Varun Malhotra

Spearheading digital transformation across loan origination, collections, and gold loan systems for a major NBFC, improving speed, accessibility, and user experience through strategic technology adoption. Key Achievements: • Reduced disbursement TAT by 60% through mobile-first LOS built on Oracle FlexCube • Deployed gold loan platform enabling sub-30-minute disbursals on scalable multi-cloud architecture • Led AI/LLM adoption across lending journeys and customer experience workflows • Built collections and legal tech stack for better NPA lifecycle management • Successfully delivered multiple enterprise-scale projects within time and budget • Speaker at AWS AI Conclave, Oracle Cloud World Tour; Paper on Explainable AI accepted for Springer publication

Transitioned Capri from legacy BFSI to a fintech-forward organization by building tech teams, modern systems, and alternate revenue channels. Highlights: • Scaled engineering team from <10 to 150+ across functions • Built custom AI models to optimize loan lifecycle, improving speed and accuracy • Delivered digital platforms that supported significant alternate channel revenue growth (multi-crore scale) • Drove cross-functional collaboration between product, compliance, and operations

Led engineering for India’s largest EdTech merger pre-BYJU’s acquisition. Modernized systems and internal tech capabilities. Key Achievements: • Built in-house test platform to replace third-party tools; supported 10x YoY scale with zero downtime • Introduced cloud-native architecture and scaled internal platforms rapidly • Integrated AI-based enrichment tools into CMS, improving academic content discoverability and reuse

• Continuously improving the efficiency of product and deliveries through processes and technology • Built serverless distributed system to avoid loss in business during peak traffic • Evolved centralized platform to facilitate common operations across organization • Delivered cross platform (React Native) mobile apps for both consumer and internal operations • Became the first team in FinTech-India to deliver Google Amp Email – Was featured in Google IO -2019 • Delivered OCR pipeline using AI for evaluating customer documents in real time. This was a manual process previously and used to take days to complete

Grew from Team Lead to AVP/GM with responsibilities not limited to: • Managing complete life cycle of products • Owning technical implementation of product(s) • Architected & Developed applications required for target environments • Independently designed, deployed and maintained Big data projects • Managing team of over 15 members • Introduced new technologies and tools for overall improvement of operations in the department • Introduced Agile practices and associated tools (CI; Scope, Task, Release management) • Coordinated with ODM, business stakeholders & external vendors like Airtel, Adobe, Process9, Times Group,Cube26 etc. for inclusion of features to enhance user experience • Modify Android framework to facilitate all team members in customization of ROM

Worked on official apps for several football clubs and leagues for various platforms like Blackberry, WebWorks, Cascades and Android. While the binaries were different, I designed the code and build pipeline, so that single code base could generate them and ensured reduction in time required to release the products. • Lead the development team • Preparing project estimates and project development strategy • Design the Cascades version of the application • Mentoring the team members for the use of technology and frameworks • Develop the code of the application • Porting the code from other platform • Developed applications required for target devices and Blackberry, Android OS versions • Coordinated with various stakeholders for the successful deliveries

Worked on messenger application for Blackberry platform. • Lead the development team • Preparing project estimates and project development strategy • Develop the code of the application

Orbit enhances the native address book by enabling communication on all major social networks. As a member of core technical team of Orbit,along side the blackberry application,2 out of 3 server side applications were made by me which had high through-put and low latency in delivering messages to users. I designed and implemented distributed architecture of services with combination of SQL, NoSQL databases. • Lead the development team • Preparing project estimates and project development strategy • Prepare High Level Designs • Develop the code of mobile application & Messaging Server • Coordinated with various stakeholders for the successful deliveries • Helped with customer support for identifying and delivering real time fix of the issues.

Took the ownership and delivered several applications and framework which would help end customers to migrate WAP site to native Blackberry application without any coding effort. Independently developed both client and service side application to participate in Android Developer Challenge-2. • Lead the development team • Preparing project estimates and project development strategy • Prepare High Level Designs • Develop the code of mobile application & Messaging Server • Coordinated with various stakeholders for the successful deliveries • Helped with customer support for identifying and delivering real time fix of the issues.

Worked on m-Commerce applications, games and implemented custom algorithm to optimize storage and network usage. Also lead the efforts for exploration of Android in the organization and participated in Android Developer Challenge-1 • Developed applications required for target devices and J2ME,Blackberry, Android OS versions • Coordinated with various stakeholders for the successful deliveries