Now Solution Architect / Digital Transformation Officer, Nepal Life Insurance
I architect systems that move real money, and still ship the code.
Leading the digital transformation of a 90,000-user insurance platform, backed by nine years of hands-on .NET: a payment flow with zero duplicate transactions, and a database program that cut query latency in half.
- .NET 10
- C#
- ASP.NET Core
- EF Core
- SQL Server
- Oracle
- Azure
- OAuth2 / OIDC
- Docker
- CI/CD
- DDD
- TypeScript
- Python
- ML.NET
An architect who still ships,
not a slide-deck consultant.
Systems that handle real money, real users, and real regulatory scrutiny.
Rahul Karn, on the work
I build production systems alongside the engineers shipping them, which keeps the architecture honest and the migration plans buildable.
Solution architect and Digital Transformation Officer at Nepal Life Insurance, owning solution architecture and application-layer security for a platform of 90,000+ users. Before that, 9 years of hands-on .NET building, modernizing, and operating mission-critical platforms in insurance and financial services. I build new systems from the ground up, modernize legacy platforms onto modern .NET stacks, and bring data and AI thinking into core business workflows: underwriting, claims, payments, fraud, and predictive analytics.
Proven at scale across a 90,000-user platform, a ~50% database performance program, payment and asset management systems, and a 6+ engineer team coordinated through phased modernization.
Combining hands-on engineering with a completed MBA in Accounting & Finance (IGNOU, 2026) and an MSc in Data Science underway at Coventry, bringing the business and analytical depth that transformation work needs.
Off the clock I taught myself TypeScript and npm to ship grahan, an open-source sky engine verified against professional ephemeris software.
Based in Kathmandu, deep in Nepal's insurance infrastructure since 2018, working US-Eastern hours and shipping systems that handle real money, real users, and real regulatory scrutiny.
Every skill here,
backed by shipped work
Read each row left to right: the discipline and its stack, the production result it delivered, and where the evidence lives.
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Solution Architecture & Digital Transformation
DDD · Modular monolith · Cloud-ready services · C4 · ADRs · API & integration contracts90K+users on the platform I'm moving from monolith to modular, cloud-ready servicesCase Study 1
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.NET Platform Engineering
.NET 10 · .NET 8 LTS · C# · ASP.NET Core · EF Core · Web API · MediatR9 yrsof production C# and .NET, from WebForms migrations to ASP.NET Core servicesExperience
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Database Performance
SQL Server · Oracle · T-SQL · Execution plans · Indexing · DBA−50%query latency across Oracle and SQL Server; timeouts from 12+ a week to under 1Case Study 2
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Payments & Transaction Integrity
Idempotency · State machines · Reconciliation · Retries · Circuit breakers · Audit trails0 dupesduplicate transactions, with reconciliation cut from 2 days to real timeCase Study 3
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Security & Identity
OAuth 2.0 · OIDC · Duende IdentityServer · BFF · RBAC · OWASP Top 105K+agents on one RBAC model, alongside 85,000+ customers; now leading app-layer hardeningCase Study 1
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Engineering Leadership
Tech lead · Mentoring · Design reviews · RFCs · Code review · Agile delivery6+engineers coordinated through a phased modernization, shipping in parallelCase Study 1
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Cloud & Delivery
Azure · Docker · Terraform · CI/CD · Git Flow · OpenTelemetry2×release cadence, monthly to bi-weekly, with sub-hour incident detectionExperience
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Insurance & Finance Domain
Underwriting · Claims · Premium engines · Accounting · KYC · AML/CFT20+life insurance product lines on one premium calculation engineExperience
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TypeScript & Open Source
TypeScript · Node · npm · GitHub Actions · Signed provenance4.6″worst-case Sun-position error against Swiss Ephemeris in grahan v1.0Open Source
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Data & AI/ML
Python · pandas · scikit-learn · ML.NET · Semantic Kernel · RAGMScData Science & Computational Intelligence, Coventry; applied to fraud, claims triage, and underwritingEducation
Selected work,
in practice
Real problems, real constraints, real outcomes. Production systems handling regulated financial transactions, built and shipped, not slide-deck designed.
90,000-User Enterprise Portal: Monolith to Modular
Owned the technical design and build of the platform serving 90,000+ users across policy, claims, and agent workflows.
Legacy monolithic insurance platform couldn't scale, had no API layer, security was bolt-on, and adding features meant touching everything. 90,000+ users depended on it daily.
Defined bounded contexts using domain-driven design. Drew service boundaries around underwriting, policy admin, claims, and agent management. Designed API-first contracts with versioning. Implemented RBAC with Duende IdentityServer (OAuth2/OIDC, BFF pattern, reference tokens).
- Phased migration: monolith → modular monolith → microservices-ready (not big-bang)
- YARP reverse proxy as API gateway (lightweight, .NET-native)
- Domain-driven bounded contexts with explicit integration contracts
- OWASP Top 10 aligned security controls at every layer
- RBAC model supporting 5,000+ agents, 85,000+ customers, internal ops
- API versioning + backward compatibility policy (zero breaking changes)
Production platform serving 90,000+ users. New features ship without full regression. Security audit-ready. API ecosystem enables digital channel expansion. 6+ engineers working in parallel without stepping on each other.
~50% Database Performance Gain: Oracle & SQL Server at Scale
Systematic performance engineering across the insurance data layer, query latency reduced ~50%.
Insurance platform's database layer was the bottleneck. Premium calculation engine timing out during peak loads. Query response times degrading as data grew. DB CPU regularly hitting 90%+.
Ran a systematic database performance audit, captured execution plans, identified missing/redundant indexes, found expensive table scans in stored procedures, and mapped query patterns against actual workload.
- Rewrote critical stored procedures (eliminated cursor/loop patterns, moved to set-based operations)
- Redesigned indexing strategy based on actual query patterns (covering indexes for hot queries)
- Fixed parameter sniffing patterns where applicable
- Verified with actual execution plans + IO/time stats
- .NET side: reduced over-fetching (DTO shaping), async + cancellation tokens, connection pooling
- Set up SLO definitions + monitoring dashboards for ongoing regression detection
~50% reduction in query latency. Directly improved throughput for premium calculation engine across 20+ product lines.
Payment Architecture: Transaction Integrity, End to End
Owned the design and build of the payment flow: reliable payments with zero duplicates and full auditability.
Premium collections, policy payouts, and agent commissions all ran through one payment flow. It had no reconciliation and no idempotency, and failures were tracked in spreadsheets.
Designed end-to-end payment gateway integration with "nothing gets lost" principle. Mapped every transaction state, idempotency, reconciliation patterns, and complete audit trail logging.
- Idempotency keys on every payment request (prevents double-charge)
- Payment state machine: Initiated → Authorized → Captured → Settled / Failed / Refunded
- Webhook/callback flows with retry logic + exponential backoff + circuit breakers
- Automated reconciliation comparing gateway records with internal state
- Audit logging for regulatory compliance: immutable logs, correlation IDs
- Security: tokenization, avoid storing PAN, least privilege, secret management
After hours: grahan,
a sky engine on npm
grahan (ग्रहण, “eclipse”) is a zero-dependency TypeScript engine for astronomy, panchang, and the Bikram Sambat calendar. I learned TypeScript and npm from scratch to ship it, and wrote the reference answers before the formulas.
What it computes
Sun and Moon positions, sunrise and sunset, moon phases, and solar and lunar eclipses from 1900 to 2100. On top: a full panchang (tithi, nakshatra, yoga, karana, Rahu Kaal), birth charts, dashas and muhurta, and Bikram Sambat conversion for BS 1975–2200.
How it is verified
Fixtures come from Swiss Ephemeris 2.10 first, and the formulas are written to match them. Sun longitude lands within 4.6″, sunrise within 4.6 seconds, and every one of 909 eclipses is detected and typed exactly. The first test case was my own birth chart, cast by a jyotishi decades ago. It matches.
How it ships
Strict TypeScript and pure functions that run in Node 18+, browsers, and edge runtimes; the panchang engine is under 10 KB in a browser. Releases publish from CI through npm trusted publishing with signed provenance, so no long-lived token exists to leak.
Eight years, one insurer,
promoted twice
From junior officer writing premium engines to the solution architect leading Nepal Life's digital transformation, with the code still in hand at every step.
Solution Architect / Digital Transformation Officer
Nepal Life Insurance Co. Ltd. · Senior Officer · Kathmandu, Nepal
- Core team member driving the digital transformation of Nepal Life's insurance platform (90,000+ users), with ownership of solution architecture and application-layer security.
- Digital transformation: digitize policy issuance, claims, and agent/customer journeys; modernize the core platform from monolith to modular, cloud-ready services.
- Solution architecture: design and review system architecture, data models, and API/integration contracts across policy administration, underwriting, claims, and digital channels.
- Application security: lead security updates and hardening of the application layer (OAuth2/OIDC, RBAC, OWASP-aligned controls, audit logging).
- Lead development: guide the engineering team on delivery of new modules; own code review, Git Flow, and CI/CD standards.
Senior .NET Developer / Tech Lead
Nepal Life Insurance Co. Ltd. · Officer · Kathmandu, Nepal
- Lead developer for the company's core insurance platform: policy administration, underwriting, claims, and digital channels, serving 90,000+ active users.
- Shipped enterprise portal and API ecosystem with RBAC, OAuth2/OIDC authentication, and OWASP-aligned security controls.
- Drove database performance program: ~50% reduction in query latency across Oracle and SQL Server through indexing, execution-plan analysis, and stored-procedure refactoring.
- Designed payment gateway integration with idempotency keys, automated reconciliation, and audit logging, with zero duplicate transactions.
- Owned technical design reviews and authored RFCs covering data models, API contracts, and migration strategy for new modules.
- Established code review standards, Git Flow branching, and CI/CD pipelines, reducing release cycle from monthly to bi-weekly.
- Coordinated 6+ engineers through phased modernization (monolith → modular); mentored junior/mid-level developers on .NET Core, async patterns, EF Core performance, and clean architecture.
- Implemented observability stack (structured logging, health checks, performance counters) enabling sub-hour incident detection on production workloads.
- Researching applied AI/ML for insurance use cases: fraud detection, claims triage, and predictive underwriting.
Software Engineer
Nepal Life Insurance Co. Ltd. · Junior Officer · Kathmandu, Nepal
- Built premium calculator engine across 20+ life insurance product lines; standardized actuarial rules, improving sales workflow efficiency by ~30%.
- Developed the asset management application with audit controls and regulatory reporting.
- Built secure onboarding system for 5,000+ agents and customers with KYC workflows, eligibility validation, and payment gateway integration.
- Built API integrations connecting underwriting, policy issuance, and claims across core insurance systems.
- Developed scheduled batch jobs for premium notices, policy renewals, and commission calculations, processing 100K+ records per cycle.
- Migrated legacy ASP.NET WebForms modules to ASP.NET MVC / Web API, improving maintainability and front-end responsiveness.
Software Engineer
Innovative Ghar Nepal · Kathmandu, Nepal
- Built multi-tenant real estate platform (ASP.NET MVC, C#) with listings, tenant management, RBAC, and reporting modules.
- Designed normalized SQL Server schema and stored procedures backing search, filtering, and tenant isolation.
Education &
professional training
MSc, Data Science & Computational Intelligence
Coventry University, UK (Distance)
Softwarica College · Expected Feb 2027
MBA, Accounting & Finance
Indira Gandhi National Open University
Distance · Completed Sept 2026
BE, Computer Science & Engineering
Advanced College of Engineering and Management
Tribhuvan University
IEEE Publication: "Attendance and Security Assurance using Image Processing", ICCMC 2018 · View on IEEE Xplore →
Professional Training
Technical, insurance-domain, and regulatory programs
- Mastering in Software Architecture · Kathmandu University, 2026; advanced patterns, enterprise systems, and cloud-native architecture
- Insurance Fundamentals · Insurance Institute of Nepal; life insurance principles, products, and practice
- Microsoft SQL Database Administrator · SQL Helps, 2021; SQL Server administration, backup and recovery, performance tuning
- AML/CFT · FIU-Nepal / Nepal Rastra Bank; anti-money-laundering and counter-financing-of-terrorism compliance
Open to solution architect
and transformation roles
If you're hiring a solution architect who knows insurance from the inside and can still ship the .NET code, the easiest first step is a short intro call. Also open to remote and senior contract engagements (W-8BEN ready).