Reimagining Digital Lending

Q1. Could you start by giving us a brief overview of your professional background, particularly focusing on your expertise in the industry?

I design and build financial services platforms, from the architecture right down to the production code, which I still write every day even now.
Over the last 27 years, I have sat on all three sides of this problem. As a CTO, I have built platforms from scratch. At Bajaj MARKETS, I conceptualized and built one of India's first multi-product financial marketplaces, with more than 28 products across lending, cards, insurance and investments, onboarding banks, NBFCs and insurers through standardized APIs.
At Rahi Platform Technologies, I have spent the last two years building a cloud-agnostic SaaS lending platform covering origination, loan management and collections. It runs on an entirely open-source stack, with no licensed software and no cloud lock-in.
As a Partner at BCG, I advised banks and NBFCs on their technology strategy, on build-versus-buy decisions, and on legacy modernization. Before that, as Chief Architect at Cognizant, I ran the banking and financial services architecture practice across APAC, the UK, and Europe.
So, I have built lending stacks, advised others on them, and modernized the legacy systems they …