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© 2026 Milind Prabhakar

About

Who is Milind Prabhakar?

I've spent 8 years building enterprise-grade systems across financial services. Core banking engines processing 1,000 TPS at Oracle. Modernizing secured-card platforms at Discover. Leading a 10M customer migration at Capital One. Building AI agents in regulated CI/CD pipelines.

My sweet spot is the intersection of distributed systems, payment platforms, and applied AI. I've led teams, mentored engineers, and shipped systems handling 1,000 TPS at 99.994% uptime.

8

Years Experience

$65M

Annual Savings

73%

Registration Lift

10M

Customers Migrated

Capital One

May 2025 to Present

Lead Software Engineer

Riverwoods, IL

  • Driving secured-card customer migration from Discover to Capital One post-acquisition, round 1 cutover covered 10M customers
  • Building AI agents into the universal CI/CD pipeline for automated PR review and vulnerability remediation on Java/Spring Boot apps
  • Designing AI-assisted SDLC for regulated banking with governance controls and human-approval gates
  • Managing customer graduation workflows and transition logic across business models
  • Setting up multi-region database failover with Helm configs and hardware provisioning
  • Maintaining 90% code coverage with Pact contract testing and Playwright acceptance tests
  • Designing blue-green and canary deployment strategies for zero-downtime releases
JavaSpring BootReactTypeScriptAWS AuroraKubernetesHelmDatadogTerraformLLMOpsAI AgentsOpenShift

Discover Financial Services

Jul 2024 to Dec 2025

Application Engineer

Chicago, IL

  • Architected the Kafka ACH refund pipeline with Spring Boot, idempotent consumers, DLQ replay, and partition-based scale. 100K daily transactions at 100% success rate. $65M annual savings.
  • Reduced latency 15% through F5 GTM routing and OpenShift ingress optimizations
  • Discovered Calico network policy misconfiguration affecting multiple teams. First to identify and report.
  • Mentored team of 4 engineers, improving Agile velocity and cutting cycle time 30%
  • Conducted PR reviews for 5 to 10 developers, enforcing coding standards
Spring BootKafkaPostgreSQLAWS FargateOpenShiftTerraformELK StackDatadog

Discover Financial Services

Sep 2023 to Jul 2024

Senior Associate Application Engineer

Chicago, IL

  • Served as cross-team technical anchor on the registration and activation modernization program, contributing to $500M in incremental sales
  • Led the onboarding wizard sub-program. Modernized legacy WebSphere to Spring Boot microservices and React Micro Frontends with Webpack Module Federation
  • Built the secured-card graduation dashboard, cutting call center volume 60% and graduation time 48%
  • Drove customer conversion through UX modernization and A/B testing. 73% registration lift, 64% activation lift, 50% rewards uptake, 77% paperless.
  • Ran 50/50 A/B testing between legacy and modern stack over 2 to 3 months before full cutover
  • Achieved 99.994% uptime with Catchpoint synthetic monitoring and blue-green deployments
ReactTypeScriptSpring BootNode.jsModule FederationAWS AuroraKubernetesCatchpoint

Agilant Solutions, Inc.

Aug 2023 to Sep 2023

Full Stack Developer Intern

Lisle, IL

  • Integrated in-house technology order gateway for Walmart's B2B software
  • Built frontend with React/TypeScript, replicating Figma designs
  • Implemented chatbot interface for service activation and installation assistance
ReactTypeScriptPHP

Illinois Institute of Technology

Aug 2022 to May 2023

Graduate Teaching Assistant

Chicago, IL

  • CS 425, Database Organization (Jan to May 2023)
  • CS 442, Mobile Application Development (Aug to Dec 2022)
SQLMobile DevelopmentTeaching

EY LLP

Jun 2022 to Aug 2022

Software Engineer Intern

Chicago, IL

  • Developed cloud-based microservices for food delivery platform using Spring Boot and Docker
  • Implemented MFA for enhanced system security
  • Built async messaging with RabbitMQ and Kafka, improving scalability and fault tolerance 60%
Spring BootDockerKubernetesKafkaRabbitMQ

Oracle Financial Services Software

Sep 2018 to Jul 2021

Associate to Staff Consultant

Bengaluru, India

  • Built core banking processing engines handling 1,000 TPS for 120M customers
  • Owned core banking modules (Term Deposits, CASA, GEFU, batch processing) in FLEXCUBE at Tier-1 Indian banks
  • Led the Canara-Syndicate merger data migration covering 95M records with zero data loss
  • Redesigned EOD batch processing from 10 hours to a 4 to 5 hour SLA
  • Optimized concurrency and SQL queries cutting batch runtime 30%
  • Built reusable bulk file ingestion framework processing 20K to 30K customers daily
JavaSpring BootSpring BatchPL/SQLOracle 19cOracle WebLogicJenkins

Just Think Technologies

Feb 2016 to Aug 2018

Software Developer

Bengaluru, India

  • Designed responsive e-commerce applications with React.js, Redux, and Axios
  • Built REST APIs with Spring Boot, enabling 50% faster order processing
  • Implemented caching and load balancing with Nginx and AWS ELB, cutting API response times 45%
ReactReduxSpring BootMongoDBNginxAWS

FAQ

Frequently asked

+What does Milind Prabhakar currently focus on?

Lead Software Engineer at Capital One focused on distributed systems for the secured-card customer migration from Discover, plus integrating AI agents into the universal CI/CD pipeline for automated PR review and vulnerability remediation in a regulated banking environment.

+Where has Milind Prabhakar worked?

Capital One (May 2025 to Present), Discover Financial Services (Sep 2023 to Dec 2025) as Senior Associate then Application Engineer, EY LLP (Summer 2022), Oracle Financial Services Software (Sep 2018 to Jul 2021), and Just Think Technologies (Feb 2016 to Aug 2018).

+What are Milind Prabhakar's notable projects?

Spicy Desi Voice AI Agent (a production Twilio + Claude voice agent for a real food truck business), AI agents in Capital One's regulated CI/CD pipeline, career-ops (a GPT-4o-mini LLM-as-judge job search pipeline), and this portfolio with a RAG-powered chatbot over pgvector.

+How can I contact Milind Prabhakar?

Email milindp25@gmail.com, LinkedIn at linkedin.com/in/milind-prabhakar, or GitHub at github.com/milindp25. Based in Chicago, IL.