Functional Skills
Business Analysis
Business Development
Business Operations
Change Management / Org Design
Commercial Strategy
Corporate Finance
Data Strategy
Digital Transformation
Financial Management
Product Development
Product Strategy
Project Management
Regulatory Compliance
Strategic Planning
Business Unit Strategy
Software Skills
.NET Core
Artificial Intelligence
C++
Functional programming
Gemini API
GitHub
Java
Kafka
Linux
Machine Learning
Microservices
OpenAI
Python
Docker
Kubernetes
Sector Experience
Financial Services
Healthcare
Manufacturing
Retail
Technology
Countries Worked In
FI IN SA SG AE USCase Study
Case Studies
ZilMoney Digital Banking Platform – Case Study (Devin.ai & Claude IDE Implementation)
Financial Services
Digital Transformation
AI Agent Workflow Orchestration
AI Agent Design
Notable Clients
AT&T
Lockheed Martin
Metso
Owens Corning
Telia
Experience
Lifesignals.com
Corporate Strategy & Development
Business Strategy
11/2020 - Present
Designed and successfully implemented a fast-growing AI/ML-enabled e-health inpatient core vital sign analysis system through 2AX wireless biosensors that come with embedded AI for continuous life support. Our innovative technology is projected to cater to over one million patients and generate over $100 million in revenue in FY24-25. We aim to scale up and achieve $250 million in managed services revenue next year, providing reliable and efficient life support solutions to millions of patients from India, serving the digitization of government hospitals.
Blinklink.com
Product Management / Strategy
Founding Board Member
10/2022 - Present
1. Co-founded AI-driven video commerce platform incubated at Carnegie Mellon, building the world's largest influencer marketing network with diversified revenue from creator monetization and social commerce. 2. Architected global CDN infrastructure with 450+ edge locations, server-side rendering, and curative AI delivering instant load times and automated metadata optimization for video content. 3. Developed a comprehensive analytics platform tracking the entire conversion funnel from engagement to sales, enabling seamless integration of content, creators, and commerce for enterprise clients
CTO – CognitiveMind.AI, Inc.
Start-Up
Global CTO
12/2024 - Present
Proprietary MCP Agentic Learning platform with multi-LLM orchestration, achieving 91% AI tutoring accuracy, 30% higher assessment scores, and $15M projected revenue trajectory. 2. Built cash-flow positive SaaS from Day 1 with 228% IRR, 4-month payback period, and 14:1 LTV/CAC ratio while scaling globally across US, EU, MENA, and India markets. 3. Led distributed technical teams building microservices architecture with enterprise security (SOC 2, FERPA, GDPR compliance) and HRIS/SIS integration for global deployment
Zilbank.com, Zilmoney.com
Engineering
Consulting Chief Technology Officer
5/2024 - 6/2025
1. I led the end-to-end digital transformation of the company’s fintech platform, drawing on best-in-class architectures from leading payment and virtual card ecosystems (https://payrollbycreditcard.net, https://virtualcardmaker.com, zilmoney.com). 2. Led end-to-end digital transformation using AI coding tools (Claude.ai for design, Claude code, Devin, Replit), delivering AI-powered onboarding, embedded finance, and real-time compliance solutions. 3. Architected secure multi-cloud environments with enterprise-grade PII/PCI DSS controls while building revenue engines for supply chain finance and data monetization. 4. Managed global engineering teams pioneering prompt-centric coding cultures, ensuring IPO-readiness through rigorous tech governance and white-label partnerships
Tiller Capital
Corporate Strategy & Development
Global Chief Technology Officer
8/2018 - 6/2024
1. Built a global trade finance platform across Bangalore, Abu Dhabi, and NYC, serving the commodity trading ecosystem with a commodity-collateralized balance sheet and credit risk-insured lending. 2. Architected neo-digital bank serving brands, manufacturers, exporters, importers, and logistics operators with end-to-end credit solutions for global trading stakeholders. 3. Developed analytics-enabled, decentralized smart contracting framework disrupting international money transfer, trade commerce, and supply chain finance with secure blockchain technology
T-Mobile
Management Consulting
Technology Architect
5/2023 - 11/2023
1. Led digital payment platform transformation and vendor selection, replacing legacy TMO systems with modern architecture supporting e-commerce, mobile wallets, and multi-channel transactions
2. Architected forward-thinking system with PCI/PII data tokenization at source, delegating compliance responsibilities to specialized entities and reducing breach liabilities
3. Designed scalable payment infrastructure architecture handling diverse transaction types (cards, ACH, mobile, IVR) while ensuring enterprise-grade security and regulatory compliance
2. Architected forward-thinking system with PCI/PII data tokenization at source, delegating compliance responsibilities to specialized entities and reducing breach liabilities
3. Designed scalable payment infrastructure architecture handling diverse transaction types (cards, ACH, mobile, IVR) while ensuring enterprise-grade security and regulatory compliance
Omniyat Holding, LLC., Dubai
Product Management / Strategy
CTO-Amal.com
4/2021 - 7/2022
1. Led technology strategy for $300M multi-category digital marketplace with AI/ML logistics optimization, supply chain financing, and integrated digital banking services, positioning as industry leader in Iraq.
2. Delivered complete B2C eCommerce portal, amal.com, for the Iraq market, seamlessly integrating vtex.com, Oracle NetSuite ERP, Infor WMS, and multiple third-party platforms.
3. Architected payment gateway aggregation project integrating banks, billers, telecom companies, and fintech businesses across Iraq's financial ecosystem
2. Delivered complete B2C eCommerce portal, amal.com, for the Iraq market, seamlessly integrating vtex.com, Oracle NetSuite ERP, Infor WMS, and multiple third-party platforms.
3. Architected payment gateway aggregation project integrating banks, billers, telecom companies, and fintech businesses across Iraq's financial ecosystem
KanhaTech Solutions LImited
Corporate Strategy & Development
Founder and Chief Executive Officer
11/2011 - 3/2018
• Founded Reliance-backed SaaS startup delivering cloud solutions for mobile payments and banking, financial services, POS systems, and Visa/MC certified digital governance and compliance platforms.
• Delivered innovative hardware products, including Jio-Fiber LTE set-top box, cost-effective MiFi-router, Linux POS devices, and biometric e-KYC readers at least possible negotiated cost and BOM
• Led business and technology strategy creating jiomart.com, ajio.com, Reliance B2B marketplace, and Jio financials with integrated supply chain finance serving 350M+ users
• Delivered innovative hardware products, including Jio-Fiber LTE set-top box, cost-effective MiFi-router, Linux POS devices, and biometric e-KYC readers at least possible negotiated cost and BOM
• Led business and technology strategy creating jiomart.com, ajio.com, Reliance B2B marketplace, and Jio financials with integrated supply chain finance serving 350M+ users
JioMoney & Reliance Payment Bank
Product Management / Strategy
Founder
1/2011 - 1/2018
• Founded JioMoney fintech platform serving 350M+ users with fully integrated mobile branchless banking and multi-channel digital payment solutions
• Established sophisticated consumer data monetization engine with granular socio-economic, credit, purchasing power, and psychometric profiling
• Secured strategic partnerships with American Express, Visa, Mastercard, FIS Global, enabling nationwide B2B, B2C, and B2B2C mobile commerce
• Established sophisticated consumer data monetization engine with granular socio-economic, credit, purchasing power, and psychometric profiling
• Secured strategic partnerships with American Express, Visa, Mastercard, FIS Global, enabling nationwide B2B, B2C, and B2B2C mobile commerce
Fortune 100 Company
Engineering
Chief Technology Officer
1/2012 - 12/2017
Reliance Industries Limited: Mumbai, India (www.ril.com, www.jio.com, jiomart.com, ajio.com)
• Built initial Reliance Jio technology team of 120 engineers from scratch, crafting a comprehensive strategy for telecom BSS, banking, retail, commerce, and payments across the Jio ecosystem
• Managed $120M budget and established sophisticated consumer data monetization engine with granular socio economic, credit, purchasing power, and psychometric profiling
• Secured strategic technology partnerships with American Express, Visa, Mastercard, FIS Global, Samsung network, Infosys, and Cognizant, enabling B2B, B2C, and B2B2C mobile commerce nationwide
• Provided technical thought leadership as part of the executive team driving Jio's telecom, retail, and financial services strategy with McKinsey, www.jioMoney.com Fin-Tech program management with Deloitte, and regulatory compliance and risk management strategy with E&Y.
• Delivered the sophisticated consumer data monetization engine behind the RIL conglomerate, boasting granular consumer profiling capabilities encompassing socio-economic, credit, purchasing power, personality, psychometric, health, fitness, online, and social metrics.
• Built initial Reliance Jio technology team of 120 engineers from scratch, crafting a comprehensive strategy for telecom BSS, banking, retail, commerce, and payments across the Jio ecosystem
• Managed $120M budget and established sophisticated consumer data monetization engine with granular socio economic, credit, purchasing power, and psychometric profiling
• Secured strategic technology partnerships with American Express, Visa, Mastercard, FIS Global, Samsung network, Infosys, and Cognizant, enabling B2B, B2C, and B2B2C mobile commerce nationwide
• Provided technical thought leadership as part of the executive team driving Jio's telecom, retail, and financial services strategy with McKinsey, www.jioMoney.com Fin-Tech program management with Deloitte, and regulatory compliance and risk management strategy with E&Y.
• Delivered the sophisticated consumer data monetization engine behind the RIL conglomerate, boasting granular consumer profiling capabilities encompassing socio-economic, credit, purchasing power, personality, psychometric, health, fitness, online, and social metrics.