Kaushal Khodifad is an AI product leader for regulated industries and the founder of CLOZOM, the professional network for India's healthcare professionals. His production record: at Infosys, credit decisioning for Fortune 500 banking clients that compressed loan processing from seven days to under 24 hours across three regulated banking verticals; at Dukaan, ML carrier optimization that saved $1.5M+ a year across 5M+ merchants; at OTPless, an eight-week sprint that lifted authentication success 60% for a platform serving 30M+ end users; and for a $200M+ manufacturer, demand and inventory forecasting taken from concept to production in 90 days, improving forecast accuracy 40% and cutting inventory carrying costs 25%.

Track record

Where it shipped.

Credit decisioning for Fortune 500 banking clients. Carrier ML across five million merchants. Authentication for thirty million users. Forecasting for a $200M+ manufacturer. And CLOZOM, which I founded.

Production outcomes

What changed, and where.

Newest first · open a row for the detail
50,000+Registered healthcare professionals

CLOZOM· Current

The professional network for India's healthcare professionals, not patients, with an AI assistant for doctors in production.

Founder · 2023 - present

  • 26,000+ live healthcare jobs across India on the platform.
  • Every professional is verified before a listing can reach them: healthcare hiring is a compliance surface, not just a listings feed.
  • Dr. CLOZOM, an AI medical assistant for clinical reasoning, available to doctors only and deliberately not to patients. In production at 85% query accuracy and 90%+ weekly retention.
  • Doctor profiles that rank in Google search with a Book Now link, at zero commission; business accounts for pharma, clinics and hospitals with a micro-website, job posting and networking.
  • Product team of 5. Delivery velocity up 3x.
+60%Authentication success

OTPless

An eight-week experimentation sprint on a passwordless platform serving 30M+ end users.

Senior Product Manager / Head of Analytics · 2023

  • 5,000+ enterprise clients on the platform.
  • Client churn down 25% over the same period.
$1.5M+Annualized savings

Dukaan

ML carrier optimization across 5M+ merchants, during a 50-70% month-on-month growth phase.

Senior Product Manager · 2022

  • Return-to-origin down 10%.
  • Merchant churn down 20%; activation up 30%.
  • The model picked the carrier. The hard part was making five million merchants trust a decision they did not make.
<24hLoan processing, from 7 days

Infosys

Credit decisioning for Fortune 500 banking clients, across three regulated banking verticals.

Product Manager · 2018 - 2021

  • 500K+ users · $100M+ monthly transaction volume.
  • Built under SOX and GDPR controls, with the audit trail as a product requirement rather than an afterthought.
  • Led 5 associate PMs across the US, UK and India.
  • Loan defaults down 70% on the credit-decisioning platform.
25%Lower inventory carrying costs

$200M+ manufacturer

Demand and inventory forecasting for a $200M+ manufacturer, built independently end to end.

Independent engagement · manufacturing

  • ARIMA, GARCH and neural-network ensembles running in production against real procurement decisions.
  • Forecast accuracy improved 40%, which is what moved carrying costs: better forecasts mean less hedging stock sitting in a warehouse.
  • No data team, no platform team. Ninety days from a first conversation to a forecast someone ordered stock against.
2026
US commercial lending AI platform. Founding product role across the loan lifecycle, from origination and financial spreading through underwriting, closing and servicing.
Credentials
Schools
PGDABA, IIM Ahmedabad · CORe (High Honors), Harvard Business School Online
Shipped in
Banking & credit · Payments & auth · E-commerce SaaS · Healthcare · Manufacturing AI
Based
Bengaluru, India. Shipped across the US, UK and India.

More on how I work