Jun 2025 – Present · 9 mos

Jun 2024 – Jun 2025 · 1 yr · Bengaluru, Karnataka, India · On-site

Nov 2019 – Mar 2024 · 4 yrs 4 mos · Greater Bengaluru Area · On-site

• Led the development and expansion of product offerings for Klub, India's premier Revenue-Based Financing (RBF) provider, overseeing a team of 70+ professionals. Facilitated the deployment of $200 million in loans to approximately 700 brands.
• Engineered a comprehensive product suite including:
• A Custom Loan Origination System (LOS) caters to diverse customer and team requirements. An Innovative Loan Management System with hybrid payment schedules caters specifically to RBF needs.
• Real-time Reconciliation Engine for accurate data matching and customer reporting. Risk Engine to assess brand eligibility for loans.
• Patron App enabling High Net Worth Individuals (HNIs) to invest in Non-Convertible Debentures (NCDs).
• Brands/Merchant App for Micro, Small, and Medium Enterprises (MSMEs) seeking non-dilutive growth capital effortlessly.
• Designed and launched an embedded financing stack to provide capital within 10 minutes based on the brand's marketplace store data.
• Architected a scalable system resilient to evolving business demands and testing scenarios.
• Implemented multi-tenant systems to support global expansion, allowing product launches in different countries and partnerships with multiple banks under an Enterprise SaaS model.
• Developed Gen AI-powered chatbots to enhance internal and external user experiences.
• Generated savings of $400k for the company through credit arrangements with various providers.
• Initiated a team learning program at an early stage to empower team members to enhance their skills and advance their careers.
• Led compliance (ISO:27001) initiatives at Klub to establish the trust of consumers in technology, and to meet the regulatory needs of both RBI (India) & ADGM (UAE)
• Designed a state-of-the-art data platform (ETL, BI, Analytics)that runs completely on open source and saved $60k per annum

Feb 2019 – Oct 2019 · 8 mos · Gurugram, Haryana, India

• Built wealth management system for retail customers, which includes mutual fund trading, stock trading and provide assistance for investment using robo-advisory.
• Co-Ordinated with product managers to understand business requirements.
• Responsible for taking data driven and effective decisions in a dynamic environment of changing and shuffling priorities.
• Delivered products against stringent requirements on scale, latencies and resource utilization.
• Handled technical management, design, architecture and dev ops.
• Worked on Javascript, Agile, high scale and high reliability AWS cloud systems.

Jan 2018 – Feb 2019 · 1 yr 1 mo · Greater Delhi Area

• Worked on the idea of creating a mobile app to provide extra income sources to masses by doing object detection on their mobile in their free time. After failing with the idea, worked with a few start-ups and helped them to implement their idea into a technical solution.
• Responsible for the design, architecture, and development of the full system.
• Designed microservices & serverless architecture.
• Worked on Agile, high-scale, and high-reliability AWS cloud systems.

Oct 2015 – Dec 2017 · 2 yrs 2 mos · Bengaluru, Karnataka, India

• InCred is a financial services company with multiple licences that include NBFC, Wealth management and many more.
• Joined InstaPaisa as founding team member. InstaPaisa got acquired by InCred in May 2016.
• InstaPaisa
• Design, Architecture & Coding of the backend(LOS) & frontend(Loan Application Module). • Integration with different NBFC's.
• Multi Bureau integrations (CIBIL, Experian, CRIF Highmark, Equifax).
• Bank Statement Fetch using yodlee API's.
• Bank Statement PDF parser.
• Designed REST Apis.
• Reporting & Management Modules.
• Designed lending platform using new age technologies with robust team. Built the team from 3 members to 45 members team.
• Team building & Co-Ordination.
• Co-Ordinated with product owners & business head's to understand business requirements.
• Converted business requirements/ideas into actual product with excellent quality.
• Designing, Architecture using opensource technologies.
• Serverless architecture using AWS Lambda funtions.
• Hybrid Databases (DynamoDb, Neo4j Graph DB, AWS Aurora).
• Coding of the backend & frontend modules (Sales, LOS, Reporting) including REST Apis.
• Workflow building.
• LMS integration.
• Perfios integration (PDF Parsing & Bank Statement Fetch using api).
• Multi Bureau integrations (CIBIL, Experian, CRIF Highmark, Equifax).
• eKyc integrations.
• Code Reviews & branching strategy.

Feb 2015 – Oct 2015 · 8 mos · Greater Delhi Area

• Co-ordinated with clients for technical requirements.
• Developed loyalty program installer for POS machines.
• Developed Order Notifier installer for restaurants.
• Managed Mobile, Frontend, Backend teams.
• Code Reviews & branching strategy etc.

Jul 2013 – Feb 2015 · 1 yr 7 mos · Greater Delhi Area

• Co-ordinated with product managers to understand business requirements and implemented those requiremnets into product.
• Designed loyalty program (QR code based).
• Design, Architecture & Coding of the backend & frontend platform.
• Developed responsive web app for online food ordering.
• Worked on facebook app to create mobile app using data on one's facebook page.
• Worked on AWS stack for deployment of different modules.
• Code Reviews & branching strategy etc.
• Mobile Apis.
• Facebook, Youtube, Sound cloud and other 3rd party API integrations.
• Payment gateway implementations.

Jan 2010 – Jul 2013 · 3 yrs 6 mos · Gurugram, Haryana, India

• I founded XT Technologies in May 2010 as a consulting firm, we provided services such as web development & mobile development to clients.
• Responsibilities included:
• Recognize & realize commercial opportunities that enhance product vision and the roadmap through technical and design innovation.
• Worked on Sales, Development, Testing, and Delivery.
• Development of system as per client requirements and making a smooth & timely delivery.