Engineer. MBA.
AI Builder.

From Code to Capital

A 13-year arc from computer science to the CEO's office — building products, scaling loan books, and shipping AI across three continents.

2022 — Present

Assistant Vice President, CEO's Office

Clix Capital · Gurugram

Built the co-lending business from zero to ₹400 Cr in 12 months, contributing 40% of company PAT (₹35 Cr) in FY25. Launched Small Business Loan (₹0→₹10 Cr/month) using first-ever scorecard underwriting. Self-built 7 AI tools at zero cost — RAG bots, AI callers, NLP SQL agents, sales prospecting utilities, and personal brand agents — all deployed in a regulated lending environment.

2019 — 2022

Senior Product Manager · Digital Lending

DMI Finance · New Delhi

Scaled the loan book from ₹1,200 Cr → ₹4,300+ Cr in 3 years with zero additional headcount, creating ₹60 Cr/annum in operational efficiency through automation. Grew Samsung disbursals 4X (₹100→₹400 Cr/month). Established 100% digital API partnerships with Google Pay, Airtel, Jio, and Reliance Retail. Built end-to-end digital KYC stack reducing false rejects by 80%.

2014 — 2018

AVP, IT Business Analyst

Citibank · Singapore

Promoted 3 times in 3 years (Asst Manager → Manager → AVP). Achieved Rank #1 on Wall Street for Citi Velocity (82K+ users). Received Dazzle Award — top 100 out of 80,000 employees globally. Saved $2M in regulatory fines. Built an ML/NLP stock recommendation engine. Generated $1M in annual data license savings. Earned ISB MBA (Dean's List) concurrently.

2012 — 2014

Business Analyst

HCL Technologies · Singapore

Fast-tracked from Management Trainee to BA in 1 year (top 1% of trainees). Managed globally distributed team of 11 across 4 continents. Secured $150K follow-on engagement. Saved $300M bottom-line for a leading global bank through execution cost analysis.

Proven Delivery at Scale

Every role, every metric — verified outcomes that demonstrate P&L ownership, product leadership, and AI execution.

AVP Strategy & New Business (CEO's Office)

Clix Capital

Dec 2022 — Present

Problem Solution Outcome

₹0→₹400 Cr 40% PAT 7 AI Tools ₹35 Cr PAT Impact

• Scaled co-lending business from zero to ₹50 Cr/month in 6 months with a lean team of three
• Built ~₹400 Cr book in 12 months, contributing 40% of company PAT (₹35 Cr) in FY25
• Conceptualized & launched Small Business Loan — ₹10 Cr/month in 4 months (first scorecard underwriting)
• Self-built 7 AI initiatives at zero cost: DSA Visit App (4,000+ monthly visits), AI Caller POC, Clix LAP Policy RAG Bot, Teams AI Data Agent, LinkedIn AI Agent, AI DSA Finder, Real-time Payment POC
• Launched company's first Sales Management App for 100% digital on-the-go logins
• Optimized LAP LMS/LOS dashboards, saving 8 man-hours daily

Senior Product Manager

DMI Finance

May 2019 — Dec 2022

Problem Solution Outcome

₹1,200→₹4,300+ Cr ₹60 Cr/Annum 4X Growth 4,800X ROI

• Grew loan book from ₹1,200 Cr to ₹4,300+ Cr in 3 years with zero human resource ramp-up
• Created 4,800X improvement and ₹60 Cr/annum in operational efficiency and business value
• Increased monthly Samsung disbursals 4X (₹100 Cr to ₹400 Cr) via product expansion and 40% conversion improvement
• Established 100% digital API partnerships with Servify, Google Pay, Airtel, Jio, Reliance Retail
• Designed cross-selling programs scaling to ₹40 Cr/month; built 100% digital KYC stack reducing false rejects by 80%

AVP, IT Business Analyst

Citibank · Singapore

Jun 2014 — Apr 2018

Problem Solution Outcome

#1 Wall Street 3 Promotions Dazzle Award $2M Saved

• Achieved Rank 1 on Wall Street for Citi Velocity (market intelligence platform, 82K+ users)
• Increased client engagement by 15% via UI redesign; received Dazzle Award (top 100/80K employees)
• Developed ML/NLP-driven stock recommendation engine enabling target selling to 20K+ clients
• Saved $2M in potential regulatory fines; generated $1M annual data license savings

Business Analyst

HCL Technologies · Singapore

May 2012 — Jun 2014

Problem Solution Outcome

Top 1% $150K Engagement $300M Savings

• Fast-tracked from Management Trainee → Associate BA → BA in 1 year (top 1% of trainees)
• Managed globally distributed team of 11 across 4 continents
• Secured $150K follow-on engagement; saved $300M bottom-line for a leading global bank

7 AI Tools, Zero Budget, Regulated Environment

I don't just talk about AI strategy. I build it. Every tool below was self-developed and deployed at Clix Capital — a regulated NBFC — at exactly zero incremental cost.

AI That Ships Before Coffee

A few months ago I hit a wall. LinkedIn posts at midnight, inbox triage at dawn, research during lunch, portfolio site gathering dust. The AI systems I had built at work ran production workloads — but my own professional life ran on late nights. So I built an executive assistant. One that wakes up before I do, ships while I sleep, and handles the parts of my career that shouldn't need my direct attention.

I built it incrementally — each piece added because I needed it. The point is not that I automated my life. The point is that I build AI that ships, in banking and for myself. Same principle. Same engineer.

Tools & Platforms I Build With

Essays, Articles & Thoughts

Long-form writing and insights on AI, fintech, lending, product leadership, and the future of financial services.

The End of Banking-as-We-Know-It

Why AI-native lenders will eat the incumbents — a data-driven thesis from someone building it at a regulated NBFC.

LinkedIn Medium 30 May 2026

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How MCP Quietly Became the Infrastructure Layer of Global Financial Services

Every sector. Every use case. One protocol. A deep dive into MCP adoption across banking, wealth management, insurance, capital markets, and regtech — and why Indian financial services is missing the boat.

LinkedIn 2 Jun 2026

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The Hybrid Advantage: Why the Best Product Leaders Are Engineers Who Own P&L

Why the most valuable people in fintech sit at the intersection of code and commerce — a personal take on why building beats managing in the age of AI.

LinkedIn 10 Jun 2026

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