Portfolio Samples
Founder & CTO @ Ruzova
Ruzova Green City & E-Governance Platform
Integrated City Operations

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Ruzova was founded in 2018 with a vision to create sustainable and greener metropolitan environments through its Building to Tree (B2T) initiative and a new product line focused on Flat Balcony Gardens.
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The business model involved working with Local Municipal Corporations and other civic stakeholders, requiring alignment with municipal policies, city-level programs, operational processes and public-sector requirements.
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To support this model, led the development of the Ruzova B2T Digital Platform as a Smart City and E-Governance–oriented business operations platform.
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The platform brought together multiple IT products, multiple external portals, operational applications, data-capture capabilities, integrations and scheduled batch synchronizations into a common technology ecosystem.
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The architecture was designed to support government/civic portals, municipal operations, field data capture, stakeholder management, master data, transactional processing, reporting, analytics and integration with external systems.
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The platform was fully self-designed, with responsibility spanning product architecture, application design, cloud infrastructure, integrations, data architecture, security and technology strategy.
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The technology architecture was designed with a scale-out approach, targeting growth from approximately 1 million to 10 million users across India, with the ability to evolve toward international expansion.
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The broader business vision targeted ₹800+ Cr ARR and approximately 55,000 employment opportunities, subject to successful market and government adoption.
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The initiative ultimately faced delays in government/civic engagement and the COVID-19 disruption, which prevented the business from reaching its planned scale.

CTO @ BluCognition
AI Powered Loan Processing &
Credit Risk Optimization
SaaS Product

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Loan processing officers across financial institutions often face the challenge of manually analyzing customer bank statements during loan application processing.
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As Consulting CTO at BluCognition, architected and led the development of Xtract — a multi-tenant, SaaS-based AI platform designed to automate bank statement analysis.
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Xtract automatically extracts and standardizes customer transaction data from bank statements across financial institutions and feeds the data into AI/ML models.
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The platform enabled loan officers to:-
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Generate an internal customer credit score based on transactional behavior.
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Accelerate loan processing from hours of manual analysis to seconds.
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Reduce credit and operational risk for the financial institution.
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Significantly reduce manual effort and improve processing efficiency.
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The solution delivered significant business impact, contributing ₹86 Cr. in ARR from a key client, American Express (USA).

CTO @ BluCognition
AI Powered Web Intelligence & Price Prediction Platform

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In today’s competitive landscape, businesses need timely market intelligence and competitive data to make informed strategic decisions and stay ahead of competitors.
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I architected a generic web intelligence and scraping platform capable of collecting and structuring publicly available web data based on specific business requirements.
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The SaaS Single-Tenant AI Platform Architecture was designed to support scalable, client-specific data extraction and analytics, contributing ₹20 Cr. in ARR.
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The solution leveraged Python-based Selenium and Beautiful Soup for automated web data extraction, processing, and normalization.
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AI/ML models were incorporated to analyze market data and enable price prediction and competitive intelligence.
CTO @ WBX
AI Driven SaaS Assessment Platform

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Multi-Tenant AI Driven SaaS Assessment Platform
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Serving as the primary technology liaison for the WBX product portfolio, supporting Rs. 50+ Cr. ARR
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Acting as the Technology Advisor to executive leadership, aligning technology strategy with business growth objectives
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Directing multiple strategic international technology programs contributing Rs. 20+ Cr. ARR
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Developing technology budgets, investment roadmaps, and engineering capacity plans
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Leading architecture governance to ensure platform scalability, security, reliability, and performance
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Conducting enterprise architecture reviews and prioritized product roadmaps based on business impact
CTO @ The OG Group
Digital Transformation
Manufacturing & Retail
ML Based ENTERPRISE ARCHITECTURE
ERP, CRM, E-Commerce

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The OG Group is a quintessential, one-of-a-kind jewellery Group of Companies that creates enticing designs infused with excellent craftsmanship. The OG Group of Companies specialize in creating exotic, one-of-a-kind designs that are adored by all who wear them
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The Group has offices in New York, Hong Kong, Dubai and India with a manufacturing facility in Jaipur and China. The Group’s Brands can be found in high-end jewelry stores across 25 countries
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The Group was running its entire operations on the below Enterprise Architecture

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As part of Digital Transformation from Legacy Systems, the below Next Gen ML Based Enterprise Architecture was recommended to support the jewelry business of The OG Group of Companies while working as their Global CTO
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The would work in sync with Manufacturing (Factory Floor) to Retail Operations (Selling)
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At the core of this architecture runs MS Dynamics ERP integrated with Shopify and Zoho CRM
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Mobility over the Cloud was the basis of the architecture. This allowed ability to access and utilize applications, data, and services from anywhere, anytime, using a variety of devices, essentially allowing for seamless movement and access to information regardless of physical location

Founder & CTO @ IntelliNature
AI EdTech Platform

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Being Founder & CTO of IntelliNature developed the World's First Of its Kind AI EdTech Service Platform to Impart Education and Work on AI Projects
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Ran Free Awareness Campaigns across India with more than 2 Lakh People made aware of this AI Micro Projects domain
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More than 4000 Micro Associates were enrolled to the Company's Learn and Earn Program
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The Company generated Rs. 2 Cr. in revenues before going un-operational in 2024 due to audience saturation on digital marketing platforms

VP @ Bank Of New York Mellon
Digital Transformation
Software Quality Engineering COE

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The Bank faced software quality and performance issues in their critical 1000 + Client Facing Web Applications resulting in loss in business opportunities across 15 Lines of Business
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Most of the QA tasks were manually executed which were time consuming and many times resulting in defect leakages to production
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Infrastructure around these Applications was not monitored from the End User Experience perspective
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The Digital Transformation initiative was undertaken within the Bank to provide better quality and monitored end user experience to these critical applications
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The QA Center of Excellence Shared Practice was implemented while working at Bank Of New York Mellon
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Scaled and headed a Team of 115+ Automation and Performance Engineers to support these manually executed QA activities around these web applications
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Much of the Manually Executed Test Cases were Automated resulting in 45% lesser FTE and reduced QA Cycle time by 60%
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This resulted in better Quality of IT Applications and lowered the Defect Leak in Production by 75%
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Real User Monitoring Capabilities were introduced to help Businesses monitor End User Experience across critical app features with proactive alerting capabilities
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Preventive Real Time performance monitoring was introduced which resulted in Increased User Satisfaction by over 83%
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The Digital Transformation initiative required lot of effort to drive change in process and new technology adoption across Bank
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Formation of the COE also facilitated generation of Rs. 65 Cr. In Charge Back Revenues

CTO @ The OG Group
Digital Transformation
Implementation Of CRM
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The OG Group having 6000 + B2B and 3 Lakh + B2C Customers were not managing their customer relationships through a well defined process or technology loosing considerable sales opportunities
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Zoho Centered Standard CRM Tech Enabled Processes were implemented and adopted globally within The OG Group resulting in increase in monthly sales by 27%

Optimizations Undertaken
Cost & Process Optimization
While working in Bank of New York we had to move the entire organization from a QA (Software Quality Assurance) Decentralized function to a Centralized QA Function which would involve lowering the FTE (Full Time Equivalent) Count and a Unified QA Process to be undertaken by all Application Development Teams. With this we achieved –
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Lesser FTEs (lowered SDLC Costs)
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Unified QA Processes (increasing Application Quality in Production and Increasing Customer Happiness)
This involved coordinating with more than 100 Application Dev Teams spread across 15+ LOBs (Lines of Businesses) with 1000 + Resource Team Sizes
Architecture Optimization
While working in Blucognition, the Development Team did not understand the architectural difference between a Software Application and a Software Product. There is a fundamental architecture difference in both these types of Software.
While I joined, the Blucognition’s Bank Statement PDF Extraction Engine was behaving like an application to be integrated with one of their Key Client AMEX estimated to fetch an ARR of Rs. 86 Cr. for the Company.
Was instrumental in converting this application into a product and optimized it into a generic architecture which could be plugged in with any International Financial Services Company and fetch Multi-Billion Dollars in Yearly Revenues to BluCognition.
Technology & Infrastructure Optimization
For about 5-6 Years in my career I was working as a Performance Engineering Consultant across various US Client Locations responsible for giving solutions which would increase the performance and availability of various software applications. This involved working with Software Architects and Capacity Planning Teams and deep diving the Multi-Tier Application Architecture across Software Components and Hardware. Technology /Infrastructure was Optimized to an extent which would involve either –
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Code Optimization
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SQL Queries / Database Optimization
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Server Optimization
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Adding More Nodes or Moving to Cloud
With this we achieved –
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Lowering Infrastructure Costs
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Increasing Product Performance and Availability resulting in more Revenues
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Increased Customer Happiness and Satisfaction
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Lesser Business Downtimes
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Lesser Reputational Loss
Resource Cost Optimization
While working in Infosys under GDM (Global Delivery Model) was engaged in helping the US Clients move their Onsite (US) FTE Costs to Infosys Offshore FTE Development Centers which resulted in lowering costs up to 75%.
This involved coming up with an ELASTIC SCALABLE RESOURCE MODEL where depending on the nature of work, client had the freedom to scale up and down resources for any duration in the SDLC.
Operational Optimization
While being the Founder Of IntelliNature and defining Standard Operating Procedures continuous optimization of operational processes were undertaken which would make sure –
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Laying down of Non-Chaotic and Unambiguous Processes
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Seamless Hand Shakes between Staff Members Executing the Business Processes
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Using the Right Mix of Technology to Support Human Operations and avoiding Human Errors
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Feedback Channels for Continuous Improvement
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Making sure processes are optimized to such an extent that Cost incurred by Human and Technology is always minimal
The Company started with 14 Hrs. of my daily work. Company’s Business Process Models were defined and optimized with Staff and Technology executing these Models. My involvement during Company Steady State or BAU (Business As Usual) was just 1 Hr. This we achieved in less than a Year.
