About Me
Senior Product Manager for lending and AI. Banking technology builder. Consultant and mentor.
I build credit products that move money, reduce risk and make lending faster for the people who run it.
I am a product manager with around five years in banking technology. Today I own the AI product agenda for an enterprise lending platform at Care Analytics and Advisory, part of the CareEdge Group, where I have launched five production AI capabilities across credit appraisal, document intelligence and conversational access to loan data.
I own the full arc of a product: use-case discovery with credit and risk teams, requirement definition, roadmap and prioritisation, Agile delivery with engineering, credit and operations, and adoption after go-live. Because the environment is regulated, PII-risk handling is designed into every AI component I ship, and credit, risk, operations and technology stakeholders are aligned at CXO level before anything goes live.
I am commercially fluent. I independently closed a USD 1M+ deal end-to-end and have authored 15+ proposals representing a USD 7M+ pipeline. My lending domain runs across loan origination systems, MSME and SME underwriting, collections, digital onboarding and KYC/KYB, delivered in India, Sri Lanka, Bhutan and the Middle East.
Before product I was a developer. I spent three and a half years building FinnOne Neo at Nucleus Software, which means I understand what I am asking engineers to build and why it is hard. I read a lot, sketch a little and write when something is worth saying.
The method is not tied to lending. Discovery with the people who do the work, requirement definition, prioritisation, Agile delivery and adoption after go-live are the same job in a payments app, a logistics platform or a SaaS tool. Lending is where I have used it most, under regulation, which is the hard setting.
This website is my own work as well. I designed both views, wrote the copy and vibe-coded the HTML, CSS and JavaScript with Claude Code, which is as good a product sample as any case study.
Off the clock I play chess, follow aircraft and aviation more closely than is reasonable, and lose evenings to FIFA.
Quick Profile
Three habits that keep showing up
Start with the workflow, not the feature
Every AI capability I have shipped began by sitting with credit or operations teams and finding the manual step everyone resented. The use case came from the floor, not the roadmap.
Measure what the sponsor already tracks
In lending that is turnaround time. Ten percent here, twenty percent there, ninety percent on a straight-through journey. Numbers the business recognises are what fund the next build.
Design for the regulator in the room
PII handling, auditability and a human as the author of record are product features, not compliance chores. They are what get AI through risk and security and into production.
Awards, Certifications & Honours
Professional Scrum Product Owner I
PSPO I certified. Agile and Scrum are how my teams ship, from backlog refinement to sprint reviews with client stakeholders.
Star of Quarter, twice running
Two consecutive quarters, recognising ideation, client delivery and user research on the lending platform.
Four consecutive above-average appraisals
Sustained top-band performance across two companies, from engineering through to product leadership.
SPOT Award & Most Innovative Team
SPOT Award for transforming the code-review process across 1,000+ employees. Most Innovative Team at the NSEL Annual Ceremony for a cross-border implementation.
AIR 5,240 in JEE Advanced
Top 0.5 percentile of 1.2M+ applicants. B.E. from BITS Pilani with a pre-placement offer from Nucleus Software, then a PGPM from SPJIMR Mumbai.
Built and scaled a multi-cuisine café
₹2.5L+ revenue in four months. An ERP implementation cut inventory cost from 55% to 45%. My first lesson in unit economics came with a kitchen attached.