Kalyan Koneru
CTO @ WalletHub
About
Technology Executive | CTO | VP of Engineering | Director of Engineering | Platform & Cloud Architecture MIT Sloan MBA | Fintech, AI/ML Platforms, Regulated Systems (SOC2 Type II) 20+ years building and scaling multi-tenant, cloud-native platforms serving millions of users I operate at the intersection of product strategy, platform engineering, and enterprise architecture, helping fintech companies build secure, high-scale systems that deliver real consumer value. My career spans the full growth curve of high-impact companies — from Founding Engineer building a cloud-native credit marketplace from scratch, to VP of Engineering scaling platforms to multi-million-user adoption, to CTO governing a multi-tenant, AI-enabled financial intelligence platform operating at enterprise scale. I specialize in building production ML and decisioning platforms by unifying credit, transaction, and behavioral data into secure, real-time systems. These platforms power credit risk models, approval odds, personalization, and financial recommendations, while operating under bank-grade governance, SOC2 Type II controls, and major bureau and bank partnerships. My leadership philosophy centers on empowerment and product thinking. I build organizations where engineers operate like product owners, architecture evolves without brittleness, and teams move fast without compromising security, reliability, or compliance. I’m passionate about how AI, secure data platforms, and personalization are reshaping consumer finance, and I enjoy collaborating with leaders advancing financial inclusion, privacy, and intelligent digital experiences at global scale.
United States
Southlake
Computer Software
AWS Cloud, Sphinx, AWS RDS, PostgreSQL, MySQL Cluster, Bitbucket, API design, RESTful architecture, Content Management Systems (CMS), Telemetry, Data Analytics, Startup Execution, End-to-end ownership, Creative Problem Solving, Innovation & initiative, Cross-team Collaboration, Adaptability & learning agility, Mentorship & team culture, Python, AWS EC2
Experience

CTO
Miami, Florida, United States
Enterprise Architecture & Strategy: Align technology and product roadmaps with C-suite leadership using C4, ADRs, and domain-level architecture governance. AI & Data Platforms: Unified credit, transaction, and behavioral data into real-time platforms powering AI-driven advice, diagnostics, and approval-odds models. Cloud & Platform Modernization: Modernized legacy platforms to cloud-native, serverless architectures, enabling independent team releases and cutting deployment cycles from weeks to hours. AI-Enabled Engineering: Introduced AI-assisted development (60%+ of code) and automated reviews, increasing engineering productivity by 25%. Scale & Cost Efficiency: Operated secure, real-time fintech platforms for an 8-figure user base, reducing partner API costs by 22% through architectural optimization. Risk & Compliance: Governed multi-tenant platforms under SOC2 Type II with bank- and credit-bureau-grade security and data-privacy controls.

Vice President of Engineering
Washington DC-Baltimore Area
Strategic Platform Scaling: Scaled the technology organization and platform from early-stage inception to a multi-million user base supporting high-concurrency, real-time financial workloads, architecting the core integrations required to launch flagship credit intelligence and financial simulation products. Operational Excellence & Mentorship: Mentored senior engineering talent into leadership and architectural roles while establishing global on-call operations and automated monitoring that reduced system recovery times (MTTR) from hours to minutes. High-Growth Performance Engineering: Directed the engineering of iOS and Android platforms from launch to global scale (4.7★), ensuring the underlying architecture could absorb 10x traffic surges without performance degradation. Cross-Functional Product Leadership: Collaborated across product, design, and marketing to transition the platform into a holistic financial hub, balancing rapid feature delivery with long-term technical stability and "bank-grade" security standards.

Chief Technology Officer
Miami, Florida, United States
B2B Model-as-a-Service (PaaS) Architecture: Architected a secure, multi-tenant model-hosting platform (EagleData) enabling enterprise lenders to deploy and execute lender-owned decisioning models within a sandboxed environment; delivered real-time, high-precision financial offer matching while enforcing strict data isolation and bank-grade security controls.

Founding Engineer
Washington DC-Baltimore Area
Foundational Cloud Architecture: Architected and launched one of the industry's first cloud-native financial marketplaces on AWS; established a high-performance infrastructure that enabled the venture to reach profitability within 12 months by eliminating technical debt and optimizing operational costs. Strategic Competitive Advantage: Developed a proprietary, compliance-driven content engine that enabled near-instant global updates—creating a durable business advantage for real-time lender offers. Revenue Engineering & Growth: Engineered a high-performance, SEO-optimized marketplace architecture that drove 95% of total company revenue during the initial growth phase, scaling to handle rapid traffic acquisition. Fintech Compliance & Integration: Collaborated with major US-based financial institutions to architect secure, high-concurrency integrations that ensured 100% compliance with strict lender data and display requirements.

Lead Java Developer Consultant
Freeport, Maine, United States
Designed and developed a highly sophisticated scheduling tool to parse LL Bean’s retail models’ metadata, validate the models, run models and validate the results. This tool saved the company hundreds of thousands of dollars by avoiding purchasing additional hardware and scheduling the jobs during off-peak hours.

Senior Software Engineer
Waltham, Massachusetts, United States
Developed the “Web Visual Data Mining Environment” and “Web Submission Data Manager,” web-based applications used by safety evaluators and epidemiologists to support pharmacovigilance and product risk management.

Scientific Software Engineer
Wellesley Hills, Massachusetts, United States
Part of development team that built a web-application system for a major pharmaceutical company to convert thousands of clinical studies to the latest format. Designed a Cheminformatics prototype that received grant funding from a major pharmaceutical company to support further research and product development.
Kalyan Koneru's Contact Information
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