Open to opportunities

sukesh tandon

@sukeshtandon

Message

I build production AI systems as rule engines for fintech lending.

India

Message

What I'm looking for

I’m looking to build and advise production fintech AI that encodes credit-domain rules, runs on Azure with privacy-first data handling, and delivers measurable underwriting, matching, and scoring outcomes tied to NPA control and partner routing.

I build production AI systems that encode domain expertise as structured rule engines—then ship them. As founder of Duit Digital, I designed and deployed a real-time loan matching engine (10 lenders live, ₹25L+ revenue) and a Vedic astrology decision intelligence tool, both running on Azure Functions with Python backends, deterministic rule engines, and SQL-based session tracking.

My edge is that I’ve already lived the credit-policy and risk reality: 18 years as CRO, VP Risk, and credit policy leader at HDFC Bank, Eduvanz, Fullerton India, HSBC, and CitiFinancial. I build with strict separation of concerns (deterministic logic in the rule layer, auditable session tracking without raw PII), and I focus on outcomes like approval lift, NPA control, and reliable partner routing—backed by privacy-first engineering, telemetry, and scalable backend pipelines.

Experience

Work history, roles, and key accomplishments

Current

Founder & AI Systems Builder

Current

Duit Digital Pvt Ltd

Jan 2024 - Present (2 years 5 months)

Built a privacy-first fintech AI platform from zero, shipping a production loan matching rule engine on Azure Functions with deterministic JSON policy evaluation across 10 live lenders. Drove ₹25L+ revenue and built behavioral scoring, anti-bot/GeoIP filtering, and Vedic decision intelligence (D1/D9/D10) with Azure OpenAI narration and SQL-based session tracking.

Azure Functions Python SQL Azure SQL LightGBM MaxMind GeoIP Azure OpenAI Pyswisseph

Chief Risk Officer (CRO)

Eduvanz Financing Pvt Ltd

Jul 2018 - Dec 2023 (5 years 5 months)

Owned end-to-end P&L for a high-growth education loan portfolio, scaling disbursals to ₹100+ Cr/month while maintaining NPA <2%. Reduced credit cost by ₹8–12 Cr annually through delinquency segmentation, early warning systems, and integrated underwriting-collections feedback loops.

Credit Risk Management Early Warning Systems Portfolio Analytics Underwriting Collections Integration P L Ownership NPA Control Collections Strategy

Product Risk Manager

HDFC Bank

Mar 2016 - Jul 2018 (2 years 4 months)

Built risk infrastructure for Consumer Durable financing, launching PL 10 Sec to balance fast approvals with delinquency containment. Designed portfolio monitoring for Auto New Car using integrated credit-and-collections feedback loops.

Portfolio Monitoring Collections Feedback Loops Credit Policy

Vice President – Segment Risk

Fullerton India

Oct 2012 - Mar 2016 (3 years 5 months)

Implemented Finone LOS/LMS for urban business and designed credit programs for salaried and self-employed segments. Reduced credit cost by ₹5–7 Cr through targeted portfolio interventions.

Portfolio Interventions NPA Reduction Risk & Analytics Unit Economics

AVP – Collections Strategy

HSBC Bank

Aug 2008 - Oct 2012 (4 years 2 months)

Reengineered collections processes to reduce B&D charges and built capacity tracking systems for tele/field deployment. Improved recovery efficiency by 10–18% through operational analytics and structured collection execution.

Collections Strategy Tele Field Deployment Planning B&D Charge Reduction Operational Reporting Portfolio Collections