Credit & Risk · Product · AI Workflows
Products for high-stakes domains. Grounded in 12 years across credit, risk, and institutional systems at Wells Fargo, CRISIL, and Accenture.
About
Most people experience banking only at the surface — a loan application, a declined transaction, a credit decision that arrives with no explanation. I've spent 12 years on the other side of those screens, inside the systems making those calls.
From credit underwriting and portfolio management to risk analytics and institutional workflows, I worked in the parts of banking most customers never see. Somewhere along the way, I kept asking: Why does something as important as money still feel so unnecessarily complicated? That question pulled me toward product — and at Wells Fargo, evaluating a GenAI initiative for credit memo drafting made it concrete: how do you build financial products that feel intelligent without losing human judgment?
Today I want to build digital banking and fintech experiences that are efficient, AI-enabled, and genuinely useful — for the customer applying for a loan at midnight, and for the analyst navigating complex decisions under tight timelines. Not more complexity disguised as innovation. Products that make people say: "Finally. This makes sense."
Background
Toolkit
Work
Product Case Study · UPI / Payments · India
Redesigning the trust-recovery experience for failed and ambiguous UPI payments
A deep-dive product case study on the one thing UPI has not optimised for: what happens when a payment doesn't complete cleanly. Covers a three-app teardown (PhonePe, Google Pay, Paytm) using first-person failure probes, an analysis of NPCI ecosystem data revealing a 9.4% actual decline rate vs. the widely-cited 0.8%, and a five-component product proposal — failure-type-aware resolution screens, a stage-based status feed, expected vs. maximum timeline transparency, time-aware escalation, and closure communication. Includes a phased V1/V2/V3 rollout plan, success metrics with guardrails, and a detailed section on why this is harder than it looks (UDIR access constraints, error code inconsistency, bank relay latency, compensation liability). Grounded in NPCI circulars, RBI TAT rules, and primary data from 12 months of ecosystem statistics.
Consumer Fintech Experiment · Personal Project · India
A UPI-integrated app giving Indian teens their first real money experience
Full product concept for a UPI-integrated expense management app for Indian teens (13–18). Teens get their own bank-partnered UPI ID via mobile-native Aadhaar e-KYC, can make payments via QR or UPI ID, set savings goals with a gamified tracker, and see AI-categorised spending breakdowns. Parents fund the account, receive weekly reports, and are guaranteed blocks on sin-goods merchants (MCC + keyword filtering). Built-in budget proposal flow lets teens propose monthly category budgets that parents approve in-app — with a nudge system that prompts parents to expand budgets when teens consistently stay within limits. Includes a detailed monetisation model (neo-bank referral fees, merchant affiliate commissions, and a Phase 2 financial product distribution layer built on behavioural triggers), retention loop design using the Hooked Model, and a 6-phase milestone plan.
Writing & Insights
Long-form thinking on credit, risk, institutional systems, and AI — on Substack. Shorter insights on product and domain on LinkedIn.
Contact
I'm currently exploring product roles where domain depth in credit, risk, and institutional systems is a genuine asset — in fintech, banking technology, and adjacent high-stakes domains. If you're building something in this space, or know someone who is, I'd love to connect.