Shubidha Case Study

First end-to-end digital lending platform in Bangladesh enabling real-time loan approvals.

Background

As lead backend developer for Shubidha, I built the core services powering the first end-to-end digital lending solution in Bangladesh.

Designed event-driven microservices with Kafka for asynchronous task orchestration.
Implemented APIs + background workers for NID, CPV, Dedup, Sanction, CIB, and Loan Decision workflows.
Developed Bangladesh’s first digital signature facility in Shubidha, enabling secure eKYC/eContract signing within the app.
Deployed high-throughput, low-latency architecture with Redis caching and PostgreSQL storage.
Introduced health monitoring, alerting & automated retries for resilience.

Authored service contracts and API gateway routing for secure request handling.
Implemented lending flow orchestration: application → verification → scoring → approval → disbursement.
Built and integrated the country’s first digital signature facility for secure in-app e-document signing on Shubidha.
Led design of CPV API for merchant verification streamlining contact verification.
Mentored team on clean code, automation, and scalable architecture patterns.

Client Apps

Mobile/web UI for loan registration and status tracking.

API Gateway

Central routing, context-based authentication, and rate limiting.

Verification & Auth

NID/CPV stacking, sanction check, and session token issuance.

Loan Engine

Rules engine for credit score, risk evaluation, and decision making.

Event Bus (Kafka)

Async workflow orchestration, retries, and decoupled microservice events.

Persistence

Redis cache + PostgreSQL for low-latency transactions and durable records.

Average loan approval time

Service uptime

Users onboarded

TAT reduction