Kaushal Khodifad is an AI product leader for regulated industries and the founder of CLOZOM, the professional network for Indian healthcare, built for professionals rather than patients. He has shipped product since 2018, and for the last four years with models in the loop. The record: at Infosys, credit decisioning for Fortune 500 banking clients that took loan processing from seven days to under 24 hours; at Dukaan, ML carrier optimization saving $1.5M+ a year across 5M+ merchants; at OTPless, authentication success up 60% for a platform serving 30M+ end users; and for a $200M+ manufacturer, forecasting in production that cut inventory carrying costs 25%. CLOZOM carries 50,000+ registered healthcare professionals and 26,000+ healthcare jobs across India, and runs Dr. CLOZOM, an AI medical assistant for doctors only. He holds a PGDABA from IIM Ahmedabad and is based in Bengaluru, India.
Kaushal
Khodifad
Eight years shipping product, the last four with models in the loop, inside compliance, audit trails and latency budgets.
Loan processing, from 7 days · Infosys
Annualized savings · Dukaan
Auth success lift · OTPless
Registered pros · CLOZOM
Credit decisioning for Fortune 500 banking clients across three regulated banking verticals. Loan processing from seven days to under 24 hours. Five APMs across the 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.
Demand and inventory forecasting in production: forecast accuracy up 40%, inventory carrying costs down 25%, ninety days from first conversation to production.
Across the loan lifecycle, from origination and financial spreading through underwriting, closing and servicing.
Built from zero since 2023. For healthcare professionals, not patients.
India's professional network for healthcare. Every professional is verified before a listing can reach them. Doctor profiles and business accounts for pharma, clinics and hospitals sit on the same network.
Healthcare roles across India, listed to that same verified network.
An AI medical assistant inside the app, for doctors only and deliberately not for patients.
CLOZOM
Bengaluru, India
US commercial lending AI platform
OTPless
Bengaluru
Dukaan
Bengaluru · Sequoia / Lightspeed-backed
IIM Ahmedabad
Ahmedabad, India
Harvard Business School Online
Infosys
Bengaluru · Global delivery (US / UK / India)
Academe (EdTech)
Ahmedabad, India
Himalayan Mountaineering Institute
L.D. College of Engineering, Gujarat
PGDABA, IIM Ahmedabad · CORe (High Honors), Harvard Business School Online · B.E. Mechanical, L.D. College of Engineering
HMI certified mountaineer. Summited Mt. Bidhan Chandra Roy - 18,000 ft, West Sikkim.
An AI product leader for regulated industries, and the founder of CLOZOM. Eight years shipping product: credit decisioning for Fortune 500 banking clients at Infosys, then ML and growth products at Dukaan and OTPless, and since 2023 CLOZOM, where an AI assistant for doctors runs in production.
AI products where the model is the easy part: systems that have to hold under compliance, audit trails, latency budgets and real users at the same time. The industry changes; the hard part does not.
Credit decisioning for Fortune 500 banking clients at Infosys, taking loan processing from seven days to under 24 hours. ML carrier optimization at Dukaan across 5M+ merchants, worth $1.5M+ a year in savings. A 60% lift in authentication success in eight weeks at OTPless, a platform serving 30M+ end users. Demand and inventory forecasting in production for a $200M+ manufacturer: forecast accuracy up 40%, inventory carrying costs down 25%. And CLOZOM, my own company.
CLOZOM is the professional network for Indian healthcare, and the first thing to know is who it is for: healthcare professionals, not patients. I founded it in 2023 and built it from zero. Five parts:
IIM Ahmedabad (PGDABA). Also CORe with High Honors from Harvard Business School Online, and a B.E. in Mechanical Engineering from L.D. College of Engineering.
Email kaushal@kaushalkhodifad.com. I read every note myself.