Apoorv Kumar

Co-Founder

Bengaluru, Karnataka, India12 yrs 8 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

Cofounder of Asia's largest earned wage access platform.
Expert in building scalable finance systems and teams.
Proven track record in fundraising and product management.

Stackforce AI infers this person is a Fintech expert with strong leadership in scalable product development.

Contact

Skills

Core Skills

Product ManagementLeadershipTech Stack DevelopmentConsultingLending SystemsTeam LeadershipRisk ManagementScalable PlatformsQuantitative AnalysisLinux

Other Skills

AlgorithmsApache SparkBig DataCC++Cloud ComputingComputer ScienceCredit ScoringData StructuresDesign ReviewDistributed SystemsElasticSearchFundraisingGeo-AnalyticsHardware APIs

About

Technology has been my tool to manifest creativity. My areas of strength include assembling and managing top notch product teams to build finance products and systems - highly usable, reliable and scalable. I personally ensure an environment in which each member of the team can achieve their best. More importantly, I like to communicate closely with end users so we can tailor the system for them.

Experience

12 yrs 8 mos

Total Experience

3 yrs 2 mos

Average Tenure

5 yrs 4 mos

Current Experience

Refyne india

Cofounder & CTO

Jan 2021 – Present · 5 yrs 4 mos

Asia's largest earned wage access platform. Part of an incredible team and backed by world's most premier fintech VC funds. Raised $100M+ backed by QED, Tiger Global & DST Partners.
Know more at https://refyne.co.in

Product ManagementTeam LeadershipFundraisingLeadership

Self-employed

Tech consultant

Dec 2019 – Nov 2020 · 11 mos · Bengaluru, Karnataka, India

Working with startups and business on building their first tech stack. We are a team of independent consultants/freelancers with experience and focus on building auto scaling systems with very high resiliency which removes the necessity of dedicated tech personnel.
Particularly interested in the finance oriented stacks - lending, investments and payments.

Tech Stack DevelopmentConsultingSystem Architecture

Shubhloans

VP Technology & founding member

Jul 2017 – Nov 2019 · 2 yrs 4 mos · Bengaluru Area, India

Built the next-gen lending systems and smart credit scoring using geo-analytics, natural language processing and behavior analysis. Developed the complete platform including fully RBI compliant loan origination, loan management and collection systems for Datasigns Technologies and subsidiary NBFC - Ekagrata Finance.
Built the tech team to 20 people with varying domains of expertise including analytics, data management, mobile/web apps, security and system architecture.
Built automated underwriting algorithms along with underwriting strategies and risk management metrics.
Architected and led the development of a serverless+microservices based horizontally scalable and highly available lending platform that handles thousands of users per hour, millions of users overall and can automatically scale over 10x.
Developed custom change management lifecycles for different parts of company ranging from agile to waterfall depending on business speed/safety/visibility needs.

Lending SystemsCredit ScoringRisk ManagementTeam Leadership

Goldman sachs

Associate

May 2013 – Jun 2017 · 4 yrs 1 mo · Bangalore

Lead teams to develop scalable/high throughput/low latency platforms for Goldman Sachs businesses in Bangalore.
Worked on trading systems for Private Wealth Management.
Worked as a Core Strat developing platforms for all Asset Management business units. Started the Core Strategies team for Investment Management Division in Bangalore. Grew the Bangalore team to become largest across NY/London/Bangalore over 2 years.
Worked as a Quantitative Analyst aligned with Fixed Income desk developing investment strategies and managing compliance.

Scalable PlatformsTrading SystemsQuantitative Analysis