Product · Engineering · AI

Anivrat Goel

I build 0→1 fintech & AI products — pairing a Computer Science foundation with lending, credit infrastructure, and automation.

View my workRésumé
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Hey,

this is me.

and this is my cat

Elly.

I live surrounded by

nature,

but connected through

technology.

so I

build 0→1 fintech & AI products.

PythonSQLJavaScriptLLMsRAGVector DBsLangGraphOCRRESTGraphQLWebhooksMicroservicesEvent-DrivenAWSDockerNginxn8nPostHogA/B TestingSystem DesignPythonSQLJavaScriptLLMsRAGVector DBsLangGraphOCRRESTGraphQLWebhooksMicroservicesEvent-DrivenAWSDockerNginxn8nPostHogA/B TestingSystem Design

01 — What I do

I turn complex, regulated systems into products people actually ship — engineering, credit, and AI in one head.

Engineering DNA

A CS degree and a decade close to the stack — I speak architecture, latency budgets, and trade-offs fluently with the teams I lead.

Credit & Lending

From underwriting policy to NBFC routing engines, I turn regulated, high-stakes lending problems into shippable, compliant products.

AI Automation

RAG systems, OCR pipelines, and event-driven workflows that quietly remove hundreds of manual hours and cut cost per decision.

02 — Experience

Four years,
one throughline:
shipping credit at scale.

From founding product to senior leadership — building lending, credit infrastructure, and the AI systems around them.

Healthtech · Lending

Carepal Fintech

Senior Product Manager

Jan 2025 — PresentMumbai, India
25 min
bill-to-discharge (from 5–6 hrs)
1,000+
discharges in 2-month pilot
70%
lower decision latency

Leading credit products end-to-end — from underwriting policy to a real-time NBFC lending marketplace.

  • Led a 6-member cross-functional team (1 APM, 4 Engineers, 1 QA) to build & ship Instant Discharge, an instant-credit product, cutting bill-to-discharge wait times from 5–6 hours to 25 minutes.
  • Designed a 100+ data-point modular underwriting policy; pilot reached 1,000+ discharges in 2 months at an average ticket size of ~$3,500.
Consulting · 0→1

Independent Product Consultant

Lead Product Consultant

Jan 2026 — PresentMumbai, India
1M+
downloads scaled (Stoofers)
BCG
Tier-1 strategy partner
0→1
manufacturing SaaS shipped

Partnering with strategy firms and brands to architect and ship complex products across public sector, manufacturing, and consumer.

  • Partnered with a Tier-1 strategy firm (BCG) to architect a power-loss dashboard and legal-suit management system for a major public-sector client, integrating over legacy SAP ABAP and Oracle APEX.
  • Directed end-to-end development of a Bill of Materials (BOM) management suite for a leading consumer-appliances brand, streamlining manufacturing and supply-chain operations.
Fintech · Credit Infra

Neofinverv Technologies

Founding Product Manager

Aug 2022 — Jan 2025Gurugram, India
6+
industries served
3×
MRR growth over tenure
60%
faster policy setup

Built modular credit infrastructure from scratch and transitioned the business to recurring SaaS revenue.

  • Managed an APM and Lead Designer to build a modular credit-infrastructure platform used across 6+ industries.
  • Designed a flag-based risk engine that cut setup time for custom borrower credit policies by 60%.
Enterprise · SAP

Capgemini

Senior Analyst

Aug 2021 — Aug 2022Mumbai, India
30%
lower report latency
S/4HANA
integrated ERP modules

Built enterprise ERP modules integrated with SAP S/4HANA and optimized backend performance.

  • Built SAP S/4HANA-integrated ERP modules in C++/Node.js.
  • Optimized backend queries for 30% lower report latency.
▹ 1M+ downloads
▹ 3× MRR
▹ 70% latency ↓
▹ 25-min discharge
▹ $145k / yr saved
▹ 6+ industries
WORK

scroll into the work

WORK
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GenAI · PoC01 / 03

AI Private Document-Chat

A privacy-first document Q&A system for an SMB client — raw documents never leave the client's environment.

<$0.01per query
Local QwenVector DBLangGraphRAG
Restaurant OS02 / 03

Dinemint.com

An AI-enabled restaurant operating system managing operations, invoicing, and social-media campaigns.

50+SMEs across India
AI WorkflowsInvoicingCampaigns
Quant Architecture03 / 03

Algorithmic Trading

An automated, multi-layered quantitative trading and investment system architected end-to-end with Python and n8n.

Automatedend-to-end quant
Pythonn8nSystem Design

selected work

04 — Capabilities

A full-stack toolkit — from prompt to production.

AI / GenAI

LLMs (OpenAI, Qwen)Local deploymentRAGVector DBsRerankingLangGraphOCRPrompt Engineering

Languages & Data

PythonSQL (Advanced)JavaScript

APIs & Architecture

RESTGraphQLWebhooksEvent-Driven WorkflowsMicroservicesSystem Design

Analytics

A/B TestingFunnel & Cohort AnalysisETL PipelinesCRON Orchestration

Infrastructure & Tools

AWS (EC2/S3, QuickSight)DockerNginxGunicornn8nPostHogJira

Domain

Consumer LendingCredit Risk & UnderwritingLOSSaaS MonetizationGTM & RevOps

05 — Education

A builder's foundation, sharpened for business.

Sep 2026 — Dec 2027

IE Business School

Master of Business Administration (MBA)

Madrid, Spain

International MBA candidate.

Aug 2017 — May 2021

IIIT Guwahati

B.Tech, Computer Science

Guwahati, India

President, Student's Council (2019–20).

06 — Let's build

Have a hard product
problem? Let's talk.

Emailhello@anivrat.comLinkedInin/anivrat
Download résumé (PDF)
© 2026 Anivrat Goel