Experience

• Own the AI product roadmap for the lending platform: identifying credit and operations workflows where AI removes manual effort, defining requirements with credit and risk stakeholders, and sequencing the build.
• Designed and launched four AI capabilities into live lending workflows (CAM Automation, Bank Statement Analyzer, Financial Statement Reader, Document Analyzer), each with PII-risk handling built into the data flow.
• Architected an end-to-end straight-through-processing journey for existing-to-bank customers across multiple product nuances, targeting a 90% TAT reduction.
• Leading a USD 1M+ engagement end-to-end: requirements gathering, solution architecture and Agile delivery.

• Integrated the platform's first AI components into production lending workflows: CAM automation, AI BSA for automated financial spreading and borrower analysis, and an AI chatbot for natural-language querying of loan data and policy guidelines.
• Closed a USD 1M+ deal end-to-end, independently leading proposal authoring, product demos, stakeholder meetings and onsite presentations to client leadership through to signed contract. The largest single deal won in this tenure.
• Led a team of 5 across 5 concurrent end-to-end LOS implementations for global clients valued at USD 1M+, owning scope, budget and timelines to achieve on-time go-lives.
• Architected a Report Generator module with API integrations, model formulation and parameterisation to automate MSME credit underwriting workflows.
• Spearheaded standardisation and a UX revamp of the LOS through continuous user research and workshops, targeting 20% TAT reduction and 30% faster implementations.
• Ideated and formulated a Loan Collections module for a global client and converted the idea to a signed deal within two months.
• Authored 15+ proposals across LOS, Mobile LOS, Collections and Collateral Management, representing a USD 7M+ pipeline.
• Led pre-sales discovery workshops with CXOs and functional heads across India, Bhutan and Sri Lanka, drafting customised credit appraisal transformation solutions.
• Delivered UI/UX upgrades targeting 15% faster loan decision turnaround and upgraded the digital onboarding channel to cut clicks-to-complete by 30%.
• Delivered training, hyper-care and handover artefacts (FSDs, SOPs, user manuals, video walkthroughs) enabling over 95% task self-service by client operations teams within 30 days of go-live.

• Built and enhanced FinnOne Neo, Nucleus' customer acquisition system covering the full lending lifecycle from lead generation to disbursement, for a Middle Eastern banking client.
• Led 5 engineers through Agile delivery of 10+ major product customisations aligned to banking requirements.
• Built a digital parsing solution for loan application migration between data formats (95% faster) and a script migration tool that cut data migration from one day to ten minutes.
• Automated code debugging through a custom UI tool, cutting development time 90%; transformed the code-review system impacting 1,000+ employees.
• Architected a three-tier environment structure (Local, Smoke, Quality), reducing performance defects 70%; standardised development templates cut developer idle time 90%.
• Presented product insights and customisation proposals to CXO-level stakeholders at cross-border banking clients.

Defined the IT vision for a debt collection product, built the product architecture to enhance UX, and designed a data enrichment engine that improved decision accuracy.

Built a business portal to digitise customer order processing, targeting an 80% reduction in order processing time.