Software Engineer at Ipotekabank
Uzbekistan
Radjabov Rakhmon
Council Member
Radjabov Rakhmon is a software engineer with over six years of experience in financial technology, backend systems architecture, and loan platform development, currently based in Uzbekistan. He brings deep expertise in building and scaling core banking infrastructure across some of the region's most prominent financial institutions, with a particular focus on credit systems, microservices, and high-availability backend engineering.
Since March 2023, Radjabov Rakhmon has served as a Software Engineer at Ipotekabank OTP Group, where he has taken on a broad and consequential scope of work across the bank's lending infrastructure. His end-to-end renovation of the online cash loan system produced a 2.5x increase in sales and positioned Ipotekabank as the industry leader in microloans in the Republic of Uzbekistan. He implemented a flexible Nx monorepo service change detection and deployment pipeline with full test coverage, a rollback system, and comprehensive logging, significantly modernizing the bank's DevOps practices. On the performance side, he reduced loan decision-making time from over 32 seconds per client to under 18 seconds, improving platform availability and reducing queue pressure in the mobile application backend. He also architected the Loan Platform's Master Data Management system, aggregating user activity across office, mobile, and web channels into a unified user store to support compliance with regulatory requirements. His integration of the Decision Making System included backward compatibility, traffic management between legacy and new scoring engines, and a failure and timeout tracking mechanism for uninterrupted availability. Through a rules-based validation framework applied before scoring and disbursement, he reduced problematic loan disbursements from 5% per day to under 0.2%.
Prior to Ipotekabank, Radjabov Rakhmon worked as a Full-Time Software Engineer at EPAM Anywhere from July 2022 to February 2023. There he led the migration of multiple microservices to an OpenAPI document-first approach, establishing versioning standards and full test coverage across the updated applications. He also refactored monolithic configuration services into a multi-module configuration hub, enabling flexible, conflict-free configuration management across services.
From December 2020 to June 2022, he held a Software Engineer role at JSCB Kapitalbank, where he delivered a series of high-impact improvements across the bank's consumer application. He reduced transaction history search time from ten seconds to an average of 0.2 seconds through targeted indexing and storage optimization. He automated the reconciliation process for state services payments and large merchants, built an in-app microloan API for real-time application submission and status tracking, implemented full in-app search across merchants and application functions, and developed an aggregated cashback system with per-merchant configuration and virtual wallets per user.
Since March 2023, Radjabov Rakhmon has served as a Software Engineer at Ipotekabank OTP Group, where he has taken on a broad and consequential scope of work across the bank's lending infrastructure. His end-to-end renovation of the online cash loan system produced a 2.5x increase in sales and positioned Ipotekabank as the industry leader in microloans in the Republic of Uzbekistan. He implemented a flexible Nx monorepo service change detection and deployment pipeline with full test coverage, a rollback system, and comprehensive logging, significantly modernizing the bank's DevOps practices. On the performance side, he reduced loan decision-making time from over 32 seconds per client to under 18 seconds, improving platform availability and reducing queue pressure in the mobile application backend. He also architected the Loan Platform's Master Data Management system, aggregating user activity across office, mobile, and web channels into a unified user store to support compliance with regulatory requirements. His integration of the Decision Making System included backward compatibility, traffic management between legacy and new scoring engines, and a failure and timeout tracking mechanism for uninterrupted availability. Through a rules-based validation framework applied before scoring and disbursement, he reduced problematic loan disbursements from 5% per day to under 0.2%.
Prior to Ipotekabank, Radjabov Rakhmon worked as a Full-Time Software Engineer at EPAM Anywhere from July 2022 to February 2023. There he led the migration of multiple microservices to an OpenAPI document-first approach, establishing versioning standards and full test coverage across the updated applications. He also refactored monolithic configuration services into a multi-module configuration hub, enabling flexible, conflict-free configuration management across services.
From December 2020 to June 2022, he held a Software Engineer role at JSCB Kapitalbank, where he delivered a series of high-impact improvements across the bank's consumer application. He reduced transaction history search time from ten seconds to an average of 0.2 seconds through targeted indexing and storage optimization. He automated the reconciliation process for state services payments and large merchants, built an in-app microloan API for real-time application submission and status tracking, implemented full in-app search across merchants and application functions, and developed an aggregated cashback system with per-merchant configuration and virtual wallets per user.
Earlier in his career, Radjabov Rakhmon spent a brief tenure at Mayasoft LLC from September to November 2020, where he built a centralized authentication and authorization service with session and device management for a microservice ecosystem, and developed a multi-bank credit scoring API client that delivered detailed scoring output for business clients across participating banks. Before that, at UC Marokand from August 2019 to September 2020, he contributed to large-scale software migrations, implemented new backend APIs to replace legacy MVC systems, and developed an original UI component library aligned with the company's brand guidelines.
Radjabov Rakhmon was recognized with the "Ipoteka Superstar" award at Ipotekabank OTP Group in acknowledgment of his contributions to the organization. He holds certificates in Programming with Google Go from the University of California, Irvine; Object-Oriented Design from the University of Alberta; and Development on Modern C++ from the Moscow Institute of Physics and Technology. He is currently pursuing a Master of Science in Computer Science at the University of Colorado Boulder, with coursework in Foundations of Autonomous Systems, Dynamic Programming, and Natural Language Processing, and he earned his Bachelor's degree in Applied Mathematics and Computer Science from Moscow State University (Lomonosov) in Tashkent, Uzbekistan, in 2019. His technical expertise spans Java, TypeScript, Node.js, NestJS, PostgreSQL, Redis, Kafka, Docker, Kubernetes, and monorepo tooling with Nx.
Radjabov Rakhmon was recognized with the "Ipoteka Superstar" award at Ipotekabank OTP Group in acknowledgment of his contributions to the organization. He holds certificates in Programming with Google Go from the University of California, Irvine; Object-Oriented Design from the University of Alberta; and Development on Modern C++ from the Moscow Institute of Physics and Technology. He is currently pursuing a Master of Science in Computer Science at the University of Colorado Boulder, with coursework in Foundations of Autonomous Systems, Dynamic Programming, and Natural Language Processing, and he earned his Bachelor's degree in Applied Mathematics and Computer Science from Moscow State University (Lomonosov) in Tashkent, Uzbekistan, in 2019. His technical expertise spans Java, TypeScript, Node.js, NestJS, PostgreSQL, Redis, Kafka, Docker, Kubernetes, and monorepo tooling with Nx.