---
title: "Vivek Kumar - Head of Engineering in Bengaluru | Tal"
description: "Meet Vivek Kumar, Head of Engineering @ BYLD Wealth | Building multi-agent AI systems for fintech | ex-CRED · ex-Directi(Zeta) · ex-Aspora(YC W22) based in Bengaluru. AI stack includes anthropic apis, claude code, and claude."
image: "https://tal.club/meet/vivek-kumar-38/share-image"
---

# Vivek Kumar on Tal

## Headline

Head of Engineering @ BYLD Wealth \| Building multi\-agent AI systems for fintech \| ex\-CRED · ex\-Directi\(Zeta\) · ex\-Aspora\(YC W22\)

## About

Most AI agent demos break the moment you point them at real money\. I make sure ours don't\. I'm Head of Engineering at BYLD Wealth, where we're building AI\-first wealth management for India's High Net\-Worth Individuals\. The stack is multi\-agent systems — portfolio intelligence, Account Aggregator data, advisory workflows — all operating under SEBI RIA compliance and the DPDP Act\. When your agent handles someone's financial data, there's no room for hallucinated refactors\. My path here: one of the earliest engineers at CRED \(payments, checkout, OMS\)\. Led engineering at Vance \(YC W22, $93M raised\) across cross\-border remittance, NRI investments, and neobanking\. Designed inventory systems at Partnr managing 150Cr\+\. Shipped BBPS infra at Zeta/HDFC PayZapp\. Currently deep in agent orchestration — context compression, memory hierarchies, permission\-gated tools, state recovery\. I spend 6\-8 hours a day inside Claude Code building these patterns\. I write about production AI architecture\. If you're building agents, doing fintech infra, or want to join a team working at this intersection — reach out\.

## Location

Bengaluru

## AI stack

anthropic apis

claude code

claude

codex

hermes agent

langchain

## Work experience

Head of Engineering at BYLD Wealth, Dec 2025 \- Present · 10 mos, Bengaluru, Karnataka, India

Founding Lead Engineer at Partnr, Mar 2024 \- Nov 2025 · 1 yr 9 mos, Gurugram, Haryana, India

Founding Member & Head Of Engineering at Vance \(YC W22\), Apr 2022 \- Nov 2023 · 1 yr 8 mos, Bengaluru, Karnataka, India

Tech Consultant at Vance \(YC W22\), Jan 2022 \- Apr 2022 · 4 mos, Hybrid

SDE 2 at Zeta Suite, Sep 2021 \- Apr 2022 · 8 mos

Co\-Founder & CTO at Pupkitt Pet Care, Nov 2020 \- Jan 2022 · 1 yr 3 mos, Ludhiana, Punjab, India

## Education

Bachelor of Technology \(B\.Tech\.\), Computer Science & Engineering, Dr\. B\. R\. Ambedkar National Institute of Technology \(NIT\), Jalandhar

B\.C\.M\. Sr\. Sec\. School\. Sec\-32, Chd\. Road, Ludhiana

[View the original profile](https://tal.club/meet/vivek-kumar-38)

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