Rahul Agarwal

CTO

Gurgaon, Haryana, India17 yrs 10 mos experience

Key Highlights

  • 20+ years in tech product development and transformation.
  • Led large teams and scaled tech products effectively.
  • Expertise in Fintech, Edu-Tech, and cloud infrastructure.
Stackforce AI infers this person is a seasoned CTO specializing in Fintech and Edu-Tech with a strong focus on cloud infrastructure and tech transformation.

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Skills

Core Skills

Technology ManagementTech Transformation

Other Skills

Information TechnologyTechnology LeadershipIn-House DevelopmentData AnalyticsProduct DevelopmentTeam BuildingStart-upsProduct ManagementProgram ManagementVendor ManagementAnalyticsOnline AdvertisingTeam LeadershipCRMInformation Architecture

About

20+ years of exp in tech-product developement and worked as CTO (full time) for companies like PolicyBazaar, Aakash-Byjus, Lava Mobile, Capri Global etc. Also, started working as Fractional/Consulting CTO since last one year to help companies with large scale tech transformation, next level growth and building high productivity tech teams. ● 20+ Years exp in tech-product development ● Building and scaling growth tech-products ● Tech-Product transformation and in-house transition ● Working with 3rd parties along with in-house teams to maximize the output, cost effectiveness and efficiency ● Building highly efficient, medium to large size teams ● Building high availability data and analytics systems ● Business and efficiency transformation via tech and products ● High ROI Tech-Product Ecosystems ● Ensuring tight controls on infra expenses and cost effectiveness of team expenses Domain Expertise : ● Fintech, NBFC, Home Loan Financing. ● Ed - Tech ● Insure -Tech ● Shipping & Freight Forwarding ● Ad Networks ● Ecomm, Lead Gen, MarketPlace ● Internet Startups & enterprise Strong background in large scale enterprise business products (both B2B and B2C), big data, data analytics and AI/ML, system architecture and scalability. Domain expertise in Edu-Tech, Fin-Tech, Insurance , Shipping & Freight Forwarding, Ad Networks, Mobility, Online Real Estate, Lead Generation, Community Development. Bootstrapping internet start-ups and leading technology/product teams. Deep understanding and experience in large and highly scalable cloud computing infrastructure (AWS specially). Business-tech integration, product/technology ownership, system design/architecture, big data , AI/ML and data analytics, serverless architecture, business solution design, high availability and highly scalable systems, product conceptualization, team building and start ups. Very strong and deep understanding of AWS (Amazon Web Services) infrastructure. Big data systems using Serverless paradigm, Hadoop, AWS EMR, Athena, Redshift/Spectrum etc. Building highly scalable and high performance oriented tech systems. Keen eye for cost effectiveness and cut down unnecessary spend. Saved approx 30 Cr in last 3 years for organizations while ensuring higher efficiency. Start-up background, office incubation, in-house team building and scaling.

Experience

Beyondage

Chief Technology Officer

Jul 2025Present · 8 mos · Gurugram, Haryana, India · Hybrid

Nagarro

Chief Information Officer

May 2025Present · 10 mos · Gurugram, Haryana, India · Hybrid

Multiple organizations

Previous Tech Transformation Consultant / Fractional CTO

Sep 2023Sep 2025 · 2 yrs · Gurugram, Haryana, India · On-site

  • CARE health insurance (July 2024 - May 2025 )
  • Helping CARE health insurance as Tech Transformation Consultant (Fractional capacity) with large scale tech transformation to cloud, cost effectiveness, team productivity and gearing up for next level growth and scale. Gearing up teams for GenAI adoption and bringing productivity via AI across functions and building new products.
  • Propelor -JM Baxi Group ( September 2023 - August 2024)
  • Working as Franctional CTO. Transforming a traditional Freight Forwarder business with scalable tech implementation and practices.
  • ● Solutioning and designing a Global SAAS ERP for Freight Forwarding business. To be used in-house and offered on SAAS to other players.
  • ● Setting up right tech practices and policies for long term growth and team building.
  • ● Helping out with fund raise exercise and roadmap for next 3-5 years growth with tech-product implementations.

Klephant

Chief Technology Officer & Co-Founder

Jul 2023Present · 2 yrs 8 mos · Gurugram, Haryana, India · On-site

Capri global capital ltd.

Chief Technology Officer

Jul 2021Jul 2023 · 2 yrs · Gurugram, Haryana, India

  • Transformed a traditional large NBFC (NSE Listed) to a leading, fast paced FinTech
  • ● Driving the entire tech roadmap involving business applications, productivity systems, customer facing, data analytics/science platforms
  • ● Built and set up a 150+ people Technology and Product team and new office in Gurgaon from scratch
  • ● Business and AUM increased 3x in my tenure of 2 years (INR 3.5k Cr to 10.6k Cr)
  • ● Building high productivity tech-product team
  • ● Innovating and developing new lending products : Loan Origination Systems, Sales apps, DataLake, Consumer apps, Backend Productivity Platforms, API layers and many more
  • ● Building high availability data mart and analytics systems on top of multi data sources footprint
  • ● Digitization of legacy NBFC systems to paperless and digital first ones.
  • ● Moving multiple 3rd party systems to in-house development which are key to business growth, operational excellence and customer satisfaction.
  • ● Saved approx 10+ Crs. within tech by implementing multiple better productivity solutions and bringing/building in-house systems.
  • ● Driving operational productivity and excellence via technology
Technology ManagementInformation TechnologyTechnology LeadershipIn-House DevelopmentTech Transformation

Aakash educational services limited

Chief Technology Officer

Jun 2020Jul 2021 · 1 yr 1 mo · Delhi, India

  • Transformed coaching institute to online education hub and completed merger with ByJus
  • ● Successful integration with ByJu's in all aspects of the merger
  • ● Building Aakash a leader in Edu-Tech from a traditional Test-Prep Institute
  • ● Building In-House Tech, Product teams
  • ● Saved approx 20+ Crs. of existing spends in just 1 year and with better productivity
  • ● Migrated entire 3rd party dependent tech support to in-house team to drive higher efficiency and cost saving
  • ● Growth products & Data Security
  • ● Complete Online and Hybrid Transformation of existing setup
  • ● Building Edu-Tech and Distance learning systems
  • ● Enterprise systems for business excellence and automation
  • ● Bring in the cost efficiency with elegant use of tech

Policybazaar.com

Chief Technology Officer

Dec 2018Jun 2020 · 1 yr 6 mos · Gurgaon, India

  • ● Managed all aspects of a 250+ members technology team (including Roadmap, architecture, partner integrations, call center technology, team building, cost management/optimization etc)
  • ● Transformed basic enterprise AWS deployment footprint to next-gen, highly scalable, serverless architecture (saved costs in 92% aspects recommended by AWS gold standard)
  • ● Transformed the entire call center tech in a matter of days to enable 10,000+ sales staff to work from home during Covid-19 lockdown leading to zero revenue loss for the organization
  • ● In-house AIML and NLP analytics on terabytes of data and 15 million monthly call recordings
  • ● Seamless payment integrations with all top gateways and govt services (NPCI). Implemented PCI-DSS.
  • ● Expertise in 100% compliance with PCI-DSS, data storage & transmission s customer PII, Big-4 audits and IRDA compliance

Lava international limited

Chief Technology Officer

Jun 2016Dec 2018 · 2 yrs 6 mos · Noida, India

  • ● Responsible for taking care of enterprise business systems, data analytics, in-house apps
  • ● Built integrated teams across multiple locations and products
  • ● Responsible for the entire tech landscape and team building, system architecture, tech infrastructure, budget forecasting etc
  • ● Designed a completely auto-scaled big data processing and analytics system on AWS to handle approx 15 billion monthly mobile user events (and growing) continuously
  • ● Conceptualized and executed multiple in-house development projects and cross functional tech team
  • ● Migrated from a 3rd party and built own ERP system to manage the entire flow of goods and money through the supply chain.

Indiahomes.com

Head of Engineering

Jun 2012May 2016 · 3 yrs 11 mos · Gurgaon, India

  • Worked as Head of Engineering at IndiaHomes(IndiaWorld Technologies). Responsible for everything which touches technology : Customer facing tech-products, analytic systems, mobile apps and everything under the tech/product-ecosystem and its business impact. Designed and taking care of technology infrastructure and leading in-house tech/product team. Played senior management role to ensure that business goals and technology-product are in sync and they work in deep synergy.
  • Enabled technology to grow the business to next level by understanding the current and forward needs. Responsible for managing relations will all concerns 3rd party vendors, technical specs and feature requirements, timely delivery, delivery quality and project costing. Created in-house central platform to cross leverage the functionality and data of multiple legacy systems by migrating them into common technology stack.
  • Spearheaded the IndiaHomes One Stop Shop product for real estate offerings with PAN India footprint. A WORLD-PATENT is filed for the same and pending. Also built the data analytics platform to analyze real time data across multiple data sources and cross reference them.
  • Migrated and implemented all technical systems onto AWS (Amazon web services) server infrastructure. Architecture them into highly available, completely distributed, fail safe and real time auto recovery mode.

Tyroo media pvt ltd

Director Engineering

Jun 2011May 2012 · 11 mos · Gurgaon, India

  • Conceptualizing and developing high performance products around ad performance, analytics, new ad format, reporting engine and customization of 3rd party ad serving software. This involves design, architecture and product management around multiple projects and delivery responsibilities. Leading a mid size technology team of highly motivated individuals.
  • Taking care of competitive market study, 3rd party product analysis and strategies around them for efficient productivity. Implemented full scale CRM system with custom development to ensure better operational productivity for sale-purchase and supply-demand activities. Building central data warehouse, enhance reporting and value added tools using 3rd party AdServer APIs and data providers.

Clickable

Product Manager

Apr 2009Jun 2010 · 1 yr 2 mos

  • Recommendation Algorithms and Act Engine
  • Recommendations project is one of the core value added features of Clickable. It automatically analyzes every account metrics and generates set of recommendations based on pre-defined algorithms. This requires a very good understanding of online ad industry and user behavior analysis. I worked as Product Manager for this product as well as the architect. My role in this project is to generate new algorithms for products and owning the core code for automated generation system (Act Engine). The responsibilities in this area also cover analyzing the similar features provided by the competitors and enhancing our existing recommendations.
  • Clickable Common Infrastructure
  • Clickable common infrastructure project is an initiative I have conceptualized to integrate all different applications and products of clickable. My designation is this project is Tech Lead. I have developed common application security architecture, scalable caching framework, common logging so far. I have also designed the further road map of the project including SSO implementation, distributed caching, common validation framework for business and transactional entities.
  • Other than technical and analytical responsibilities I am also helping clickable with domain expertise in online advertising domain. I am working with senior ad analytics director to improve the clickable products for exponential business growth. I am also providing training sessions to people for better understanding of this domain.

Vriti infocom pvt ltd.

Co-Founder & VP Engineering

Sep 2006Apr 2009 · 2 yrs 7 mos · Noida Area, India

  • Co-founded Vriti Infocom in 2006 and designed and built most of the core application architecture. Also worked in all aspects of building core team, office, client servicing, processes etc.
  • One of the key products designed was Online Classroom and Online Test Series. This is one of the best online test taking and examination systems in country so far. It helps educational institutes and coaching centers to conduct their tests in online environment and also generates parallel revenue streams for them. Other than online test taking environment, the product provide features like individual sites for different clients, self service system for professors to upload, review, analyze tests, one of its kind 360 degree suggestive analysis of taken tests by which students can see their performance in every aspect of test taking and practice accordingly to improve it.
  • Conceptualized and designed educational user community called CollegeSearch to help students to find out the right college and right courses to opt. Conceptualized and developed EasyApply, which is a online application form filling system keeping educational institutes in mind.

Tribal fusion

Software Engineer

May 2005Oct 2006 · 1 yr 5 mos · Noida Area, India

  • Started the India RnD Center in Noida and was the first employee here. Developed the core Tribal Fusion platform and Lead Generation Marketplace. Currently this platform works as the backbone of every developed application on top of the Tribal Fusion Ad Server. Marketplace is a run-time bidding system which transfer the potential leads to buyers keeping maximizing the revenue in consideration. Also helped in building core team, office set up, processes etc.

Tavant technologies

Software Engineer

Jun 2004Apr 2005 · 10 mos · Bengaluru Area, India

  • Joined Tavant just after IIT as Software Engineer. Worked on Loan Management Application, developed code, fixed bugs and perform background tasks.

Education

Indian Institute of Technology, Delhi

Dual Degree (B.Tech + M.Tech) In Chemical Engg — Chemical Engg

Jan 1999Jan 2004

Indian Institute of Technology, Delhi

Dual Degree — Chemical Engineering

Jan 1999Jan 2004

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