Amrendra Pratap Singh

Building a 0→1 AI-powered lending and personal finance platform targeting 190Mn+ underserved Indian borrowers (credit score <650), with MVP scope defined and Phase 1 in active development focused on onboarding and financial health profiling Defining a modular 3-phase product roadmap with parallel phase planning to enable scalable development and eliminate future rework

Partner Payout Defined and delivered a 0→1 Payout Engine end-to-end, eliminating manual payout errors, Excel-based process failures, and audit gaps, reducing calculation TAT from 10 days to 24 hours and achieving 99% accuracy across 2,300+ channel partners Identified dual-team manual verification as the core bottleneck via payout lifecycle analysis, automated daily calculations using T-1 LMS data, and reduced the payout cycle from 15 days to 2-3 days, enabling payments to begin by the 5th-6th of each month and improving partner settlement speed and engagement Designed real-time auditable payout dashboards for business, finance, and operations teams, eliminating manual reconciliation, reducing human error to near zero, and strengthening audit readiness Intelligent Document Processing (IDP) Analysed the loan onboarding funnel, identified manual document processing averaging 55 minutes per application as the core bottleneck, implemented an AI-powered third-party SaaS IDP solution to auto-classify documents and pre-fill onboarding fields, achieving ~64% TAT reduction, 3x sales throughput, and near-zero data entry errors Architected the IDP as a standalone cross-product utility enabling any LOS to integrate the solution at their stage, achieved 98% classification accuracy and 84% extraction accuracy, standardising document processing across all product lines LOS Process Automation- RCU & Video PD Drove automation of post-sanction risk assessment workflows for international education loans (₹35L avg ticket), digitised manual RCU checks within LOS, reducing customer risk profiling TAT by 50% through phased branch-level rollout Embedded AI-based Video PD (third-party solution) with face-match verification at the underwriting stage, enabling compliant digital customer verification across 12+ branches and eliminating the need for in-person customer visits

Key Management Solution (KMS) Owned 0→1 delivery of an enterprise Key Management Solution for 45+ internal applications, designed secure key lifecycle workflows, access control systems, and audit trail with RBI compliance as the core constraint Drove data-driven application prioritisation, analysed usage patterns, business criticality, and compliance exposure across all applications to define the encryption onboarding sequence, ensured highest-risk systems were secured first Automated 80% of key provisioning workflows via Service Now and Terraform, cutting delivery TAT from 5 days to 2 days, improving application security posture by 20%, and reducing end-user operational effort by 30% Cloud Platforms Led cost optimisation initiative resulting in ₹3.3Mn/month savings, built cost monitoring dashboards adopted across the cloud infrastructure teams for real-time spend visibility and accountability Spearheaded ICICI Bank's AWS Landing Zone design and go-live with dedicated AWS SMEs, earning AWS architecture certification in parallel; designed 5 low-level network architectures across all network zones, reducing engineering troubleshooting time by 50% Identified manual firewall rule reviews across 5 environments (DC, GCP, Oracle, AWS, Azure) as a recurring bottleneck, proposed and implemented workflow automation via Service Now and Terraform, saving 70+ engineering hours/month