Manpreet Singh

About Manpreet Singh

Visionary CTO with 23+ years of experience architecting scalable, compliant technology solutions across AI, FinTech, EdTech, and Recruiting. Proven track record of accelerating product launches, securing high-value transactions, and driving digital transformation by bridging cutting-edge innovation with rigorous industry compliance**Current Projects**- An AI-powered university chatbot that runs a local LLM with RAG-based retrieval over scraped institutional content, enforced by heavy guardrails (prompt-injection detection, off-topic filtering, input-length limits), multilingual support for 10+ languages, and role-based access - Building real-time voice interactive AI assistant for education using best suited LLM\'s with heavy contextual learning.(testing phase)- AI-powered EdTech platform for Australian universities- India\'s first rural neo-bank on UPI/PPI rails **Key Achievements**- Launched 5+ fintech platforms (lending, wealth, payments) at 99.99% uptime - Slashed loan processing time 70% via credit decision engines & microservices - Architected PPI ecosystems for 5M+ users with 0 security breaches - Reduced cloud costs 40% using serverless AWS architecture **Specialized Startups**- 0→1 Product Scaling: MVP to enterprise systems (SaaS, cloud-native)- AI/ML Integration: Underwriting engines, cross-sell algorithms, SML-based EdTech - Compliance: RBI, PCI-DSS, ISO frameworks **For Enterprises**- Legacy Modernization: AWS/Azure migration, BRE optimization - Tech Team Leadership: Built 8+ engineering teams (40+ members)- Product Roadmaps: Aligning tech investments with P&L goals **Domain & BFSI**- Payments & Banking: UPI, BBPS, Neo-banking, PPI ecosystems, POS/PG - Lending & Risk: Credit decision engines, loan digitization, KYC workflows - Wealth/Insurance: API integrations with financial institutions - Compliance: Regulatory frameworks for 5M+ users **EdTech & Cross-Industry**- AI-powered learning platforms (SML models,**voice assistants**)- Scalable EdTech infrastructure for global institutions - Multi-domain: Banking, Insurance, E-Commerce, SaaS **Solving Critical CTO Challenges** I prevent- Tech debt crippling growth-stage funding - Cloud overspend eroding 30%+ margins - Compliance gaps delaying product launches **Partner With Me For**- Enterprise technology solutions - Fractional CTO leadership for scaling fintech - Technical due diligence (funding/acquisition)- Cloud cost optimization audits - AI strategy for EdTech/lending/wealth

Experience

1. Consultant CTO

   Multiple Companies

   May 2021 — Present

   Current:• Employability.life an Australian EduTech Entity. Helping create an AI based bespoke learning solution for experiential learning(https://employability.life/) Now part of Federation University•. An AI-powered university chatbot that runs a local LLM with RAG-based retrieval over scraped institutional content, enforced by heavy guardrails (prompt-injection detection, off-topic filtering, input-length limits), multilingual support for 10+ languages, and role-based access• Neo –Bank (DigiPay), creating a PPI based rural banking solution.Past:• Created a LENDING ECO-SYSTEM by integrating various lenders, from across the BFSI industry including creating an Inhouse Credit Rating Engine• Wealth Platform (Wealthzi.com), Mutual funds and investments platform•. Okaygo.in. Implemented an early salary / advance against salary for gig workers.

Education

• Kendriya Vidyalaya

  Commerce

  1983 — 1989

• Ghps

  School

Skills

• Pre-Sales
• Mobile Applications
• Agile Methodologies
• Management
• Mobile Commerce
• Strategy
• E-Commerce
• Php
• Software Development Life Cycle (Sdlc)
• Linux
• Mobile Technology
• Django
• Customer Relationship Management (Crm)
• Product Lifecycle Management
• Redis
• Sdlc
• Team Management
• Xml
• Data Wa
• Product Development
• Perl
• Software Development
• Laravel
• Product Management
• Project Management
• Web Services
• Vendor Management
• Software Project Management
• Crm
• Jquery
• Pmo