Technology Leadership · CTO

Utkarsh Goyal

Chief Technology Officer & Whole-time Director

Mentor Finmart Pvt. Ltd.  ·  Maitrii Infotech Solutions Pvt. Ltd.

“Bridging decades of financial expertise with modern technology — building the digital infrastructure that drives Maitrii's next chapter of growth.”

Utkarsh Goyal
4+
Years Experience
20+
Products Shipped
30
Person Tech Team
5+
Global Clients
About

A Technology Leader Built on Financial Foundations

An engineer from Manipal University with 4+ years spanning the Finance and Information Technology sectors, Mr. Utkarsh Goyal serves as Promoter of Mentor Finmart Private Limited and Whole-time Director of Maitrii Infotech Solutions Private Limited — a 30-person custom software development studio headquartered in Jaipur.

What sets Mr. Goyal apart is the rare combination of deep financial domain knowledge and hands-on engineering leadership. His career began at the intersection of credit analytics and operations — as a Credit Analyst at Dar Credit & Capital and subsequently as Finance & Operations Lead at Maitrii Finmart — before he channelled that experience into building the technology layer that modern financial services demand.

At Mentor Finmart, he has been instrumental in driving the Company's technology strategy, leveraging innovative digital solutions to enhance operational efficiency, strengthen information security, and accelerate digital transformation across the lending lifecycle — from borrower onboarding and KYC automation to EMI scheduling, loan management, and compliance reporting.

With expertise in software development, IT governance, enterprise technology, and process automation, Mr. Goyal leads all technology initiatives, ensuring that every system deployed is scalable, secure, and directly aligned to the business outcomes that matter for an RBI-licensed NBFC. His forward-looking vision has been central to modernising the Company's digital infrastructure and building a robust digital foundation for long-term growth.

Expertise

Technology Leadership, Applied to Fintech

Digital Transformation
Converting paper-based and spreadsheet-driven lending workflows into structured, auditable digital platforms — reducing errors and accelerating loan processing.
IT Governance & Security
Designing and implementing security architectures, access-control frameworks, and data isolation policies that meet RBI regulatory standards for NBFCs.
Process Automation
Building automated EMI schedulers, KYC pipelines, payslip engines, and background job queues that remove repetitive manual coordination from operational workflows.
Fintech Product Architecture
Architecting multi-tenant SaaS lending platforms with granular RBAC, Aadhaar/GST KYC integration, and plan-tiered feature gating — from LOS to collection management.
Engineering Team Leadership
Leading a 30-person cross-functional engineering team delivering web, mobile, and AI products across fintech, logistics, healthcare, and HR technology verticals.
AI & Intelligent Automation
Delivering role-aware AI assistants, LLM integrations, and Computer Vision applications — including LeafSense AI (custom YOLO + vision-LLM plant diagnosis) — that automate real business workflows.
Career

From Finance to Technology — The Leadership Arc

January 2024 — Present
Founder & Whole-time Director
Maitrii Infotech Solutions Pvt. Ltd., Jaipur
Built and currently leads a 30-person engineering studio delivering custom software for SMBs across the US, Europe, and Australia. Technology portfolio spans fintech loan origination, logistics management, HRMS, clinic management, and AI-powered products. 20+ production platforms shipped globally.
July 2022 — December 2023
Finance & Operations Lead
Maitrii Finmart (Mentor Finmart Pvt. Ltd.), Jaipur
Managed finance and compliance operations for an RBI-licensed NBFC, gaining deep domain understanding of loan origination, collections, reconciliation, and regulatory reporting. This operational experience directly informs the technology decisions he now makes as CTO — building systems that work for people who actually process loans.
January 2022 — June 2022
Credit Analyst
Dar Credit & Capital
Began career in credit analysis — evaluating borrower profiles, assessing risk, and building the quantitative foundations that underpin his understanding of the lending business. This hands-on credit experience gives him a perspective on fintech products that purely technical founders cannot offer.
Technology

The Stack Behind the Vision

TypeScriptNode.jsReact.jsNext.jsMongoDBPostgreSQLAWS EC2 / S3DockerCI/CD PipelinesOpenAI APILangChain RAGComputer VisionReact NativeFirebaseRedis / BullMQJWT / RBACRazorpayAadhaar / GST KYCSocket.IOPM2 / NginxPythonGitHub Actions
Leadership Philosophy
“Good ideas die in bad software. My job is to make sure that never happens — by building technology that is as rigorous in its engineering as the financial products it serves.”
— Utkarsh Goyal, CTO & Whole-time Director, Maitrii Infotech Solutions Pvt. Ltd.
Strategic Initiatives

Technology Driving Maitrii's Growth

01 / LENDING DIGITISATION
End-to-End Digital Loan Journey
Replacing physical application forms with a fully digital borrower onboarding flow — from eligibility check and Aadhaar KYC verification through credit appraisal, sanction, disbursement, and repayment — reducing loan processing time and documentation errors.
In Deployment
02 / INFRASTRUCTURE
Secure Cloud Migration & Scalability
Migrating critical operational systems to AWS-managed cloud infrastructure with automated CI/CD pipelines, zero-downtime deployments, and proactive monitoring — ensuring high uptime across all customer-facing platforms.
Ongoing
03 / AI INTEGRATION
Intelligent Automation for Lending Operations
Embedding AI-assisted decisioning tools, automated EMI calculation engines, and intelligent document processing workflows that reduce manual underwriting effort and improve processing accuracy across Maitrii's loan portfolio.
In Research