fintech, where the failure case is the product.
Founding mobile engineer with 4+ years taking consumer fintech from an empty repository to millions of users. Sole Android engineer at Bachatt — architected and shipped the app end to end through public launch and a $12M Series A. Deep Android/Kotlin/Compose expertise with production Kotlin Multiplatform, offline-first architecture, and mobile security.
Experience
2022 — presentFounding Mobile Engineer
Mar 2025 — PresentBachatt (Trusave Fintech Pvt Ltd) · Gurugram · consumer savings & wealth platform · backed by Accel, Lightspeed, Info Edge Ventures
- Sole mobile engineer: built and own the Android app from an empty repository through public launch, seed round, and a $12M Series A — now 5M+ downloads, 3M+ users, 4. 6-star rating.
- Own the full mobile stack end to end: Kotlin, Jetpack Compose, multi-module Clean Architecture, MVVM/MVI, Coroutines/Flow, Hilt, Room — plus Play Console releases, Crashlytics monitoring, and production on-call.
- Introduced Kotlin Multiplatform into the live product: moved domain, data, and repository layers into a shared module across Android and iOS, cutting duplicated logic and feature delivery time by ~40%.
- Designed the offline-first architecture — local relational schema (SQLDelight) and sync engine (Ktor) — keeping the app fully usable on unreliable networks.
- Acted as de facto product manager: ran customer discovery with 100+ merchants, wrote the specs, and set the roadmap with no dedicated PM.
- Built CI/CD from scratch (GitHub Actions + Fastlane), held 85%+ automated test coverage, and hired and mentored the first engineers.
KotlinComposeKMPoffline-firstSQLDelightKtor
Product Engineer, Android & iOS
Apr 2022 — Feb 2025Indepay (Setara Networks) · Gurugram · enterprise payments network · promoted from intern to full-time within 3 months
- Designed and built a cross-platform Payment SDK (Android + iOS) for a live network of 10,000+ merchants — improved transaction success rate by ~35%.
- Led a shared encryption library (Kotlin, Swift, Flutter): Keystore/Keychain-backed key handling, certificate pinning, OAuth 2. 0/JWT.
- Cut crash rate by ~60% and improved app performance by ~45% through systematic profiling and memory analysis; owned Firebase Crashlytics and Analytics.
- Optimised authentication (OAuth, biometric, JWT) and added WebSocket real-time updates, cutting transaction processing time by ~20%.
Payment SDKSwiftFlutterencryptionOAuth
Flagship work
all original, all with tests and CIin progressretail digital banking Multi-module Kotlin/Compose banking app. Foundation shipped: convention plugins, a currency-safe domain layer with tests, Hilt-wired app, green CI. Next up: the offline transfer state machine behind WorkManager, biometric Keystore, cert pinning.
kotlincomposemulti-moduleoffline-firstfintech
in progressshared Kotlin core, Android + iOS One financial core (valuation, cost basis, allocation) shared via Koin, with fully native Compose and SwiftUI UIs. Domain and tests done, Android app runs, iOS framework links. Ships SHARING.md — the module-by-module share-vs-native argument.
kmpcomposeswiftuikoinios
shippedon-device + cloud notes assistant A real RAG pipeline in pure Kotlin — sentence-aware chunking, embeddings, cosine retrieval — and a routing policy that keeps short lookups on-device and only escalates to the cloud when the task needs it. 12 tests, Compose app.
on-device-ailitertragcompose
shippedAndroid architecture template Gradle convention plugins so a module build file is ~2 lines, plus a checkModuleGraph task that fails the build on module-graph violations — verified against a real core-to-feature edge.
gradleconvention-pluginsarchitectureci
shippedKMP analytics & attribution SDK A self-contained Kotlin Multiplatform SDK that replaces CleverTap + AppsFlyer — durable event queue, push/in-app campaigns, install attribution, and a client-side PII denylist. Android + iOS from one codebase.
kmpanalyticsattributionsdkkotlin
The failure case
offline transfer state machineThe user taps Send with no signal. A serious banking client does not spin, and does not lie — it persists the intent, shows the truth, and reconciles later. This is the state machine that sits behind that, extracted as a standalone library and wired into the banking app.
| State | Means | Transition |
|---|
| pending | Local intent recorded. An opId is assigned before any network attempt. | Created on submit, once local validation passes. |
| syncing | A worker is attempting the request against the server. | Picked up by WorkManager once network is available. |
| confirmed | Server accepted the operation — 2xx with a server id. | Terminal success. |
| conflict | Server returned 409 — two writers touched the same state. | User re-applies, returning to pending, or cancels to failed. |
| failed | Terminal and non-retryable. | 4xx immediately, or 5xx and IO once the backoff ceiling is hit. |
Idempotency key generated before any network attempt. Backoff with full jitter on retry. Conflict resolution decided per operation type — not one global rule. offline-sync-engine (9 tests, standalone) → wired into argent-android behind WorkManager.
How I build
every repo, same six stepsNo exceptions — including the ones nobody is grading.
01
Scaffold
Repo, convention plugins, CI wired before feature code.
02
Build green
./gradlew build passes before a single feature lands.
03
Feature commits
Small, honest history — no big-bang dumps.
04
Tests
Ships with the feature, not bolted on after.
05
CI
GitHub Actions gate on every push.
06
README
Documented before it counts as done.
Teaching repositories
a wiki and a runnable example per stageFive repositories that teach Android in order, each pairing written explanation with code that runs.
Coroutines through real Android examples — network calls, Room, timeouts and error handling.
Flow through real Android examples — operators, network, search, retry and error handling.
MVVM the modern way — Kotlin, Dagger, Retrofit, Coroutines, Flow and StateFlow.
A stage-by-stage roadmap from Kotlin fundamentals to shipping on the Play Store.
An interactive Java to Kotlin cheat sheet — every concept side by side, with the why.
Repository index
public repositoriesFintech libraries and modules
Double-entry accounting ledger for Kotlin Multiplatform — balanced journal entries, idempotent postings, currency-safe money.
Drop-in Compose payment sheet: card input with Luhn and network detection, a tokenization flow and a 3-D-Secure-style step-up. PCI-conscious by design.
A small, tested engine for offline-first mutations: durable operation queue, exponential backoff with jitter, pluggable per-operation conflict resolution.
Ktor HttpClient factory built around token refresh — refresh-on-401 with careful 401/403/5xx classification, optional-bearer auth, pure unit-tested refresh policy.
Pure-Kotlin payment-checkout state machine (three MVI reducers) — centralized type config, runtime SIP bank-switch resolution, zero Android/Compose deps.
Pure-Python credit-underwriting policy core — loan-amount policy (FOIR cap), score eligibility, and decile-direction-aware risk banding.
Security, performance and craft
Mobile-security building blocks with writeups: Keystore-backed encryption, BiometricPrompt with CryptoObject, log and PII redaction, certificate pinning, HMAC signed deep links.
Performance measurement infrastructure: Baseline Profiles and Macrobenchmark, with a methodology that reports device, build type and iteration count.
Small, honest Compose experiments — a custom layout, a recomposition study with real counts, a gesture component.
Applications
Offline-first product catalog for Android, iOS and web — one Compose Multiplatform codebase.
Android video and audio downloader — Compose UI, foreground download service, yt-dlp engine via Chaquopy.
Personal finance and expense management app built with Kotlin and Jetpack Compose.
Productivity task manager built with Kotlin and Jetpack Compose.
This site — Next.js, Tailwind, GitHub-driven project list.
Machine learning, vision and robotics
RSA encryption and decryption library for native application development, in Swift.
Automatic licence plate recognition using computer vision and machine learning.
Iris recognition using deep learning methods on JPEG-compressed images.
Hardware trojan detection in IC designs using ML and deep-learning models, with an IEEE-style report.
CNN-based object detection and grasping by a robot.
How a robot can visualise and see objects in the real world.
Three-link planar robot manipulator.
Data mining project on prediction of diabetes.
Supply chain modelling with data mining techniques.
An e-sanitization app initiative for clean and ideal cities.
Network security projects.
Stack
languages
KotlinJavaSwiftDartPythonSQL
android
Jetpack ComposeCoroutines / FlowViewModelRoomDataStoreWorkManagerNavigationPaging 3RetrofitOkHttpHilt / DaggerMaterial 3
kmp & ios
KMP/KMMKtorSQLDelightKoinCompose MultiplatformSwiftUISwift ConcurrencySKIE
architecture
Clean ArchitectureMVVMMVImulti-moduleoffline-firstRepository patternSOLID
testing & ci/cd
JUnitMockKTurbineEspressoCompose UI TestTDDGitHub ActionsFastlane
security
Android KeystoreBiometricPromptcertificate pinningOAuth 2.0JWTAES-GCM
ai & cv
on-device LLM inferenceRAG / embeddingsYOLOOpenCVTensorFlowPyTorch
Education
B.Tech, Information Technology
2018 — 2022Indian Institute of Information Technology (IIIT) Allahabad
ANABIN H+ (equivalent to a German Bachelor) · coursework: Machine Learning, Computer Vision
English (full professional), German (A2, in progress). Open to relocation · immediate availability.