Prabakaran .k

Enterprise and solution architect with 20+ years defining target architectures across business, application, data, and technical dimensions for global financial services. Track record leading large-scale transformation, cross-domain governance, cloud/platform modernisation, and AI/GenAI integration for banking, payments, lending, and risk.

Vice President of Technology at Innoviti Technologies (2024-09 – Present)

• Define and own enterprise architecture strategy across business, application, data, and technical dimensions for a regulated financial services platform, translating business vision into coherent target architectures and transition plans
• Serve as lead architect on cross-domain transformation programs spanning payments, lending, settlement, risk, and compliance, providing guidance across the entire solution lifecycle
• Drive architectural excellence through reuse, standardisation, simplification, and sustainability — consolidating duplicative services and rationalising the application landscape
• Chair Design Authority and architecture review forums, challenging design decisions constructively to safeguard architectural integrity, ensure regulatory adherence, and secure measurable business value
• Lead AI/GenAI integration strategy — agentic automation, RAG pipelines over RBI/PCI-DSS/NPCI policy corpora, and intelligent operations workflows for reconciliation, disputes, and compliance knowledge retrieval
• Shape cloud/platform and data architecture roadmaps, including event-driven microservices, HSM-backed key management, and real-time risk scoring pipelines
• Build influential relationships with senior stakeholders — product, risk, compliance, and engineering leaders — communicating complex architectural concepts with clarity and data-driven recommendations
• Foster cross-domain collaboration and a unified "one architecture" mindset across matrixed delivery teams

Associate Vice President - Technology at Innoviti Technologies (2022-10 – 2024-10)

• Led solution architecture and delivery for retail and merchant-facing fintech product lines, aligning application, data, and integration architectures across squads
• Defined target architectures for transaction, customer, and settlement workflows, balancing long-term architectural vision with pragmatic delivery constraints
• Mentored architects and engineers, chaired design reviews, and used analytics-driven insights to guide platform investment decisions

Director of Engineering at Paperflite (2022-04 – 2022-11)

• Led an engineering team delivering SaaS platform capabilities for high-volume usage patterns and customer-facing workflows
• Improved scalability, operational efficiency, and production reliability through architecture and platform upgrades
• Strengthened data resiliency and recovery controls to protect business-critical information flows

AVP - Technology & Innovation at Standard Chartered Bank (2021-02 – 2022-04)

• Architected Spring Boot microservices on IBM OpenShift for credit, risk, and corporate management domains within a global, matrixed banking organisation
• Contributed to enterprise Design Authority and governance forums, aligning solutions with bank-wide architecture standards, reference patterns, and regulatory requirements
• Drove resiliency and data-recovery initiatives for critical financial systems, collaborating with senior stakeholders across technology, risk, and operations

Enterprise Architect at Innoviti Payment Solutions (2020-04 – 2021-02)

• Defined target enterprise architecture across application, data, integration, and technical layers for high-throughput payment platforms
• Produced architecture blueprints, roadmaps, and transition plans for EFT, UPI, EMI, and Bharat QR programs aligned to business strategy
• Established reference architectures and integration standards enabling reliable multi-bank connectivity with HDFC, ICICI, Axis, and YES Bank
• Partnered with senior business and technology stakeholders on design governance, standards adoption, and cross-domain alignment

Engineering Manager at Ola Cabs (2017-02 – 2020-04)

• Led engineers delivering data-heavy platform capabilities for high-volume operational and customer workflows
• Launched a real-time analytics platform with Apache Kafka for transaction and operational monitoring
• Applied ML and NLP techniques to prediction, decisioning, and customer experience optimisation

Solution Integration Lead Engineer at FICO (2013-03 – 2017-02)

• Led solution design and delivery for enterprise decisioning products used by global banks and financial institutions, covering analysis, architecture, implementation, and production support
• Architected Java-based dataflow integrations with Apache Kafka for enterprise decisioning and risk analytics platforms
• Worked within a matrixed, global engineering organisation exposed to senior stakeholders across product, architecture, and delivery

IT Analyst at Tata Consultancy Services (2011-06 – 2013-03)

• Managed full project life-cycles including analysis, design, and development using Java/J2EE, Voice XML, and JavaScript
• Developed web service-based application integration

Senior Software Engineer at Accenture (2008-11 – 2011-06)

• Application development with Peripro and Cisco ICM platforms
• Database integration using JDBC

Assistant Systems Engineer at Tata Consultancy Services (2006-03 – 2008-11)

• VXML-based IVR application development

Research Scholar in Quantum Machine Learning – NIT Puducherry (2023)

M.E. in Computer Science Engineering – Anna University (2020 – 2022)

B.E. in Electronics & Communication Engineering – Anna University (2001 – 2005)