Open to Senior Remote .NET Roles · 2026

Senior .NET engineer for insurance and financial systems.

I build and modernize production platforms across policy administration, claims, payments, agent portals, and regulated financial workflows.

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0+
Years Experience
0K+
Active Users
0%
Query Latency Reduction
0B+
NPR Portfolio Assets
.NET 8 LTS
C# / ASP.NET Core
EF Core
Azure
ML.NET
Oracle / SQL Server
OAuth2 / OIDC
RBAC
OWASP
Docker
Domain-Driven Design
Modular Monolith
Git Flow
CI/CD
OpenTelemetry
About

A working engineer,
not a slide-deck consultant.

Rahul Karn - Senior .NET Engineer

Rahul Karn

Senior .NET Engineer · InsurTech & Financial Systems

Kathmandu, Nepal

I build production systems alongside the engineers shipping them, which keeps the architecture honest and the migration plans buildable.

Senior .NET engineer with 8+ years 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, NPR 100B+ asset portfolio systems, and a 6+ engineer team coordinated through phased modernization.

Combining hands-on engineering with formal training in data science (MSc, Coventry) and finance (MBA, IGNOU), bringing analytical and business depth uncommon in core engineering roles.

Based in Kathmandu, deep in Nepal's insurance infrastructure since 2017, working US-Eastern hours and shipping systems that handle real money, real users, and real regulatory scrutiny.

Case Studies

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.

90K+ UsersMonolith → ModularRBACOWASP
Challenge

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.

Simplified Architecture: C4 Container View
Agents / Customers90K+ users
Admin PortalInternal ops
Digital ChannelsWeb / Mobile
HTTPS / API Gateway
API GatewayYARP Reverse Proxy
Bounded Contexts
Service Layer
Policy AdminLifecycle mgmt
UnderwritingRisk assessment
ClaimsProcessing
Agent MgmtOnboarding / KYC
EF Core / Repository Pattern
Data Layer
Oracle DBLegacy data
SQL ServerNew modules
Identity ServerOAuth2 / OIDC
Approach

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).

Key Decisions
  • 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)
Outcome

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%.

~50% FasterQuery Latency Reduced ~50%Oracle + SQL Server
Challenge

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%+.

Approach

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.

Key Decisions
  • 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
Outcome

~50% reduction in query latency. Directly improved throughput for premium calculation engine across 20+ product lines.

Query Latency
~50% reduction
DB CPU at Peak
Substantially lower
Timeout Incidents / Week
12+→<1
Peak-Hour Throughput
Meaningfully higher

Billion-Rupee Payment Architecture: Transaction Integrity at Scale

Owned the design and build of the payment flow, reliable payments at NPR 100B+ volume with zero duplicates and full auditability.

NPR 100B+Zero DuplicatesFull Auditability
Challenge

NPR 100B+ in asset portfolio transactions: premium collections, policy payouts, agent commissions. Existing flow had no reconciliation, no idempotency, failures tracked in spreadsheets.

Payment State Machine: Transaction Lifecycle
Client RequestPremium / Payout
Idempotency Key
InitiatedIdempotency check
Gateway API
AuthorizedGateway confirmed
Capture / Settle
SettledReconciled
FailedRetry queue
RefundedAudit logged
Reconciliation Layer
Auto ReconciliationNear-real-time
Audit TrailImmutable logs
AlertingMismatch detection
Approach

Designed end-to-end payment gateway integration with "nothing gets lost" principle. Mapped every transaction state, idempotency, reconciliation patterns, and complete audit trail logging.

Key Decisions
  • 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
Duplicate Transactions
Eliminated by idempotency keys
Reconciliation Time
2 days→Real-time
Failed Payment Recovery
Days→Minutes
Audit Prep Time
2 weeks→1 day
Deliverables

Artifacts produced
while shipping production systems

Documentation, decision records, and reference materials produced over 8 years of building and operating insurance platforms, not slide decks or consulting deck residue.

System Architecture

Domain models, service boundaries, data-ownership maps, and architecture decision records covering integration, reliability, and technology choices.

Domain Models & Bounded Contexts Service & Data Boundaries Architecture Decision Records

Security & API Design

OWASP-aligned controls, RBAC models, API versioning and error contracts, and security review practices established for regulated financial systems.

API Versioning & Error Model OWASP Review Practices RBAC Design

Modernization & Roadmaps

Phased modernization plans (monolith → modular), AI/ML use-case exploration for insurance, and roadmaps grounded in what the system can actually become.

Phased Modernization Plans AI/ML Use-Case Exploration Pragmatic Roadmaps
Expertise

Capabilities, grouped by
what they solve

System Design

Domain modeling, service boundaries, and architecture for new and legacy systems in insurance and finance.

DDDC4 ModelADRsModular MonolithAPI Design

Data & AI/ML for Insurance

Applied data and ML for insurance, exploring fraud detection, claims triage, and predictive underwriting on real policy and claims data.

ML.NETPythonRAGpandasscikit-learn

Security & Identity

OAuth2/OIDC and RBAC for regulated financial platforms, OWASP-aligned controls, encryption, secrets management, and audit logging.

OAuth2OIDCRBACOWASPAudit Logging

Platform & Data

API design, idempotency for payment flows, database architecture, query optimization, and ETL across Oracle and SQL Server estates.

API-FirstOracleSQL ServerAzure SQLETL

InsurTech & FinServ

Core insurance systems: underwriting, policy admin, claims, payments, asset management, premium engines, KYC/AML, digital channels.

InsuranceClaimsUnderwritingPaymentsKYC

Cloud & Delivery

Azure (App Services, SQL, Key Vault), Docker, Git Flow, CI/CD pipelines, structured logging, and observability for production workloads.

AzureDockerCI/CDGit FlowOpenTelemetry
Experience

Professional
journey

Senior .NET Developer / Tech Lead

Nepal Life Insurance Co. · Kathmandu, Nepal

Jan 2023 – PresentCurrent
  • 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 on NPR 100B+ volume.
  • 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.
90K+ Users~50% Perf GainNPR 100B+6+ Engineers

Software Engineer

Nepal Life Insurance Co. · Kathmandu, Nepal

Nov 2018 – Dec 2022
  • Built premium calculator engine across 20+ life insurance product lines; standardized actuarial rules, improving sales workflow efficiency by ~30%.
  • Developed asset management application handling NPR 100B+ portfolio 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.
NPR 100B+ Portfolio20+ Product Lines30% Efficiency Gain

Software Engineer

Innovative Ghar Nepal · Kathmandu, Nepal

Oct 2017 – Nov 2018
  • 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.
Academic Background

Education &
certifications

In Progress2025 – 2027

MSc, Data Science & Computational Intelligence

Coventry University, UK (Distance)

Softwarica College · Expected Feb 2027

In Progress2024 – 2026

MBA, Finance

Indira Gandhi National Open University

Distance · Expected Sept 2026

Completed2013 – 2017

BE, Computer Science & Engineering

Advanced College of Engineering

Tribhuvan University

IEEE Publication: "Attendance and Security Assurance using Image Processing", ICCMC 2018 · View on IEEE Xplore →

In Progress2025

Microsoft Certified: Azure Solutions Architect Expert

Microsoft: AZ-305

Cloud Architecture Certification

Contact

Open to senior remote
engineering roles

If you're hiring a senior .NET engineer with deep insurance domain experience for a remote role, the easiest first step is a short intro call. Also open to senior contract engagements (W-8BEN ready) where the scope is engineering work, not architecture-as-a-service.

4+ hrs US-Eastern overlap · W-8BEN ready
Email[email protected]
Phone+977 9863036368
LinkedInlinkedin.com/in/rahulkarn52
Websitexraone.com