I started out in Delhi writing travel booking software, before "full-stack" was a job title. In 2007 I joined Fiserv. Over the next seventeen years I shipped financial software for US banks and credit unions: online banking, mortgage origination, account processing, payment gateways. Six of those years I spent on-site in San Antonio, leading teams through the kind of releases where a bad deploy costs people real money.
The systems I led are still in production. New Member Online cut roughly a million dollars out of one credit union's onboarding cost. RBFCU's online banking is what their members log into. The mortgage origination integration is what their loan officers use. None of it is glamorous. All of it had to work.
In 2020 I moved back to India as Advisor II at Fiserv, and in 2024 I left. From April 2025 to April 2026 I was Senior Technical Manager and solution architect at Publicis Sapient on the Imperial Brands engagement: a greenfield, multi-tenant, multi-language commerce platform on a MERN stack with Salesforce as the data layer. The shape of the problem was different from banking, but the discipline was the same. A system several teams will live inside for years, where the early architecture decisions decide how much pain arrives later.
In parallel I've been working with Indian early-stage founders. Backend architecture for Farmlokal (organic-products e-commerce) and a full React-and-backend build for GrocersPod. Both are live and growing.
Since then I have been building full-time. Sally is an AI operating system for small US trucking fleets that does the work rather than tracking it: chat-first, 100+ MCP tools, model-agnostic across Mastra and Vercel AI Gateway, with her own OAuth MCP server so customers can run their fleet from any AI client. Tournax came out of playing badminton and watching club organisers rebuild seeded draws in spreadsheets every season; it now runs fourteen sports, from cricket and football to chess and road races. Both are live. Alongside them I take a small number of advisory and fractional engagements.
A lot of people building AI products today are learning to ship software while learning AI. I came at it the other way around. Seventeen years shipping production systems first, AI second. Both halves matter. I happen to have done them in that order.