Dheeraj Budhiraja — CEO

Dheeraj Budhiraja is an innovative technology leader with 6+ years of experience in Digital Banking, Blockchain Architecture, Decentralized Identity, and Cloud-Native Systems. He has a proven track record of leading cross-functional teams, delivering scalable enterprise solutions, and driving measurable outcomes across Fintech and BFSI ecosystems. Throughout his career, Dheeraj has spearheaded initiatives such as building AI-driven digital onboarding platforms that onboarded over 100,000 customers with 40% straight-through processing, designing decentralized identity frameworks adopted across multiple sectors, and creating enterprise blockchain solutions that generated $1M+ in annual savings. Recognized with multiple awards for customer-centric innovation and technical excellence, he thrives at the intersection of technology and business strategy, translating complex ideas into products that scale securely and efficiently. 💡 Areas of Expertise: Digital Banking, BFSI, Blockchain, AI/ML, Product Strategy, Cloud Platforms, Data Analytics, Cybersecurity 🛠 Technical Proficiency: - Blockchain Platforms: Hedera, Hyperledger (Fabric, Besu, Indy, Aries), Quorum, Ethereum - Programming & Frameworks: Node.js, Python, Rust, Java, C++, React.js, React Native - Cloud & DevOps: AWS, Azure, GCP, Kubernetes, Docker, Jenkins, CI/CD Pipelines - Emerging Tech: Decentralized Identity, Agentic AI, Cryptography, Machine Learning Dheeraj is passionate about solving real-world challenges with technology-first innovation, building high-performance teams, and driving digital transformation at scale.

Stackforce AI infers this person is a Fintech expert specializing in blockchain and digital banking solutions.

Location: Gurugram, Haryana, India

Experience: 10 yrs

Skills

Digital Banking
Ai/ml
Blockchain

Career Highlights

Led initiatives onboarding over 100,000 customers.
Achieved $1M+ in annual savings through blockchain solutions.
Expert in decentralized identity and digital banking.

Work Experience

AU SMALL FINANCE BANK

Deputy Vice President (1 yr)

Wipro

Senior Technical Lead (2 mos)

Engineering Lead (1 yr 11 mos)

Senior Project Engineer (1 yr 11 mos)

Project Engineer (1 yr 6 mos)

Srinivasa Fashions Pvt Ltd

Supply Chain Consultant (9 mos)

ASME (The American Society of Mechanical Engineers)

Technical Lead (2 yrs 4 mos)

ASME's E-fest Asia Pacific

Team Captain, Human Powered Vehicle Challenge (1 yr 7 mos)

Models and Robotics Section

Automatic Chess Playing Bot - Robotics (8 mos)

National Cadet Corps, IIT Roorkee

N.C.C. Cadet (10 mos)

Education

Bachelor of Technology (B.Tech.) at Indian Institute of Technology, Roorkee

12th CBSE Board at Vaish Public School

10th at M.S. Saraswati Sr. Sec. School

Dheeraj Budhiraja

CEO

Gurugram, Haryana, India10 yrs experience

AI ML PractitionerAI Enabled

Key Highlights

Led initiatives onboarding over 100,000 customers.
Achieved $1M+ in annual savings through blockchain solutions.
Expert in decentralized identity and digital banking.

Stackforce AI infers this person is a Fintech expert specializing in blockchain and digital banking solutions.

Contact

Skills

Core Skills

Digital BankingAi/mlBlockchain

Other Skills

Decentralized IdentityCloud-Native SystemsAI-driven digital onboardingAgentic AI solutionsBackground VerificationCredential reusabilityCost reductionMicroservicesAgile deliveryBlockchain Network ManagementPerformance TestingSyndicate Loan TokenDecentralized Identity ManagementSmart Contract DevelopmentBlockchain Ecosystems

About

Experience

Au small finance bank

Deputy Vice President

Mar 2025 – Present · 1 yr

Leading digital initiatives within Branch Banking, redesigned the onboarding platform AU-ACE for
Field Officers (FOS) and branch staff, significantly improving customer onboarding efficiency.
Spearheading the development of Agentic AI solutions and integrated Large Language Models
(LLMs) to increase Straight Through Processing (STP), enabling seamless, automated onboarding
with minimal manual oversight.
Onboarded over 100,000 customers, with 40% fully processed through STP without manual
intervention.
Collaborating with Decimal Technologies to build a secure, scalable, and configurable low-code/no-
code platform enabling rapid experimentation and accelerated go-to-market strategies based on live
feedback and market conditions.

Digital BankingDecentralized IdentityCloud-Native SystemsAI-driven digital onboardingAgentic AI solutionsAI/ML

Wipro

4 roles

Senior Technical Lead

Jan 2025 – Mar 2025 · 2 mos

Designed and developed a customizable Background Verification (BGV) platform to serve Wipro HR
and external clients across four countries.
Integrated third-party vendor systems and DICE ID platform to enable credential reusability,
significantly reducing verification costs.
Achieved annual savings exceeding $1 million through improved credential workflows and vendor
interoperability.

Background VerificationCredential reusabilityCost reductionBlockchain

Engineering Lead

Promoted

Jan 2023 – Dec 2024 · 1 yr 11 mos

Led the development of DICE ID, a decentralized identity platform for issuing and verifying Self-
Sovereign Identities and Verifiable Credentials on the Hyperledger Indy blockchain.
Mentored a team of 10 developers, promoting best coding practices, peer reviews, and agile delivery.
Independently developed several microservices in Node.js and contributed enhancements to services
written in Python, Java, and Rust.
Improved the React Native-based mobile app with new feature integrations and performance tuning.
Contributed code to the open-source Hyperledger Aries JavaScript framework, improving credential
verification flows.
Designed the end-to-end CI/CD pipeline, security architecture, and deployment strategy using AWS
EKS, Kafka for event processing, and Redis for distributed caching.

Decentralized IdentityMicroservicesAgile deliveryBlockchain

Senior Project Engineer

Promoted

Jan 2021 – Dec 2022 · 1 yr 11 mos

Deployed and managed a public-permissioned blockchain network using Hyperledger Indy nodes for
the DICE ID platform, enabling secure and scalable decentralized identity management through
issuance and verification of self-sovereign credentials.
Conducted performance and functional testing on DID frameworks including Hyperledger Aries and Indy,
optimizing throughput and reducing latency.
Collaborated with Lloyds Banking Group and developed a Syndicate Loan Token Proof-of-Concept
using Hedera Smart Contract Service and Solidity.
Developed a generic blockchain SDK for deploying, invoking, and querying smart contracts across
multiple blockchain networks.
Built an IoT-based peer-to-peer energy trading platform using Hedera Token Service and Google IoT
Core.

Blockchain Network ManagementPerformance TestingSyndicate Loan TokenBlockchain

Project Engineer

Jun 2019 – Dec 2020 · 1 yr 6 mos

Developed a Decentralized Identity Management system for medical devices using Hedera DID
SDK, enabling secure remote issuance, modification, and revocation of device credentials.
Created a Smart Contract Generator Utility using Blockly, allowing users to visually generate smart
contract skeletons in Solidity and Go with drag-and-drop functionality.
Contributed to various POCs across Ethereum, Hyperledger Fabric, R3 Corda, Hyperledger Besu, and
Quorum, showcasing adaptability across diverse blockchain ecosystems

Decentralized Identity ManagementSmart Contract DevelopmentBlockchain EcosystemsBlockchain

Srinivasa fashions pvt ltd

Supply Chain Consultant

Aug 2018 – May 2019 · 9 mos

Improved production planning and operational efficiency by addressing supply chain bottlenecks in the
garment manufacturing process.
Designed an Automated Fabric Inspection System, enhancing production output using existing
resources without additional cost.

Asme (the american society of mechanical engineers)

Technical Lead

Jan 2017 – May 2019 · 2 yrs 4 mos · ASME IIT Roorkee Chapter

Worked on different projects like the Human Powered Vehicle Challenge, Student Design Challenge.
Led the team to design and manufacture Human Powered Vehicle for ASME HPVC ASIA PACIFIC 2018
Conducted various Technical Competitions, Fun events, Workshops on CAD Modelling and Design Analysis, Lecture Series on Basic Robotics, and Technical Quizzes

Asme's e-fest asia pacific

Team Captain, Human Powered Vehicle Challenge

Aug 2016 – Mar 2018 · 1 yr 7 mos

Designed and manufactured an Advance Human Powered Vehicle in terms of speed, endurance, aesthetic and comfort for HPVC, E-fest 2018.
The vehicle was Designed considering the ergonomics of a rider for long distances with little effort and will replace the non-renewable fuel based vehicles for daily use.
Analysed the design under static loading using Ansys workbench and tested the manufactured vehicle in the worst
physical situations that driver may face ensuring the driver's safety.
Competed with teams from all over Asia in E-fest organized by ASME International

Models and robotics section

Automatic Chess Playing Bot - Robotics

Jul 2016 – Mar 2017 · 8 mos · IITR

Designed and fabricated an autonomous Chess Playing Bot
Involved in mechanical design and basic image processing, coordinated with a team of 8 members from different fields

National cadet corps, iit roorkee

N.C.C. Cadet

Jul 2015 – May 2016 · 10 mos

Opted for 1-year training at N.C.C., IIT Roorkee
Practised foot drill and command, weapon training, field craft, civil defence, map reading etc.
Learned Importance of Discipline, Time Management and Team Work