Ashutosh Tiwari
Lead Architect & Founder
VittPravah Technologies
"Technology should not just digitize a process; it should optimize it. My goal with VittPravah is to empower financial advisors with tools that replace guesswork with precision."
About the Developer
Ashutosh is a Fintech Product Architect focused on solving complex operational challenges in the lending industry. Unlike traditional developers who only understand code, Ashutosh brings deep domain expertise from the BFSI sector (Banking, Financial Services, and Insurance).
He identified a critical gap in the DSA market—the "Spray and Pray" method of loan applications—and engineered the VittPravah Loan Engine to solve it.
His work bridges the gap between Credit Policy Logic and Digital Automation, ensuring that every loan application is routed with 100% accuracy based on algorithmic rule-matching.
Technical & Domain Expertise
SaaS Product Design
Conceptualized and deployed the Multi-Lender Rule Engine used by Heartbeatt Advisors.
Credit Logic Algorithms
Expert in translating complex bank policies (FOIR, LTV, CIBIL grids) into executable code.
Process Automation
Reduced loan processing time by 70% through digital intervention.
Strategic Tech Leadership
Transforming traditional financial advisory into a tech-enabled powerhouse.
The Philosophy
"Technology should not just digitize a process; it should optimize it. My goal with VittPravah is to empower financial advisors with tools that replace guesswork with precision."