Headline

Fractional CTO & AI Advisor for Fintech/BFSI | 40x Revenue Scale | 14 Banks + 3 NBFCs | Lending, Collections & Enterprise AI | Founder, BriqVent.com

About

Fintech and BFSI teams rarely fail because they lack a roadmap. They fail in the gaps between product, engineering, compliance, GTM and enterprise delivery. I help founders, CEOs, boards and product leaders turn those gaps into scalable platforms, faster execution and measurable business outcomes. Across 15+ years, I have: • Supported 40x monthly revenue growth in 14 months at 68% gross margin • Scaled product, technology, data and AI teams from 11 to 100+ • Built platforms adopted by 14 banks and 3 NBFCs • Enabled INR 8,000+ crore annual client value across lending and cross-sell journeys • Automated 2,600+ hours/month and reduced bank onboarding from 75-90 days to 10-14 days Through BriqVent, I offer: 1. Fractional CTO / CPTO Advisory Technology roadmaps, architecture, execution governance, team design and build-vs-buy decisions. 2. AI Transformation for BFSI AI opportunity prioritization, RAG and agentic AI roadmaps, governance, evaluation and pilot-to-production plans. 3. Fintech Product Build-Out & Scale Advisory Lending, collections, cross-sell, customer journeys, enterprise integrations and GTM-supporting product design. Relevant background: former Chief Technology & AI Officer at Creditas Solutions, ex-Amazon, ex-American Express and MBA from ISB. If you are scaling a fintech platform, moving an AI pilot into production, or need senior technology leadership without adding a full-time executive: BriqVent: https://briqvent.com/ Strategy call: https://cal.id/amanbindal/strategy

Location

Greater Bengaluru Area

AI stack

claude code

codex

langgraph

livekit

Deepgram

OpenRouter

Work experience

Founder & Principal Advisor | Fractional CTO & AI Transformation at BriqVent.com, Jan 2026 - Present · 10 mos, India, Through BriqVent, I advise founders, CEOs and boards across fintech, BFSI, lending, collections and enterprise SaaS. • Fractional CTO / CPTO advisory: technology roadmaps, architecture, execution governance, org design, vendor and build-vs-buy decisions • AI transformation: opportunity maps, RAG and agentic AI roadmaps, evaluation, governance and pilot-to-production plans • Product build-out and scale: lending, collections, cross-sell, customer journeys, integrations and GTM-supporting product design Selected work: • Advanced 3 production RAG and agentic AI pilots to paid-stage discussions in 6 weeks • Designed lending and collections AI strategies targeting 25-35% recovery/conversion ROI lift and 30%+ lower automation leakage • Improved KYC and WealthTech journeys targeting 20-30% completion lift and 18% advisor productivity gains • Reduced AI product build time by 40% through architecture and evaluation discipline BriqVent: https://briqvent.com/ Strategy call: https://cal.id/amanbindal/strategy

Chief Technology and AI Officer at Creditas Solutions, Apr 2024 - Dec 2025 · 1 yr 9 mos, India, • Architected and deployed production-ready RAG (Retrieval-Augmented Generation) pipelines for major banks including HDFC, SBI, and 12 other institutions (14 banks + 3 NBFCs total), enabling secure, hallucination-free querying over sensitive financial data with 100% data localization and RBI compliance • Engineered multi-agent voice systems for debt collections achieving 95% intent recognition and human-level empathy, automating 70% of first-touch customer interactions, scaled to millions of call hours • Acted as Strategic AI Advisor to banking clients, defining long-term technology roadmaps, LLM stack selection (OpenAI, Anthropic, Llama), and ROI modeling for AI integration • Developed proprietary Agentic Middleware to orchestrate complex task handling between LLMs and legacy banking cores, ensuring 100% data localization and compliance • Launched white-label LTV platform (Loan-on-Card + EMI conversion) generating ₹8,000 Cr+ annual client value, deployed across 14 banks as core upsell engine • Owned P&L and designed usage-based pricing, delivered 68% gross margin while scaling team from 11 to 100+ • Closed 10 enterprise partnerships with revenue-share deals, reducing sales cycle from 9 months to 3 months (67% faster) • Led zero-trust security program, achieved PCI DSS, ISO 27001, ISO 27701 certifications, cut bank onboarding from 90 to 14 days, zero breaches for 8 years • Scaled engineering team from 11 to 100+ members; presented technology roadmaps and project updates to client boards to secure buy-in for major initiatives

Head of Artificial Intelligence at Creditas Solutions, Apr 2022 - Mar 2024 · 2 yrs, • Launched AI-powered compliance platform using NLP and Bayesian models, achieving 100% data localization and RBI compliance, reducing manual compliance review times by 88% while maintaining 95% accuracy • Integrated Multi-Armed Bandit (MAB) and Reinforcement Learning (RL) models into campaign tools, driving 128% user engagement lift, 34% cost reduction, and 31% incremental revenue lift through automated experimentation • Scaled autonomous voice agents to millions of call hours with 95% intent accuracy, automating 70% of first-touch collections without adding headcount • Built Voice-to-Text and Sentiment Analysis engine processing millions of hours of collections calls to extract actionable behavioral insights • Drove growth loops using real-time analytics, enabling data-driven decision making across AI product suite

Head of Product and Technology at Creditas Solutions, Apr 2019 - Mar 2022 · 3 yrs, • Led technology strategy that scaled monthly revenues by 40x in 14 months with 68% margin, positioning the platform as India's leading digital collections SaaS • Designed B2B white-labeled LTV Boosting Platform, adding ₹8000 Cr+ in value for banking partners through features like Loan on Cards and Limit Enhancements • Spearheaded API-first transformation securing 10+ strategic partnerships with banks and NBFCs for seamless data exchange

Product Manager at Coverfox Insurance, May 2015 - Dec 2015 · 8 mos, Mumbai Metropolitan Region, • Built lead quality optimization model leading to 2% reduction in leads but 30% increase in revenue • Developed lead scoring model that improved lead conversion by 50% • Designed post-sales system reducing TAT for service requests by 2 days and reducing escalations by 30%

Software Developer Engineer at Amazon, May 2011 - Apr 2014 · 3 yrs, Bangalore, • Managed pilot launch of email marketing programs across 11 countries, contributing to $150M annual revenue across US, European and Asian markets • Built capability for digital category inclusion by developing new data sourcing, filtering and processing techniques, increasing revenue by $40M and circulation by 15% • Set up big data architecture for consumer behavior analytics using AWS Services (S3, DynamoDB, EC2, EMR) • Reduced system runtime by 85% and rolled out 8 new programs in 6 months (300% increase in rollout rate) • Optimized customer targeting through advanced filtering algorithms and upgraded signals, improving revenue by $60M and engagement rate by 20% • Developed framework, analytics and reporting for mobile messaging experiment in China market • Improved customer experience, click ratio, open ratio and content generation for email marketing communications

Analyst at American Express, Jun 2010 - May 2011 · 1 yr, Gurugram, • Built risk scanner as part of the Risk Management team in Delhi, impacting $25M in fraud risk savings • Automated processes and optimized system scanners, reducing process time by 80%

Education

Master of Business Administration (MBA), Marketing Operations, Indian School of Business

Bachelor's degree, Computer Science, Netaji Subhas Institute of Technology