May 2024 – Jul 2025 · 1 yr 2 mos · Gurugram, Haryana, India · On-site

• Abhiyan Capital is a Non-Banking Financial Company (NBFC) specializing in secure business loans. We target underserved small business owners who seek to grow and expand.
• We empower small businesses through innovative financial solutions, ensuring they have the resources to thrive. Our mission is to support growth with ethical lending practices, fostering a lasting positive impact on the business ecosystem.
• About my responsibility:
• Lead technology-driven product implementation, ensuring innovative and efficient solutions.
• Oversee the implementation of new products, aligning with business goals and customer needs.
• Implement digital verification processes to ensure robust fraud detection and enhance security.
• Utilize low-code platforms to streamline development, reducing time-to-market and increasing flexibility.
• Develop and execute IT strategies to support digital transformation and optimize operations.
• Manage IT budgets, ensuring cost-effective technology investments and infrastructure upgrades.

Aug 2023 – May 2024 · 9 mos · Gurugram, Haryana, India · On-site

• As an accomplished Chief Technology Officer (CTO) with a passion for innovation and a deep understanding of the financial industry, I am committed to driving technological excellence within our NBFC, specifically focused on personal loans. With a track record of leading high-performing tech teams and delivering cutting-edge solutions, I bring a wealth of experience to empower our company's growth and customer satisfaction.
• My strategic vision revolves around harnessing the latest advancements in fintech, data analytics, and artificial intelligence to streamline loan origination, underwriting, and customer engagement processes. I am dedicated to enhancing operational efficiency, reducing risk, and ensuring regulatory compliance while delivering a seamless and secure digital experience to borrowers.
• I thrive on the challenge of staying ahead in a dynamic market, implementing robust cybersecurity measures, and optimizing our tech infrastructure to support our mission of providing accessible and affordable personal loans. Let's collaborate to transform our NBFC into a tech-driven leader in the personal loan industry.

Mar 2023 – May 2024 · 1 yr 2 mos · New Delhi, Delhi, India · On-site

• 1. Develop the technical vision and strategy for the company
• 2. Ensure technical strategy aligns with overall company goals
• 3. Constant awareness of science and technology trends
• 4. Develop and implements the company’s technology
• 5. Collaborate with vendors and suppliers
• 6. Supervise software testing and deployment
• 7. Hire and mentor technical employees
• 8. Identify and manage key performance indicators
• 9. Build relationships with investors, partners, and customers

Aug 2022 – Feb 2023 · 6 mos · New Delhi, Delhi, India

• Technology Analyst
• Integration Architecture
• Fintech Product Development
• Fintech Product Strategy
• Data Analysis
• Product Roadmap
• Server Management
• Manage SDLC
• Software Security/AppSec

Nov 2021 – Aug 2022 · 9 mos · New Delhi, Delhi, India

• Working as Technology Head of the company
• Handling team of 7+ members in IT Team
• Product Analysis & Development
• Handling complete customer acquisition to loan closure journey
• In-house CRM/LOS/LMS Development
• In-house Mobile Application Development
• 150+ operation users handling pan India
• Client Communication / Vendor management
• About Loanwalle.com
• Loanwalle is a modern and famous well-developed platform which provides pure online personal loan service with high quality to its users. Users submit their profile and loan application on their own mobile phone. Loanwalle.com sanction and disburse cash quickly to users bank account. With our excellent financial technology, eligible users could get money easily and quickly. The average processing time from loan apply to disbursal success is less than half an hour, which has a leading position in the personal loan field.

Aug 2018 – Oct 2021 · 3 yrs 2 mos

• We are a leading creditech company in India. Rupeepower's credit origination platform (CreditOn) has enabled lending institutions disburse upwards of INR 20,000 crore (~ USD 3 bn) of credit over the last 5 years. Our customers include Kotak Mahindra Bank, State Bank of India, RBL Bank, Standard Chartered, Fullerton Capital, Yes Bank, Mahindra Finance, Edelweiss & PNB HFL. CreditOn enables lenders in customer acquisition, credit assessment, KYC & loan processing across credit products - personal loans, credit cards, auto loans, SME loans, small housing loans. The platform marries real-time credit decisioning, fraud detection & digital KYC with sales & underwriting workflows, while exposing these services to lenders'​ sales, digital & banking channels via APIs, mobile apps & microsites.

Apr 2016 – Aug 2018 · 2 yrs 4 mos

• RupeePower is India's leading marketplace and customer acquisition platform for retail loans and credit cards. Founded in 2011, we have served over 150,000 customers in getting the financial product that best suits their individual need for speed, price and ease, while generating concrete business results for some of the largest Indian and global banks.
• Today RupeePower offers customers in India the widest choice of personalized loan quotes (home loans, personal loans, auto loans, consumer loans) and credit card offers & provides customer acquisition, decisions platforms to major lenders like ICICI Bank, Standard Chartered Bank, State Bank of India, PNB HFL, Kotak Mahindra Bank, Aditya Birla Financial Services & RBL Bank.
• Based out of Gurgaon, we engineer products, tools, apps & user experience for customer acquisition, offers and pricing, instant credit decisioning, analytics.
• With Snap-deal coming on board as a majority investor in Rupeepower (Feb 2015) and buy back majority from Snap-deal on Aug 2016, that we called progress and growth, we are creating synergies, scale and a disruptive credit disbursal model that combines speed and precision in matching customers with lending institutions.

Oct 2014 – Mar 2016 · 1 yr 5 mos · DLF Tower,Jsola, Delhi

• Working on Application Development using CakePHP.
• Reviewing current systems
• Presenting ideas for system improvements, including cost proposals
• Working closely with analysts, designers and staff
• Producing detailed specifications and writing the programming codes
• Testing the product in controlled, real situations before going live
• Database analysis and optimization
• Maintaining the systems once they are up and running

Jan 2013 – Sep 2014 · 1 yr 8 mos · Rohini,Delhi

• Extensively work in Web Application development using Core PHP, MySQL, Ajax,Mobile Web Services, JavaScript, jQuery, JSON and Database Design and Analysis.
• Web Application Development: Core PHP , Customize MVC
• Database: MySQL
• Website Development: XHTML, CSS, JavaScript, Jquery, Ajax, Highcharts
• SMS Gateway Integration
• Payment Gateway : CCavenue, PayU, HDFC, ICICI, AXIS
• API Implementation: Google, Facebook and Twitter
• Editor Tool: NetBeans
• Version Control Tools : SVN
• Editor Implementation on Website: Bootstrap, CK editor
• Third Party Integration: Mandrill Email Api , SMTP Email