Apr 2016 – Feb 2018 · 1 yr 10 mos · Singapore, Chennai · Hybrid

• Karvensu, was my own startup, bootstrapped, to create an API Management Product, that will integrate invoice data of old systems and convert them into actionable insights. While product started with that idea, it went on become an API orchestrator, that will connect to any data source, fetch data, transform the data into a derived value, apply validations and finally integrate with any system that requires the data.

Jan 2016 – Jan 2018 · 2 yrs · Greater Chennai Area

• Specialisation in the fields of Insolvency & Bankruptcy, Debt Syndication, Debt Restructuring, Credit Risk Management, Information utilities

Jan 2016 – Apr 2016 · 3 mos · Brunei

• Lectured on Credit Assessment and Lending Management, and Auditing using ERP for full semester for the final year students for B. Com Hons

Jan 2012 – Jan 2016 · 4 yrs · Brunei

• Led strategic initiatives to digitally transform financial regulation and establish the national Credit Bureau.
• Key Contributions
• Digital Transformation: Designed and implemented a centralized regulatory system integrating data from financial institutions, government agencies, and IMF—enabling automated licensing, on-site, and off-site supervision. Negotiated technology procurement with >$3M in cost savings.
• Credit Bureau: Built the bureau from the ground up—recruitment, strategy, products, CEO-level bank engagement, legal frameworks, and go-to-market execution. Achieved the fastest credit bureau implementation in APAC (2012).
• Policy & Strategy: Contributed to the AMBD 2016–2025 Financial Sector Blueprint, advised on collateral registry setup, drafted regulations, and improved the country’s “Getting Credit” ranking in the World Bank EoDB index.
• Leadership: Directed Credit Bureau operations (2012–2014), overseeing full P&L and national statistics publication.

May 2007 – Dec 2011 · 4 yrs 7 mos · Greater Chennai Area

• Deployed credit bureau platforms across Africa, Middle East, and Asia.
• Designed underwriter workflows and self-inquiry portals for consumers.
• Built country-specific credit data models & scoring systems aligned with local regulations.
• Led product marketing & pre-sales, securing 57% market share by winning 9 of 16 country bids.

Mar 2006 – May 2007 · 1 yr 2 mos · Mumbai Metropolitan Region

• ▪ Managed a large project – implementation of Core Banking solution and other banking products—for a nationalized bank and completed the pilot branches implementations in record time of 9 months, involving a team size of over 60 resources and 7 vendors.
• ▪ Provided consulting in identifying banking transaction process to be offshored.
• ▪ Validated consolidation and reconciliation of General Ledger, Implementation of Retail Module of a Core Banking Solution and regulatory reports customization of 2 private banks in a post-merger scenario that formed as a third new entity.
• ▪ Participated pre-implementation study for planning to implement Basel II solution, studying the existing process and requirements of the bank.

Oct 2004 – Mar 2006 · 1 yr 5 mos · Singapore, Chennai

• ▪ Conceptualized CRM and eBanking products (Core Banking Products) by designing two sub modules viz. Case Management System & Campaign Management system while being posted in Singapore for the project execution.
• ▪ Ideated and engaged bankers for solutions and prepared functional specifications & test cases for the two sub modules
• ▪ Participated in Business Analysis for conceptualizing Basel II product for Almonde's Basel II solution focusing on Credit Risk Management

Jul 2003 – Sep 2004 · 1 yr 2 mos · Karaikudi

• Headed day to day operation of $ 13.5 Million balance sheet size branch. Undertook quality initiatives such as Five S, Six Sigma.

Jun 2002 – Apr 2003 · 10 mos · Greater Chennai Area

• ▪ Managed the branch having INR ₹ 500 million balance sheet size with 21 bank staff.
• ▪ Achieved Branch target wherein operation team generated 70% out of which personal contribution was 38% of the target.
• ▪ Enhanced customer base by 6% and Branch Profit by 12% above the Bank’s average.

Jul 1999 – Jun 2002 · 2 yrs 11 mos · Greater Chennai Area

• ▪ Syndicated Loan from three financial institutions for a power generation company by making financial projection and negotiating the loan structuring, collateral registration and liaising for legal documentation.
• ▪ Performed concurrent audit for Retail deposits, loans, corporate banking, foreign exchange services, and trade finance.
• ▪ Coordinated with external auditors in account finalization, NPL provisioning, tax audit and fraud audit.
• ▪ Performed testing of migration and certified the accuracy of balances of general ledger.