Aman Bindal

CTO

Delhi, India14 yrs 3 mos experience

Most Likely To SwitchAI ML Practitioner

Key Highlights

Led deployment of India's first digital collections SAAS platform.
Achieved 95% accuracy in AI-powered compliance platform.
Scaled a high-performing team from 11 to 100+.

Stackforce AI infers this person is a Fintech expert with strong leadership in product and technology.

Contact

aman@creditas.in LinkedIn

Skills

Core Skills

Product LeadershipTechnical Leadership

Other Skills

AlgorithmsAnalyticsAndroidArtificial Intelligence (AI)B2B SoftwareB2B2CBusiness AnalysisBusiness Growth StrategiesBusiness StrategyCC#C++Cloud ComputingCore JavaCross-functional Team Leadership

About

With over 13 years of experience in the fintech industry, I am a Head of Product and Technology at Creditas, a leading digital collections SAAS platform that serves 14 banks and 3 NBFCs in India. I hold an MBA in Analytics and Marketing from the Indian School of Business and a Bachelor's degree in Computer Science from Netaji Subhas Institute of Technology. My core competencies include machine learning, product strategy, technical innovation, and big data analysis. I have led the deployment, development, and enhancement of various customer-focused products that have scaled revenues, reduced costs, and increased engagement. I have also spearheaded open banking initiatives, built an API platform, and secured 10+ strategic partnerships. I am passionate about creating transformative fintech solutions that redefine customer engagement and deliver business value.

Experience

Creditas solutions

5 roles

Chief Technology Officer

Promoted

Apr 2024 – Present · 1 yr 11 mos

Product and Business Growth
Led the deployment of India's first digital collections SAAS platform for HDFC and SBI, extending
service to 14 banks and 3 NBFCs, which scaled monthly revenues by 40x within 14 months with 68% margin.
Developed a B2B white-labeled LTV Boosting Platform for banking partners, adding value of 8000 Cr per client. Launched instant features like Loan on Cards, Transaction to EMI, Card Enablement, Card Upgrade, and Limit Enhancement.
Enhanced engagement by 128% and slashed costs by 34% with an automated campaign orchestration engine.
Technical Innovation
Spearheaded open banking initiatives, building an API platform and securing 10+ strategic
partnerships
Implemented RPA and intelligent automation, streamlining operations and saving 2600+ hours
monthly.
Powered a 340% increase in customer acquisition with a real-time data analytics platform.
AI Transformation
Launched an AI-powered compliance and insights platform, achieving 95% accuracy in voice
compliance and reducing manual review times by 88% using Generative AI, NLP, and Voice AI.
Enhanced campaign tools with MAB and Bayesian models for experimentation and Reinforcement
Learning (RL) models for performance optimization, boosting revenue by 31%.
Compliance Excellence
Fortified security with zero-trust architecture, ensuring zero breaches (8+ years), and fostering
customer confidence.
Achieved PCIDSS, ISO 27001, and ISO 27701 compliance
Successfully navigated RBI Cyber Security Framework, DPSC Compliance, and Data Localization audits.
Streamlined and automated compliance, reducing the bank’s onboarding time from 75-90 days to 10-14 days.
Leadership & Management
Scaled a high-performing team from 11 to 100+, fostering innovation and data-driven decision-making.
Presented technology roadmaps and project updates to client boards, securing buy-in for major initiatives

B2B SoftwareTechnical LeadershipB2B2CSoftware as a Service (SaaS)Cross-functional Team LeadershipArtificial Intelligence (AI)+7

Head of Artificial Intelligence

Apr 2022 – Mar 2024 · 1 yr 11 mos

Head of Product and Technology

Promoted

Apr 2019 – Mar 2022 · 2 yrs 11 mos

Senior Technical Product Manager

Promoted

Apr 2017 – Mar 2019 · 1 yr 11 mos

Technical Product Manager

Jan 2016 – Mar 2017 · 1 yr 2 mos

Coverfox insurance

Product Manager

May 2015 – Dec 2015 · 7 mos · Mumbai Area, India

Managing Lead Management & Post Sales System
➢ Built a model for lead quality optimization which led to 2% reduction in leads but 30% increase in business.
➢ Developed a lead scoring model which improved lead conversion by 50%.
➢ Designed a post sales system which reduced the TAT for service requests by 2 days and reduced escalations by 30%.

Amazon

Software Developer Engineer

May 2011 – Apr 2014 · 2 yrs 11 mos · Bangalore

Big Data, AWS, Cloud Computing,Analytics, Product Development, Product Design
Managed pilot launch of various email marketing program in 11 countries
Projects contributed in annual revenue of 150M$ for US, European and Asian markets.
Built capability for inclusion of digital categories by developing new data sourcing, filtering and processing techniques.
Led to an increase in revenue by 40M$ and in circulation by 15% for various existing programs.
Part of team that setup big data architecture for consumer behavior analytics.
Developing of various features using AWS Services like S3, Dynamo DB, EC2, EMR etc. in the framework.
Reduction in running time by 85%. Roll out of 8 new programs in 6 months (300% increase in roll out rate).
Optimization through advanced filtering algorithm, upgrading signals for customer targeting, and building insights through
reporting. Improved revenue by 60M$ and engagement rate by 20%.
Developed framework, setup analytics and reporting for mobile messaging experiment in China market.
Improving customer experience, click ratio, open ratio and content generation for the communication

American express

Analyst

Jun 2010 – May 2011 · 11 mos · Gurgaon, India

(Risk Management) Delhi, India
Created risk scanner impacting 25M$ in fraud risk saving.
Automation of processes and scanners. Optimized system scanners for reducing process time by 80%