About
🔹 Co-founder | CTO | Tech Strategist | Lending,BFSI,FinTech,Manufacturing Domain Expert 🔹 Specialising in Java, AWS, Mobile & Web Apps, GenAI, Voice AI and IoT As a hands-on technology leader and Co-founder, I bring over 20+ years of experience building scalable, secure, and customer-centric digital products. My core strength lies at the intersection of deep domain expertise in lending and manufacturing and cutting-edge technology leadership. 🏆 Key Career Highlights: Solution Architect for Home Loan LOS at Kotak Mahindra Bank – a solution successfully used for 15+ years. Architect of Indus Software’s core LOS platform, powering multiple financial institutions. Built cutting edge lending solution for digital NBFCs. Technology and business consulting to multiple startup’s. Implementation Lead for enterprise-wide Debt Collections solutions at some of the biggest names from NBFC/Banks in India and abroad. Lending Technology Expert with global experience designing, architecting, and implementing lending platforms, collections, and digital onboarding systems. Program management/Solution Architecture for Helsinki Metro Sales & Ticketing System 🚀 What I Do: Architect and scale enterprise-grade web, mobile, IoT platforms Drive cloud-native transformations using AWS Leverage Generative AI and Voice AI to create intuitive, multilingual user experiences Spearhead agile product development from idea to launch Build and mentor high-performance tech teams 🧠 Tech Stack & Specialties: Java | Spring Boot | AWS | Flutter | React | MySQL | PostgreSQL | GenAI (LLMs, RAG, TTS, STT) | Voice AI | System Architecture | CI/CD | Microservices | IoT 🏢 Domains: Digital Lending: Underwriting automation, collections, KYC, voice bots Manufacturing: Workflow digitization, voice-driven reporting, ERP integrations 🎯 Vision: I’m passionate about building cost-efficient, voice-first AI platforms that simplify operations for MSMEs and enterprises alike—especially in Indian languages, with a focus on real-world ROI. Let’s connect if you're building in lending, manufacturing, or voice-based digital solutions.
Work experience
Co-Founder at Yutrix.io, Jan 2026 - Present · 7 mos, I lead both Technology and Business at Yutrix, where we specialize in crafting bespoke solutions for the lending ecosystem. In an era shaped by GenAI, the traditional “one-size-fits-all” approach is obsolete—engineering today is no longer a constraint, but a powerful enabler of highly tailored, intelligent systems. With over two decades of global experience in architecting and implementing lending platforms, we bring deep domain expertise and a forward-looking mindset. This positions us uniquely to partner with NBFCs and lenders in reimagining their business models, modernising their technology stacks, and unlocking new growth through AI-driven transformation.
Co-founder & CTO at Fintaar Technologies Pvt Ltd, Sep 2021 - Present · 4 yrs 11 mos, Pune, Maharashtra, India
Vice President at EbixCash, May 2015 - Sep 2021 · 6 yrs 5 mos, India, Providing delivery/solutions/technology leadership for lending products implementation across NBFCs and Banks
Delivery Head at Tieto, Feb 2009 - May 2015 · 6 yrs 4 mos, Pune Area, India, Delivery/Technology Management for Intelligent transport systems deliveries -IoT stack
Solutions Architect at R Systems, Jan 2006 - Dec 2008 · 3 yrs, Solution Architect for Loan Originations Product on J2EE stack
Development Lead/Lead designer/Business Analyst at R Systems, 2000 - Dec 2006 · 7 yrs, Solution architect for loan originations project deliveries. Business analyst for Mortgage domain. Design and implementation for cash IRR changes, Inventory funding, Securitization and many other key changes across LOS and LMS.
