I define product strategy, design AI architecture, and ship production systems — grounded in 15 years of credit risk and analytics across the USA, Canada, EMEA, and India. Currently running Popov, a production autonomous AI agent I built from scratch.
Popov is Jackal AI's autonomous AI co-founder — with a CRM, a thinking layer, and four execution channels: email, phone, WhatsApp, and data operations.
Give Popov a goal in plain English. He figures out the campaigns, reaches out to contacts, navigates phone systems, waits for responses, follows up, and reports back when something needs a human decision.
No workflow builders. No templates. No hand-holding. The email that introduced you to this page was likely sent by Popov. That's the point.
Meet Popov →Every product here started with a market question — who needs this, why now, and what does good look like for them. I worked backwards from customer behaviour and real demand to define what to build, how the system should think, and what the architecture needs to support at scale. Then shipped it.
Autonomous AI co-founder that thinks, plans campaigns, and executes across email, phone, and WhatsApp — without hand-holding. Full CRM, strategic deliberation layer, and live inbound handling.
Built an Electron-based AI browser where Perplexity-style search and full web execution are native to the shell — not extensions. The browser reasons about what it's doing, not just what it's loading.
Brought Jackal's AI capabilities into a Chrome extension — contextual reasoning and agent actions available on any webpage, without leaving the browser or switching context.
AI-powered credit risk analysis tool that bridges legacy regulatory frameworks with modern LLM reasoning — built for compliance-heavy environments where explainability is non-negotiable.
Founding is a practice. I've started companies, hired teams, built products from zero across fintech and AI, and navigated the full cycle — from problem definition through market launch to wind-down. Not every bet paid off commercially. Every one sharpened the next. The thread across all of it: find the real problem, own the architecture, ship before it's perfect.
Founded Jackal and built Popov — an AI agent that thinks, executes across email, phone, and WhatsApp, and reports back without hand-holding. Four products shipped: Popov, Jackal Browser, Jackal Extension, and a Risk AI tool.
Founded Snowfoll and built three distinct financial products. Led a team of 8, negotiated 50+ vendor contracts, and acquired ~6,000 customers before winding down.
Built the credibility that backs the products. Risk models at Citi, analytics platforms at ForwardLine, consulting frameworks at Aptivaa — across four countries before taking the founding leap.
Across USA, Canada, EMEA, and India I built, deployed, and validated credit risk systems for top-5 banks and fintechs — from PD models at Citi to acquisition infrastructure at Snowfoll to direct mail strategy that drove $4M+ in monthly growth at ForwardLine.
Fifteen years across consumer and commercial credit — now bringing AI into risk workflows to cut friction, sharpen decisions, and build systems that scale. Regulatory frameworks including IFRS9, CECL, and Basel covered where needed.
Agentic AI applied to credit workflows — automating the manual processes that slow decisions, inflate costs, and create risk blind spots.
The analytical and strategic layer that makes lending decisions defensible — built across consumer and commercial credit in four geographies.
AI product builds, risk consulting, or something in between.
I take on select projects. Let's find out if yours is one of them.