📧 [email protected] 📞 +91-7358050632 · LinkedIn · GitHub ·
I'm an FSB moving into the agent era.
I spent the last few years building credit infrastructure — the LOS and LMS systems that MFI and MSME lenders use to originate, underwrite, and manage loans at scale. I've worked across the full credit lifecycle: Account Aggregator-powered underwriting flows that pull consented borrower data in real time, credit decisioning logic, and the loan servicing layer that keeps a portfolio healthy after disbursal. I understand the compliance constraints, the edge cases, and the operational weight that comes with financial products.
Now I'm focused on what's next: AI-enabled systems where agents handle workflows that we once did manually underwriting decisions, regulatory parsing, loan servicing nudges. The problems I care about are the same. The tools are changing fast.
Outside of work i spend time on my passion projects like Nominee Ninja (national hackathon winner, working code); Family Funds; and RegVision - an AI-enabled regulatory intelligence tool currently in progress.
Fintech & Lending : MFI and MSME credit infrastructure: LOS, LMS, Account Aggregator pipelines, RBI-adjacent compliance. I know where these products break and why.
AI-enabled systems & the agents era: I'm building toward a world where agents handle underwriting logic, regulatory parsing, and loan servicing workflows. I think in systems.
Won the BuildAAthon — a national hackathon hosted by Sahamati and DevFolio. Built a working product end-to-end with my team in under 48 hours. Live demo featuring the team is available.
The Problem
Unclaimed financial assets in India hit ₹78,213 crore as of March 2024 — a 26% YoY increase. The root cause isn't fraud or negligence alone. It's structural: nominees don't know they're listed, account holders forget they have accounts, and there's no single place to manage either.
Three specific failure points: