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My experience in Fintech

This page tells you the fintech startups I worked with, and the outcomes I delivered for each of them:​


Fi is a neobank. These testimonials describe the outcomes I delivered for Fi:

Kartick helped us build our iOS engineering team. We needed someone with deep iOS expertise to evaluate candidates and did not have someone matching the profile on our team at the time. The depth he covered in the interviews helped us hire the right engineers who have helped us build a great product over the last two years. iOS is very important for us as a neobank since a large part of our affluent customer base uses iOS. The feedback provided on each candidate was very detailed. He also went beyond his brief and provided technical guidance to our team when we asked him to. The team was able to incorporate best practices on architecture and coding from this guidance. I highly recommend Kartick for the expertise he brings on engineering, iOS in particular, and his ability to cover all details.

"Hiring is one of the most critical and challenging things for startups, especially early. We did not have sufficient skill in-house in a business-critical technology, so we worked with Kartick, whose evaluation of candidates and inputs were extremely valuable for us. The people who joined were solid, which validates Kartick's work. I recommend Kartick for his combination of experience, strong opinions and the expertise/skill to back it up and deliver solutions."


Unovest was an investment portal. Read this testimonial to understand my contributions:


Vipin Khandelwal

Founder, Unovest

“Kartick has contributed to multiple areas: staying on top of the evolving fin-tech landscape, brainstorming products and features to build, planning our roadmap, pricing, making introductions to relevant people, helping with a vendor relationship…”


Unovest was a B2B SaaS startup focused on BFSI. Read this testimonial to understand my contributions:

testimonial - Lakshmi_edited.jpg

Engineering Director, Loktra

“Kart as an adviser has given significant inputs to the company work culture which fixed the gaps and improved the work culture a lot. He pulled a couple of engineers from his network on short notice and helped Loktra to fill the urgent opening in just 3 days. He has helped Loktra in key hiring. He is a great value addition as an adviser.”

In other roles than as a consultant:

I built a marginal tax calculator, in command-line, Mac, iPhone and iPad versions.

I planned an investment backtesting tool, but after speaking to people in the target audience, I realized that the prosumer market segment I was targeting didn't exist: consumers didn't want to analyze their investments, and professionals (like Wall Street types) required something far more complex than I was planning. So I abandoned this project.

Let's talk about what I can do for your startup

Goal-based engagement

Is your startup not on track to achieve your next milestone? Are you unsure what to do to get back on track?

Wouldn't it be great if you could get a trusted expert to guide you throughout your journey, help you make critical decisions right, and give you visibility into the consequences of decisions before you make them, so that you can execute with confidence?

Work with me, and I’ll guide you to success.

I'd like to offer you a couple of pricing options:

Option 1: Guaranteed results: I’ll understand your goals, and commit to delivering them. In the unlikely event I fail to deliver, I’ll do whatever it takes to make things right, including redoing the work at no extra cost, giving you a partial refund, or even a full refund, whichever I feel is the appropriate resolution.

  • The fee will be $175/hour, subject to a minimum of $4K per month.

  • The bill fluctuates month to month. In the past I’ve billed as much as $20K in a single month.

  • I’ll inform you every $4K — 4, 8, 12, etc — to avoid bill shock.

  • A typical engagement costs $100K. I suggest you budget $100K to get started, and I’ll let you know if this changes as the work proceeds.

Option 2: Name your own price. It could be as low as $4k. We’ll divide it by the hourly rate of $275, and you’ll get a certain number of hours. I’ll use those hours to further the agreed-upon goals. When the hours are over, if work still remains, you can choose to repeat this process by naming another price for the next iteration, or switch to option 1.

Looking for something else?

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