London, UK · Product Manager · FinTech · TCS
Solving complex mortgage
problems — AI just made
me better at it nowadays.
I'm a product manager and architect at TCS, where I've spent over a decade building and delivering digital mortgage origination platforms for UK banks and building societies. Lately I've been going deeper into applied AI and hands-on engineering — designing local LLM inference systems, building edge-native SaaS products, and shipping things that actually run.
Domain depth meets hands-on engineering.
I joined TCS in 2012 as a graduate and have spent 13 years across programme delivery, implementation, presales, and product management — all in financial services, and predominantly in UK mortgage lending. I know this domain properly: the regulatory landscape, the lender economics, the broker relationships, the processing bottlenecks, and where technology can genuinely move the needle.
Over the past couple of years I've been investing deliberately in hands-on engineering. I wanted to close the gap between designing systems and building them — so I built a local LLM inference microservice for financial services document processing, architected a multi-agent underwriting pipeline, and shipped several personal SaaS products across different domains. Some are live with real users. Some are proof-of-concepts exploring what's feasible.
I hold a BEng in Computer Science & Engineering, a PG Diploma in Management from Welingkar, and am Microsoft Azure certified. I'm based in Grays, Essex and work across London.
FCA · MCOB · Consumer Duty
Loan Origination Systems
Open Banking
Backlog & Sprint Delivery
User Journey Design
RFI / RFP · Presales
FastAPI · Node.js · Python
React · TypeScript
Cloudflare · Supabase
API Ecosystem Design
Microservices
Azure · DevOps
Six things I built in my own time.
A deliberate investment in hands-on engineering over the past year — spanning fintech AI, property management, inventory SaaS, and consumer apps. Most started as a real brief for someone I know, built to the same standard as any commercial product.
TCS since 2012. One domain, five roles.
Every role has been in financial services. The arc runs from delivery and QA through implementation, presales, product leadership, and into AI-augmented product management.
- Leading product management for TCS DigiHome — a digital mortgage origination platform for UK banks and building societies — overseeing a team of UI/UX designers, product owners, business analysts, and developers
- Providing technical consulting and digital transformation strategy to UK lenders, including high street banks and building societies
- Designed and built a local AI summarisation microservice (sovereign private cloud, offline LLM inference) addressing FCA data residency requirements; architected a multi-agent DIP pipeline using a ReAct loop in Node.js
- Creating product roadmaps, defining go-to-market strategies, and leading design thinking workshops across multiple geographies and user personas
- Owning API specifications, third-party ecosystem integrations, backlog refinement, and end-to-end product lifecycle management
- Leading all sales pursuits — RFI/RFP responses, customer demos, and consultative workshops
- Key achievement: improved straight-through processing from 30% to 65%, reducing average end-to-end mortgage cycle time from 35 to 13 days
- Led a product team building a full-suite Loan Origination Platform from scratch — covering the end-to-end mortgage lifecycle from sales through underwriting to funds disbursement
- Owned the product development roadmap, sprint deliveries, analysis, testing, and release management
- Played a key role in registering the solution as TCS Intellectual Property
- Delivered 7 functional modules across front office, back office, and customer personas; integrated with a market-leading decision engine and 12 third-party interfaces; 100% of roadmap commitments delivered on time
- Led presales pursuits for Engineering and IoT services across the UK, qualifying and managing multi-million dollar deals
- Executed RFI/RFP responses, conducted market research, and defined go-to-market strategies for UK prospects
- Recognised for outstanding contributions in the Transcend Presales programme, July 2021
- IT delivery management for a prominent US mortgage lender — leading QA and development teams through Agile sprint cycles
- Formulated test strategies, implemented automation for web applications, and owned business analysis requirements including BRD/FRD
- Contributed to 90% paperless processing of mortgage loans and significant cycle time reduction across the origination workflow
- Foundation role covering programme delivery, quality assurance, and business analysis for large financial services accounts in North America
- Recognised as part of the TCS Inspire Programme for High-Potential Associates — first batch 2018–2020
Let's talk.
I'm open to conversations about senior product and architecture roles in UK fintech, applied AI in regulated financial services, and select consulting engagements. Not actively looking — but always willing to have the right conversation.