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Chief Technology Officer with 10+ years in Fintech & SaaS Platform Leadership
VP of Technology with 10+ years building fintech and SaaS platforms at scale. Currently leading a 15-engineer team at AdvaRisk, where the platform covers 250M+ property records across 15 Indian states. Prior to this, spent 5 years at Easebuzz shaping payment infrastructure - tokenization, POS, BIN management, and KYC - all under PCI-DSS and RBI compliance. Strong on both technical depth (AWS, Python, distributed systems) and execution (AOP planning, OKRs, sprint delivery). Experienced working directly with banks, NBFCs, and enterprise clients, and comfortable in investor and board-level conversations.
Symbiosis Institute of Computer Studies and Research
Master of Science · Computer Applications
August 1, 2014 – June 30, 2016
C.B. Patel Computer College
Bachelor of Computer Applications
August 1, 2011 – June 30, 2014
AdvaRisk (SLO Technologies Pvt. Ltd.)
Vice President – Technology
March 1, 2025 – Present
Pune, Maharashtra, India
Easebuzz Pvt. Ltd.
Principal Engineering Manager
April 1, 2020 – March 1, 2025
Pune, Maharashtra, India
Easebuzz Pvt. Ltd.
Senior Software Engineer
October 1, 2017 – March 1, 2020
Pune, Maharashtra, India
SRV Media Pvt. Ltd.
Senior Software Engineer
April 1, 2017 – September 1, 2017
Pune, Maharashtra, India
SRV Media Pvt. Ltd.
Software Engineer
May 1, 2016 – March 1, 2017
Pune, Maharashtra, India
AdvaNPA – NPA Investigation & Recovery Platform
March 1, 2025 – June 30, 2026
Led development of a forensic analytics and asset discovery platform enabling financial institutions to recover ~Rs 7,000 crore in banking exposure. Integrated alternate data sources and proprietary algorithms to identify borrower assets, promoter connections, and hidden liabilities for loan default recovery. Built automated investigation workflows for corporate borrowers, promoters, and guarantors — delivering fast, accurate, and scalable risk assessment. AdvaRisk is the first startup empanelled by the Indian Banks' Association (IBA) to investigate frauds and monitor large corporate portfolios.
AdvaSmart - Real Estate Collateral Management Platform
March 1, 2025 – June 30, 2026
Architected India's first real-time collateral management platform covering 250M+ unique property and land records across 15 states. Automated property onboarding, title chain building, encumbrance checks, and portfolio monitoring workflows for banks and financial institutions. Designed a One API integration layer eliminating the need for individual state-specific API integrations, drastically reducing client onboarding complexity. Achieved 95% reduction in Turn-Around Time (TAT) and 90% reduction in operational cost compared to manual collateral management processes. The platform is ISO 27001:2013 certified, ensuring highest data security standards required by enterprise banking clients.
BIN Management System & Dynamic Routing
April 1, 2020 – March 1, 2025
Developed seamless integration with banks and card networks (Visa, MasterCard, NPCI) by acquiring BIN data via APIs, enabling precise card categorisation and transaction routing. Scaled the system to handle 1 lakh+ card transactions daily using a caching mechanism (Redis), reducing response times to under 200ms. Built a high-performance parser capable of uploading 1 million BIN records in under 2 minutes, significantly improving data processing efficiency.
Verification Suite – KYC & Compliance APIs
April 1, 2020 – March 1, 2025
Developed robust APIs for Aadhaar Masking, GSTIN Search, PAN Extraction/Verification, Bank Transfer, Cancelled Cheque Extraction, VKYC, and merchant onboarding. Automated KYC checks reducing onboarding team effort by 25%; integrated Central KYC (CKYC) to detect genuine merchants and mitigate fraudulent activities. Centralised KYC system capable of handling 5,000+ document submissions daily with real-time and asynchronous verification including penny drop, PAN, and GST validation.
Guest Checkout & Tokenization Management System (TMS)
April 1, 2020 – March 1, 2025
Developed and led implementation of a highly secure Tokenization Management System (TMS), collaborating with Visa, MasterCard, NPCI, banks, and Token Service Providers (TSPs). Ensured no raw card data is passed during transaction processing, significantly enhancing security and PCI DSS compliance. Achieved 5% increase in transaction success rates by optimising payment workflows and reducing processing latency. Designed a scalable system architecture capable of handling 5 lakh+ card transactions daily while ensuring optimal performance and reliability.
PG Connector – Wix, Zoho & Shopify
April 1, 2020 – March 1, 2025
Developed Payment Gateway connectors for seamless integration with Wix, Zoho, and Shopify platforms, enabling a 2% increase in transaction volume. Increased merchant onboarding speed by 20% by eliminating manual intervention; seamlessly onboarded 800+ merchants through APIs. Delivered the solution in under two weeks under high-pressure deadlines, earning global recognition from the Wix team.
Dakiya – Task Execution & Notification Engine
April 1, 2020 – March 1, 2025
Built the Dakiya task execution system to efficiently manage and prioritise tasks fetched from an SQS queue, handling 10 lakh+ emails, SMS, and webhooks daily. Implemented a robust retry and recheck mechanism ensuring 99.9% task completion success rate with quick identification and rectification of failures. Designed for scalability with the ability to trigger 100+ emails per minute, ensuring optimal performance and seamless future growth.
Auth - Central SSO & Authentication Service
April 1, 2020 – March 1, 2025
Developed a Central Single Sign-On (SSO) system for all in-house products and merchant mobile apps with a locking mechanism after 3 failed login attempts. Handled 1,200+ daily signups through the authentication service with an optimised signup API achieving 300ms latency including background checks and webhook triggers. Implemented advanced tracking for IP addresses, User-Agent strings, and user behaviour patterns for anomaly detection and proactive security monitoring.
AWS Certified Solutions Architect – Associate
AWS
October 1, 2024 – Present
Winner - FinHive'24 Hackathon
AWS
October 1, 2024 – Present
Star Performer Award
Easebuzz
April 1, 2018 – Present
Employee of the Month
Unknown
May 1, 2016 – Present
Cultural Fit Analysis
The candidate's diverse project portfolio across fintech (collateral management, NPA recovery, payment gateways, KYC) and SaaS, coupled with experience in leading cross-functional teams, indicates a strong cultural fit for a dynamic, growth-oriented technology leadership role. Their involvement in hackathons and continuous learning (AWS certification) suggests a proactive and innovative mindset. The breadth of skills from backend to DevOps, security, and project management, along with experience in both established and startup environments, shows adaptability and a comprehensive understanding of the technology landscape.
Soft Skills & Operational Fit
The candidate demonstrates strong leadership, strategic planning, and team management skills. Their experience in defining engineering best practices, implementing CI/CD, and driving Agile methodologies indicates a solid operational fit. The ability to translate technical roadmap progress into business-impact narratives highlights strong communication and stakeholder management, crucial for a CTO role. Experience in recruiting, mentoring, and retaining talent also points to a strong cultural and leadership fit.