Greater Bengaluru Area
Enterprise Architect, Technology Leader and Consulting Partner, with 32+ years delivering First-of-Kind platforms across BFSI, FinTech, and RegTech. Architect of India's ULI (Unified Lending Interface) for RBI, is a landmark public tech platform enabling frictionless credit delivery at population scale. Designed and implemented GBS, an integrated core banking (Finacle Partner) solution handling around 16% of total national government collections (Taxes, Customs, Bonds, and Pensions). Originally integrated with Finacle CBS, this high-impact system continues to be relevant and an industry standard for 22+ years, providing critical data for national budget forecasting. Currently designing and delivering multi-stage Data Lakehouse and analytics platform for ESAF Bank, combining React & Apache open source stack, with Oracle GoldenGate, Apache Spark with GreatExpectation for ETL pipeline with data governance, PowerBI &React D3 charts for multi-dimensional reporting and real-time analytics. Architected & delivered ULI (Unified Lending Platform) for RBI, integrating all the nodal and 3rd party services into a singular micro-services platform catering to KCC, MSME, Dairy, Home Loan journeys for all regulated entities & lending organizations, governed by RBI Designed Canara Bank's multi-million dollar multi-year master SI engagement as lead solution architect Built mVikarsha™ & mVPay™, first of a kind rural assisted e-commerce platform and real-time payments and settlements reconciliation platform, connecting 1,400+ rural agent stores, 6000+ India Post Postoffice, to 18,000+ product vendor marketplace, across Tier II – Tier V towns and village centers in India Designed Swanari Gender Data Observatory for RBI — multi-source real-time analytics dashboard segmenting primary data feed from financial institutions and secondary data from various research publications and national survey boards Strategy planning and execution at Kyndryl for BFSI Industry, covering both Technical and Functional domains, through GenAI Agentic modelling, Data Monetization Platforms, and Quantum ML applications in Financial Fraud Detection, along with architectural interventions for enterprise-wide observability from CX services to channels to application to database to underlying IT Infrastructure layers Core expertise: GenAI & Agentic AI Platform Design, Data Lakehouse Strategy, Microservices & Zero-Trust Architecture, Cloud-Native Platforms (AWS, multi-cloud), Quantum ML Research, BFSI Regulatory Compliance, Energy Utilities, Staffing Contracting Billing & Payroll Management.
As Enterprise Platform Architect, for ESAF Bank, ODS MIS Analytical platform with Enterprise-wide Data Lakehouse, domain data models, autonomous ETL monitoring & governance agents, curated Insights, designed with Oracle & Apache tech stacks, part of the biggest Digital Banking transformation taken up in India in recent times As Principal Fintech Architect, for ULI — Unified Lending Interface (RBI Innovation Hub). Designed India's first open, interoperable, zero-trust lending data platform; pilot launched by the RBI Governor, August 2023. Platform enables STP onboarding of banks, NBFCs, and RRBs directly into lending product journeys. The public tech platform is interoperable empowering RE's to have fact based risk modelling feeds to their BREs. Also designed FoAK, innovation of autonomous onboarding of regulated entities to ULI, so they can integrate from within their lending product journeys such as Dairy loans, Kissan Credit, MSME loans, Home loans, Retail loans etc., enhancing key procesess to become digital native journey. As Enterprise Applications Architect was instrumental in successful conversion for the largest multi-million $ multi-year contract for Kyndryl India as Master SI, for Canara Bank’s mission-critical IT systems. Successful solution design and pitch of Kyndryl as Canara Bank’s service value chain partner, with key focus in modernising their IT Operations and Service delivery across all applications, enhancing site reliability through strategic AI infused observability and ITSM tools resulting in predictable and self-healing APM systems. Designed and delivered, Swanari Gender Data Observatory SGDO, for RBI, a multi-stakeholder dashboard - dwelling deep into current state of gender aggregated financial inclusion state and priority sector policy implementations; Collaborated with market researchers, wrangling secondary data sources, real-time financial feed from banks and analytical reports of domain consultants & financial regulators.
Led Digital banking consulting for a leading bank out of Trinidad Tobago, part of a USD $6 billion conglomerate ANSA McAL. starting with assessment, selection recommendation, requirements scope discovery, followed with - design delivery and implementation of the end-to-end Digital Banking Platform, integrating with Temenos T24 core banking, BPC SmartVista cards platform and a multitude of Fintech, regulatory and merchant ecosystem partner solutions. Extreme Agile methodology with multiple sprints aligned with the custom drops of integrating platforms, catering to the business plan objectives. Middleware deploying Springboot framework integrating with TAFJ API & RestFul API stack, on a managed solution cloud deployment, with regional ring fencing for regulatory and performance requirements Enterprise Architect and Onsite Program lead, FoAK (First of A Kind) for HELSB, digital student finance management system, Zambia, HESFMS, delivering Finnate platform for full Loan and Scholarship management and accounting lifecycle, covering application to processing to approval to disbursements and recoveries, with associated accounting, finance and reporting with dashboards designed for various stakeholders, including Students. Supporting multiple digital channels - Web, Mobile, Conversations, integrating with key stakeholders like Banks, Revenue Authority, Pension Authority, Immigration Authority, Higher Educational Institutions in Zambia and International Universities through their Embassy educational attache, for near real-time data exchange
Built from ground up a $ 10+ million USD, Global Practice for Staffing People & Payroll Centric Product Suite 'SRP' (Services Resource Planning), catering to global services organizations like Adecco, Allegis, Hays, Robert Half, JSW, DMart, etc., The SRP suite comprises solutions enabling enterprises and Industrial houses in managing their Core HR, Recruiting, Staffing, ATS, Sourcing Strategies, Time & Attendance, Expenses, Leave Mgmt., Performance Mgmt., Talent Mgmt., Professional Services, Vendor Mgmt., Contract Contingent Workforce Mgmt. along with Statutory Payroll and Compliance, for their global teams; their contractors; as well for their end clients; Leading the Group's Digital Transformation Journey, involving, Greenfield in-house Innovations in Machine Learning, Actionable Intelligence, Contextual Analytics, Bots & Mobility for Ramco's global clientele. Enabling Ramco & Ingenico to integrate at payments platform level, so as to jointly GTM as a global collections and payments solutions providers for B2B and B2B2C clientele alike.
Built ground up - Price Discovery, Market Maker Auction - Reverse Auction exchange platforms, with price Prediction modeling, and Mobility Application with : Open source frameworks - using Angular JS, React JS & Node JS with NGINX for scale; Ad Exchange Platforms - DSP's & SSP's - DoubleClick, AppLift; Mobility - Phonegap / Cordova, Native Android, Objective-C, Switch for iOS; JQuery, HTML5 CSS; Core Java Spring Hibernate, Python in server side; Microservice containers & RESTful API Web Services with JSON, NoSQL; Analytical data modeling with BigData, R & Hadoop
Enterprise Archiect for Capability, Scalability Technical due diligence & deployment readiness, of a digital mobility platform, for a cross-continental International Remittances Exchange group. Part of their global digitization road map, the digital wallet is to use Java Spring, Python, Hybrid Stack, Native Mobility apps, with NFC support & digital cards issued by VISA; Also to validate, future readiness to support peer-to-peer payment models, including Crypto assets / tokens through market makers like Ripple, Stellar, supported through Smart contracts for near real-time cross-border remittances, settlements and instantaneous reconciliation The wallet platform is to scale by adopting Micro Services Architecture and AWS, induct Service Bots, for enabling Remittances, Bill Payments, mPOS, Merchant Payments Switch, Payroll Payments etc., Eventually this platform has been made replicatable, resulting in a holding management company of the platform, lauching into one or more countries per quarter, starting with domestic & cross-border remittance license arrangements. along side partner ecosystem in the destination countries receiving the remittances, for bill payments and services