$10M+
Daily Volume
7+
Years in AI/Fintech
Building products at the intersection of AI and finance
I'm Ayush Ojha, a Product Builder at Tilli — shipping ML inference, backend services, and product surfaces end-to-end. Previously built ML risk infrastructure at Morgan Stanley and scaled Khalti to Nepal's largest digital wallet. Currently pursuing MS CS at Georgia Tech.
Experience across leading organizations
Years Experience
Daily Transactions
Users Reached
Georgia Tech
About
What I do
I build AI and fintech products end-to-end — training models, writing the services around them, and shaping the product surface they live inside. My work spans LLM and voice systems, ML risk and fraud models, and digital payment infrastructure that serves millions of users.
At Tilli, I build an AI-powered adaptive assessment platform — ML inference on AWS, high-throughput FastAPI services, and adaptive learning algorithms using gradient-boosted models and contextual bandits. Previously at Morgan Stanley, I architected ML model serving and LLM/RAG pipelines for a $2T+ AUM risk platform, and at Khalti I scaled Nepal's leading digital wallet to process over $10M in daily transactions.
AI & Machine Learning
- LLM Applications
- RAG Systems
- Risk Models
- Fraud Detection
Product & Strategy
- Roadmapping
- A/B Testing
- KPI Design
- Stakeholder Mgmt
Fintech & Payments
- Digital Wallets
- Payment APIs
- KYC/AML
- PCI Compliance
Technical
- Python
- SQL
- REST APIs
- Data Pipelines
Experience
Where I've worked
Dec 2025 — Present
Product Builder
Tilli (TilliKids) · Remote
Architect and build an AI-powered adaptive assessment platform end-to-end — shaping the product surface, writing the services behind it, and shipping ML inference on AWS Lambda/EC2 with pytest, Docker, and GitHub Actions CI/CD
Apr 2024 — Nov 2025
Product Builder
Morgan Stanley · San Francisco, CA
Architected end-to-end ML model serving infrastructure in Python and Go for an AI risk analytics platform supporting 500+ institutional clients and $2T+ AUM — microservices for feature engineering, distributed training, batch and real-time inference, and automated drift detection
May 2021 — Aug 2023
Product Leader
Khalti · Lalitpur, Nepal
Led the consumer wallet and merchant platforms for Nepal's leading digital wallet (3M+ MAU, $10M+ daily volume), owning product strategy and writing the backend services alongside engineering — P2P, bill pay, merchant checkout, refunds, and payouts for ~1.5 million daily transactions in Python, PostgreSQL, Redis, and Kafka
Portfolio
Work & Resources
Projects I've built, templates I use, case studies, product teardowns, and curated reviews for product builders.
AI / EdTech
Tilli (TilliKids)
Building an AI-powered adaptive assessment platform end-to-end — ML inference services, high-throughput APIs, and adaptive learning algorithms using gradient-boosted models and contextual bandits.
Enterprise
AI Risk Analytics Platform
Led development of AI-driven B2B risk analytics platform using generative AI and predictive models at Morgan Stanley.
Fintech
Khalti Digital Wallet
Led product strategy for Nepal's leading digital wallet, scaling to $10M+ daily transactions with AI-powered personalization and risk scoring.
Fintech
Manini Pay
Led product discovery and launch of cloud-native digital wallet platform with ML-powered fraud detection and risk scoring.
GovTech
Smartpalika E-Governance
E-governance platform for municipalities covering citizen registry, online tax payments, and permits. Deployed across 20+ municipalities.
Hackathon
ML Phishing Detector
Browser extension using ML to detect and warn users about real-time phishing attempts. Security Pal Hackathon winner.
Non-profit
Prince Labs
Co-founded initiative to lead Hult Prize programs across Nepal, mentoring 100+ student startup teams in social entrepreneurship over 3 years.
Hackathon
Himalayan Artisan Connect
Mobile platform connecting remote Himalayan artisans and farmers directly to urban markets. 1st Place at Udhyam Innovation Challenge.
Hackathon
AI Learning Path Generator
AI-powered personalized learning path generator adapting to student learning styles. 1st Place at Deerhack Hackathon.
Hackathon
Code Performance Optimizer
Tool to automatically optimize Python/JS code for performance and readability using static analysis. 1st Place at Code Brisk Hackathon.
Hackathon Wins
Building innovative solutions under pressure
Recognition
Awards & achievements
Recognized for innovation in technology and impact in fintech.
View all awards2020
National Innovation Award
Government of Nepal
2021
Udhyam Innovation Challenge - 1st Place
Code Himalaya, India
2022
Deerhack Hackathon - 1st Place
Deerhack
2022
Code Brisk Hackathon - 1st Place
Code Brisk
Let's work together
Whether you're looking for product strategy guidance, AI implementation advice, or just want to connect, I'd love to hear from you.