Summary
Overview
Work History
Education
Skills
Languages
Disclaimer
Timeline
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Jagraj Singh

Cambridge,Canada

Summary

Developer with over 9 years of experience in creating enterprise-level web applications and managing complex integrations within the FinTech mortgage industry. Specializes in SDLC execution, automation, system design, and performance optimization. Successfully implemented credit bureau integrations, fraud detection workflows, and loan document automation, enhancing underwriting speed and borrower satisfaction. Focused on delivering scalable code and mentoring teams to improve engineering efficiency and product reliability.

Overview

10
10
years of professional experience

Work History

Full Stack Developer

Mortgage Automator - BVP Forge
Toronto, Ontario
06.2022 - 11.2025
  • Architected and maintained PHP(backend) and JavaScript(frontend) based, MVC-driven mortgage platform with extensive third-party integration ecosystem—including Inverite, OSC Insurance, Xactus Flood/Fraud Detection, and FCT Title Search—significantly improving underwriting automation, data reliability, and operational efficiency.
  • Implemented secure Equifax and TransUnion credit bureau integrations for real-time credit retrieval, reducing borrower risk evaluation time, and increasing underwriting accuracy.
  • Leveraged Augment AI for assisted development, and CodeRabbit for automated code reviews, accelerating delivery cycles and improving code quality.
  • Built a queue-based processing framework to handle long-running financial and compliance operations, improving platform performance, stability, and throughput.
  • Developed a centralized master-control module in PHP and MySQL that standardized all third-party communication, ensuring consistent data flow, error handling, and recoverability across the platform.
  • Led development of dynamic lead-intake and borrower-onboarding workflows using PHP, JavaScript, HTML, and CSS, improving data integrity, reducing friction, and increasing conversion rates.
  • Developed integrated email and notification systems that streamline communication between internal teams, borrowers, brokers, and investors.
  • Actively used Git for version control, and Postman for API testing and validation.
  • Built a flexible email template management framework, enabling business teams to manage and customize messaging without requiring engineering involvement.
  • Contributed to user-friendly borrower and investor portals, enhancing transparency, self-service capabilities, and overall user experience.
  • Engineered a scalable, rules-driven pricing engine that calculates borrower eligibility and generates precise product pricing for loan officers, supporting high-volume lending operations.
  • Implemented platform-level configuration modules, allowing administrators to toggle features, manage business rules, and control system behavior without code changes.
  • Utilized Docker and Linux-based environments for local development and deployments, with Cron jobs handling scheduled tasks and system automation.
  • Collaborated with product, operations, and underwriting teams using Jira, Confluence, and Slack to deliver business-critical features efficiently.

Software Developer

Response IQ Technologies Pvt Ltd
SAS Nagar, India
01.2020 - 07.2021
  • Designed and deployed automation tools using Core PHP, jQuery, and Node.js to streamline workflows, improve system responsiveness, and boost overall operational efficiency.
  • Contributed to Agile/Scrum environments, supporting rapid delivery cycles and continuous improvement.
  • Developed clean, reusable in Core PHP, JavaScript, and jQuery, adhering to industry best practices and modern development standards.
  • Collaborated with peers to optimize system performance, coordinated with VoIP integrations team by proving REST APIs, and conducted thorough debugging for improved stability.

Sr. Software Developer

Kodion Softwares Pvt Ltd
SAS Nagar, India
10.2017 - 12.2019
  • Developed an intuitive CRM platform using Laravel (PHP framework), JavaScript, and jQuery to enhance lead tracking and streamline communication.
  • Collaborated with DIGIPRO MEDIA on innovative web solutions and digital strategies.
  • Diagnosed complex website issues, implementing performance optimizations and UI/UX improvements that enhanced system reliability, responsiveness, and overall user experience.

Software Developer

Debut Infotech Pvt Ltd,
SAS Nagar, India
07.2015 - 02.2017
  • Managed end-to-end delivery of five web-based software projects, overseeing development across PHP, HTML, and JSON-based APIs, ensuring on-time and under-budget completion.
  • Developed high-performance, interactive web applications using PHP, Laravel, CakePHP, and HTML, CSS, driving increased traffic, engagement, and page views.
  • Maintained high code quality and development standards, ensuring reliability, scalability, and maintainability across PHP applications deployed on Apache servers.

Education

Bachelor of Technology - Computer Science

Baba Banda Singh Bahadur Engineering College
Fatehgarh Sahib, Punjab
11-2013

Skills

Programming and APIs

  • PHP, JavaScript, Python
  • RESTful APIs, Webhooks
  • OAuth2, JWT, and API authentication

Frameworks & Libraries

  • Laravel, CakePHP
  • jQuery, AJAX
  • Bootstrap, Tailwind CSS

Web technologies

  • HTML, CSS, JSON, XML
  • Mvc architecture

Databases

  • MySQL
  • Schema design, optimization, indexing
  • Complex SQL queries, migrations

Cloud, DevOps & Infrastructure

  • Docker, Linux
  • Nginx, Apache
  • Cron jobs, scheduled tasks
  • CI/CD (GitHub Actions, Bitbucket)
  • Queue systems (Redis)

Testing & Quality

  • PHPUnit, Integration Testing
  • Postman
  • Debugging, performance profiling
  • Automated code reviews (CodeRabbit)

AI-Augmented Development

  • Augment AI (code generation)
  • ChatGPT / AI-assisted productivity
  • Automated refactoring tools

Version Control & Collaboration

  • Git, Bitbucket
  • Confluence, Trello, Slack
  • Code reviews, Agile/Scrum

FinTech & Mortgage Expertise

  • Mortgage underwriting workflows
  • Loan Origination System (LOS) development
  • Pricing engine development
  • Borrower & investor portals
  • Credit bureau integrations (Equifax, TransUnion)
  • Fraud/verification integrations (Inverite, Xactus, OSC, FCT)
  • Document generation automation
  • Feature toggle/configuration systems

System Architecture & Operations

  • Scalable integration pipelines
  • Centralized control of third-party integrations
  • Error handling, monitoring
  • Technical documentation & system design

Operating Systems & Environments

  • macOS, Windows, Ubuntu
  • WAMP, LAMP
  • Command-line tools & environment management

Languages

English, Punjabi, Hindi

Disclaimer

I solemnly affirm and declare that the above given information is correct and best of my knowledge. [Jagraj Singh]

Timeline

Full Stack Developer

Mortgage Automator - BVP Forge
06.2022 - 11.2025

Software Developer

Response IQ Technologies Pvt Ltd
01.2020 - 07.2021

Sr. Software Developer

Kodion Softwares Pvt Ltd
10.2017 - 12.2019

Software Developer

Debut Infotech Pvt Ltd,
07.2015 - 02.2017

Bachelor of Technology - Computer Science

Baba Banda Singh Bahadur Engineering College

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