Kaushal Khodifad is the founder of CLOZOM, the professional network for Indian healthcare - for professionals, not patients - across five verticals. He has shipped product inside regulated industries since 2018, the last four years of it putting AI into production: at Infosys, credit decisioning across three Fortune 500 verticals with loan defaults down 70%; at Dukaan, ML carrier optimization saving $1.5M+ annualized across 5M+ merchants; at OTPless, authentication success up 60% for a platform serving 30M+ end users; independently for a $200M+ manufacturer; and in 2026, a founding product role on a US commercial lending AI platform, its only product person, across all six stages of the loan lifecycle. CLOZOM carries 50,000+ registered healthcare professionals and 26,000+ healthcare jobs across India, and runs Dr. CLOZOM, a clinical AI available to doctors only, at 85% query accuracy with 90%+ weekly retention. He holds a PGDABA from IIM Ahmedabad and CORe (High Honors) from Harvard Business School Online. He is based in Bengaluru, India.
Kaushal
Khodifad
Eight years shipping product, the last four putting AI into production inside compliance, audit trails and latency budgets.
Loan defaults cut · Infosys
Annualized savings · Dukaan
Auth success lift · OTPless
Registered pros · CLOZOM
Credit decisioning across three regulated Fortune 500 verticals. Defaults down 70%. Loan processing from seven days to under 24 hours. Five APMs across US, UK and India, under SOX and GDPR.
ML carrier optimization for a platform of 5M+ merchants. $1.5M+ saved annualized. RTO down 10%.
Passwordless authentication for 30M+ end users. Success rates up 60% in an eight-week sprint.
ARIMA, GARCH and neural-network ensembles for demand and inventory forecasting.
A founding AI product role as the only product person, built from scratch across all 6 stages of the loan lifecycle: origination, financial spreading, underwriting, closing, servicing, portfolio monitoring. No outcome metrics yet; handed over a roadmap through December.
Built from zero since 2023. For healthcare professionals, not patients.
A networking platform for healthcare professionals. The LinkedIn of Indian healthcare.
Healthcare roles across India, listed to that same network.
Clinical reasoning and differential diagnosis inside the app. Doctors only.
A doctor's profile ranks in Google search, with a Book Now link for patients.
Each gets a micro-website, job posting and networking - a Shopify-style model.
CLOZOM
Bengaluru, India
US commercial lending AI platform
OTPless
Bengaluru
Dukaan
Bengaluru · Sequoia / Lightspeed-backed
IIM Ahmedabad
India's #1 Business School
Harvard Business School Online
Infosys
Bengaluru · Global delivery (US / UK / India)
Academe (EdTech)
Ahmedabad, India
Himalayan Mountaineering Institute
National Cadet Corps
L.D. College of Engineering, Gujarat
PGDABA, IIM Ahmedabad · CORe (High Honors), Harvard Business School Online · B.E. Mechanical, L.D. College of Engineering
Lean Six Sigma Green Belt (KPMG-certified) · JPMorgan and Citi APAC virtual experience (Forage, 2020) · NCC ADG Awardee and Best Cadet
HMI certified mountaineer. Summited Mt. Bidhan Chandra Roy - 18,000 ft, West Sikkim.
I'm the founder of CLOZOM. Eight years shipping product; the last four of it AI in production, at Infosys, Dukaan, OTPless and now my own company.
AI products in regulated industries - healthcare, banking, payments, insurance, GRC, and similar contexts where compliance, audit trails, latency, and human trust all matter at once. The kind of work where the model is the easy part and shipping it is the hard part.
Named companies: Infosys (Fortune 500 banking, 70% loan-default reduction on the credit decisioning platform), Dukaan (5M+ merchants, $1.5M+ annualized savings via ML carrier optimization), OTPless (30M+ users, 60% authentication-success uplift in 8 weeks), a $200M+ manufacturer (a 90-day production AI project on inventory and demand forecasting), a US commercial lending AI platform (a founding product role where I was the only product person, building across all six stages of the loan lifecycle from origination to portfolio monitoring), and CLOZOM (my company - Dr. CLOZOM, a clinical AI for doctors only, in production at 85% accuracy).
CLOZOM is the professional network for Indian healthcare, and the first thing to know is who it is for: healthcare professionals, not patients. I'm the founder, and I built it from zero starting in 2023. Five verticals:
Indian Institute of Management Ahmedabad (PGDABA) and Harvard Business School Online (CORe program, High Honors). I'm also a JPMorgan and Citi APAC virtual experience alum (Forage, 2020) and a Lean Six Sigma Green Belt certified by KPMG.
Email khodifadkaushalkhodifad@gmail.com or book a 25-minute intro call from the contact page; I reply within 24 hours on business days.
The harder the problem, the better. I reply within 24 hours.