Raj Kumar Ash

AI-first, multi-tenant SaaS/PaaS lending platform for banks & NBFCs across India, GCC & the US

• Leading 25-member product across full lending stack — CRM, LOS, LMS, Portfolio Monitoring, Collections, Digital Site Visit & AI Chatbot
• Launched 10+ loan products — Supply Chain Finance, LAP, Vehicle Loans, Working Capital, Line of Credit & Business Credit Cards
• Deployed agentic AI & LLM interfaces (chatbots & AI Scores), chatbot resolves 60–70% queries; alternate scoring lifted approvals by 20–25%
• Launched Lending first CRM, enabling customer 360* view with AI based cross-selling & upselling improving lead to application by 25%
• Built predictive collections engine, improved collection efficiency 25–30% & reduced NPAs 15–20% via early warning triggers
• Led cross-border rollouts across UAE, India & US covering Shariah-compliant financing, SBA-aligned programs & multi-currency operations

Cloud-based SaaS lending technology platform for banks, NBFCs & Fintechs — India market

• Built SaaS LOS (Loan origination system) & LMS (Loan Management system), handling credit disbursements of USD 5Mn/qtr.
• Led API integrations with payment providers enabling fast onboarding of borrowers and businesses across markets
• Launched Auto Loan, Supply Chain Finance, LAP & Housing Finance products; enabling end-to-end API integrations with financial institutions
• Managed insurance product suite for Auto & Personal loans — insurer integrations driving 20% growth in policy sales

B2B & E-commerce retail aggregation platform for non-urban markets

• Built ML-powered recommendation engine increasing retailer sales by 12%; launched checkout sorting logic boosting AOV by INR 200
• Led development of POS, Retailer application & Consumer e-commerce app, scaled it to 1500 partners and 2 Lakh MAU of app
• Cohort analysis & loyalty leakage prevention drove USD 500K revenue uplift; led GTM across 1,500+ partners

SaaS supply chain solutions for food & manufacturing industry

• Led SaaS supply chain module driving 3–4% logistics cost savings; automated demand forecasting to 95% accuracy via ML optimization
• Build What-If Analysis, reducing decision cost by predicting multiple scenarios, better insights with continuous planning & forecasting
• Conducted Market research, customer satisfaction index creation and feedback improvement tracking for Supply Chain products

Capital markets technology for wealth management professionals across 25 countries

• Led UCP & EQ Connect platform for best-price execution with global market makers serving 60+ institutions across 30+ countries
• Delivered FX derivatives & multi-asset execution modules, automated RFQ-to-execution & reduced manual processing by ~60%
• Managed USD 1.2M & USD 950K enterprise implementations across Asia-Pacific & Middle East (JP Morgan, Citi, Emirates NBD, RAKBANK)
• Pioneered NLP & blockchain prototypes for trade reconciliation, document parsing & smart-contract settlement

Engineering & consultancy solutions across core engineering services

• Led USD 100M Wire Rod Mill-2 project commissioning; managed USD 20M cost analysis for Bokaro Steel & Vizag Steel
• Led a consortium team of 5 firms for project commissioning and capability analysis for of CRM3 Bokaro steel & Coke oven battery