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Co-Founder & Chief Technology Officer| Building the Future of Lending for Indiaโs MSME Sector
โ๏ธ ๐๐ผ-๐๐ผ๐๐ป๐ฑ๐ฒ๐ฟ & ๐๐ต๐ถ๐ฒ๐ณ ๐ง๐ฒ๐ฐ๐ต๐ป๐ผ๐น๐ผ๐ด๐ ๐ข๐ณ๐ณ๐ถ๐ฐ๐ฒ๐ฟ | ๐๐๐ถ๐น๐ฑ๐ถ๐ป๐ด ๐ฎ ๐ง๐ฒ๐ฐ๐ต-๐๐ถ๐ฟ๐๐ ๐ก๐๐๐ | ๐๐ฟ๐ถ๐๐ถ๐ป๐ด ๐ฆ๐ฐ๐ฎ๐น๐ฎ๐ฏ๐น๐ฒ ๐๐ถ๐ด๐ถ๐๐ฎ๐น ๐๐ฒ๐ป๐ฑ๐ถ๐ป๐ด โ๏ธ Transforming MSME Finance Through Technology & Execution ๐ ๐ช๐ฒ๐น๐ฐ๐ผ๐บ๐ฒ ๐๐ผ ๐บ๐ ๐๐ถ๐ป๐ธ๐ฒ๐ฑ๐๐ป ๐ฝ๐ฟ๐ผ๐ณ๐ถ๐น๐ฒ! Iโm Co-Founder & CTO at BNF, passionate about building secure, scalable, and compliant digital platforms that power the next generation of MSME lending. With over 18 years of experience across technology leadership, finance, and enterprise systems, I focus on turning complex financial and regulatory requirements into simple, reliable, and growth-ready digital solutions. ๐ฏ ๐ ๐ ๐ฅ๐ผ๐น๐ฒ ๐ฎ๐ ๐๐ก๐ I lead the end-to-end technology vision and execution, from core lending systems to ERP system. My work sits at the intersection of business, risk, and technology, enabling fast go-to-market without compromising governance or scalability. I work closely with founders, regulators, partners, and internal teams to ensure technology is a growth enabler, not a bottleneck. ๐ง ๐๐ฒ๐ ๐๐ฟ๐ฒ๐ฎ๐ ๐ผ๐ณ ๐๐ ๐ฝ๐ฒ๐ฟ๐๐ถ๐๐ฒโข ๐๐ฒ๐ป๐ฑ๐ถ๐ป๐ด & ๐ก๐๐๐ ๐ง๐ฒ๐ฐ๐ต ๐ฆ๐๐ฎ๐ฐ๐ธ โ LOS, LMS, collections, co-lending integrations, APIs, and partner ecosystemsโข ๐ฆ๐ฐ๐ฎ๐น๐ฎ๐ฏ๐น๐ฒ ๐๐ฟ๐ฐ๐ต๐ถ๐๐ฒ๐ฐ๐๐๐ฟ๐ฒ & ๐๐น๐ผ๐๐ฑ ๐ฃ๐น๐ฎ๐๐ณ๐ผ๐ฟ๐บ๐ โ Building secure, modular systems designed for rapid growthโข ๐๐ผ๐บ๐ฝ๐น๐ถ๐ฎ๐ป๐ฐ๐ฒ-๐ฏ๐-๐๐ฒ๐๐ถ๐ด๐ป โ Tech aligned
SCIT - Symbiosis Centre For Information Technology
Post Graduate Diploma in Management, Information Technology
January 1, 2005 โ January 1, 2007
Greater Noida Institute of Technology(GNIOT)
B. Tech, Electronics & Communication
January 1, 2001 โ January 1, 2005
Wood Row School
X & XII, PCM
January 1, 1997 โ January 1, 2000
Business NextGen Finance Private Limited (BNF)
Co-Founder & Chief Technology Officer (CTO)
August 1, 2025 โ Present
Mumbai, Maharashtra, India ยท On-site
Vision Bank
Chief Technology Officer
October 1, 2023 โ August 1, 2025
Abu Dhabi Emirate, United Arab Emirates ยท On-site
Kotak Mahindra Bank
Senior Vice President - Information Technology
April 1, 2023 โ October 1, 2023
Kotak Mahindra Bank
Vice President - Information Technology
April 1, 2020 โ March 1, 2023
Kotak Mahindra Bank
Associate Vice President
October 1, 2016 โ April 1, 2020
HDFC Bank Ltd.
Senior Manager Information Technology
October 1, 2013 โ October 1, 2016
HDFC Bank Ltd.
Manager (Information Technology - Technology Solution Group)
December 1, 2010 โ September 1, 2013
HDFC Bank Ltd.
Deputy Manager (Information Technology - Technology Solution Group)
February 1, 2008 โ November 1, 2010
National Informatics Center
Management Trainee
April 1, 2007 โ August 1, 2007
India
Global CIO Forum
June 25, 2026 โ Present
Oracle Cloud Infrastructure 2021 Certified Architect Professional
Oracle
June 25, 2026 โ Present
Oracle Cloud Infrastructure 2021 Certified Architect Associate
Oracle
June 25, 2026 โ Present
Microsoft Certified: Azure Fundamentals
Microsoft
June 25, 2026 โ Present
Microsoft Certified: Security, Compliance, and Identity Fundamentals
Microsoft
June 25, 2026 โ Present
Oracle Cloud Infrastructure Foundations 2021 Certified Associate
Oracle
June 25, 2026 โ Present
Cultural Fit Analysis
The candidate has a long and consistent career path within the financial technology sector, demonstrating stability and deep industry knowledge. The transition to Co-Founder & CTO at a newly certified RBI NBFC indicates an entrepreneurial spirit and a drive for innovation. While the experience is heavily concentrated in finance, the breadth of roles from project execution to CTO, coupled with cloud and security certifications, suggests adaptability and a continuous learning mindset. However, direct experience in a pure cybersecurity role is not explicitly detailed, which might require a cultural shift towards a dedicated security focus.
Soft Skills & Operational Fit
The candidate's experience descriptions highlight leadership, strategic direction, fostering innovation, and managing vendor relationships. These indicate strong operational fit for senior roles requiring strategic thinking and team management. The focus on secure, high-performance financial technology platforms suggests an understanding of critical operational requirements.