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AI Product Engineer

Ideas into products. Curiosity into work.

I've built and scaled two AI product teams at Finally and Loan Labs, and I care about the whole journey: the idea, the design, and why someone chooses it.

AI · startups · fintech · philosophy · chess

Illustrated portrait of Ashwin Rachha
Currently building at Loan LabsPreviously Finally · Virginia Tech

Experience.

From research to real-world products.

Loan LabsApplied AI EngineerJan 2026 – Present
  • Building Lois at an early-stage mortgage technology startup for internal and pilot workflows.
  • Re-architected Lois from one-off Ruby LLM calls into a LangGraph agentic system on Amazon Bedrock AgentCore for mortgage-document classification, lender-specific renaming, and policy validation.
  • Built agent-facing Rails APIs, borrower email intake, and an in-product conversational interface so users could handle loan documents and initiate agent actions in LoanOS.
  • Designed fail-closed authorization for Composio integrations: tenant/owner scoping, separate write/send/merge/archive permissions, reviewed tool allowlists, and execution-time checks that invalidate revoked access.
  • Connected CRM and document workflows across Google Drive, Box, Salesforce, HubSpot, Pipedrive, OneDrive, and SharePoint with fine-grained access controls and blocked delete actions.
  • Introduced an AI-assisted software delivery workflow linking Linear/Notion product context, technical specifications, shared company knowledge, and senior-engineer code review.
LangGraphAmazon BedrockAgentCore RuntimeAgentCore GatewayMCPRuby on RailsPythonComposioSalesforceHubSpotGoogle DriveBoxSharePoint
FinallyAI Product Engineer / Tech LeadFeb 2024 – Jan 2026
  • Joined as Finally’s first AI Product Engineer and led a three-engineer team that took Classify AI from prototype to production; built an LLM-assisted bookkeeping workflow processing 50K+ daily transactions and reducing manual categorization by ~80%.
  • Designed a retrieval-augmented transaction-classification system using LangChain, Pinecone, Elasticsearch, Redis, Celery, Django, and W&B; combined semantic transaction history, merchant enrichment, and custom charts of accounts for bookkeeping recommendations.
  • Evolved Classify AI from CSV upload to automated bank-data ingestion with Plaid/Teller, OCR-supported statement processing, reconciliation checks, and QuickBooks push; helped reduce first-month close time from 4+ months to ~2 weeks.
  • Architected reusable banking infrastructure for account linking, token lifecycle management, encrypted access-token storage, webhooks, transaction synchronization, statement retrieval, and provider-normalized account data.
  • Built cash-based underwriting for Finally’s corporate-card product using 90-day bank data, daily-balance reconstruction, Z-score logic, weekly recalculation, audit history, notifications, and manual-override controls. Underwrote $3M+ in credit for 50+ companies in approximately three months.
PythonDjangoReactPostgreSQLLangChainPineconeElasticsearchRedisCeleryPlaidTellerW&B
UNAR LabsMachine Learning EngineerJun 2023 – Aug 2023
  • Developed accessibility-focused backend and data pipelines for visually impaired users using OpenCV, PyTorch, Transformers, FastAPI, Docker, GCP, and Hugging Face.
  • Architected and optimized data pipelines for preprocessing, model training, and inference.
  • Deployed scalable ML solutions on GCP with Docker containerization and Hugging Face model integration.
PythonPyTorchOpenCVTransformersFastAPIGCPDockerHugging Face
OutreachMachine Learning Platform Engineer InternMay 2022 – Aug 2022
  • Built reusable NLP inference and deployment infrastructure with PySpark, MLflow, ONNX, NVIDIA Triton, Docker, Go/Python microservices, CI/CD, and GKE.
  • Developed PySpark + MLflow pipelines for text processing and served ONNX models on NVIDIA Triton.
  • Built Golang/Python microservices with Docker, unit tests, and CI/CD.
PythonGoPySparkMLflowONNXNVIDIA TritonDockerGKE

Featured Projects & Deep Dives.

Click any card to inspect the real-world impact, architecture, metrics, and technical write-up.

Lois agentic loan workflow at Loan Labs
01Loan Labs
Agentic AI

Lois — Agentic Mortgage Workflows

LangGraph-powered agent system on Amazon Bedrock AgentCore for document processing and lender policy validation

-85%DOCUMENT CYCLE TIME
LangGraphAmazon BedrockAgentCore RuntimePython+4
Inspect modal & metricsDeep dive available
Classify AI transaction classification at Finally
02Finally
Fintech

Classify AI — 50K+ Daily Transaction Engine

Hybrid semantic retrieval and LLM-assisted categorization reducing manual bookkeeping by ~80%

50K+TRANSACTIONS / DAY
PythonDjangoLangChainPinecone+5
Inspect modal & metricsDeep dive available
Cash-based underwriting dashboard at Finally
03Finally
Fintech

Cash-Based Underwriting Engine

Real-time credit risk modeling using 90-day bank balance reconstruction and volatility scoring

$3M+CREDIT UNDERWRITTEN
PythonDjangoPostgreSQLRedis+5
Inspect modal & metricsDeep dive available
Gurukul adaptive learning environment
04Virginia Tech
EdTech / Research

Gurukul — LLM CS Education & Master's Thesis

Adaptive learning environment with Socratic guardrails and RAG (Virginia Tech M.S., 130+ citations)

130+ACADEMIC CITATIONS
PythonFastAPITransformersLangChain+4
Inspect modal & metricsDeep dive available
Reusable Banking Infrastructure
05Finally
Fintech

Reusable Banking Infrastructure

Encrypted token lifecycle, Plaid/Teller webhooks, and provider-normalized transaction sync

50+BUSINESSES CONNECTED
PythonDjangoPostgreSQLPlaid API+4
Inspect modal & metricsDeep dive available
Accessibility ML Vision & Speech Platform
06UNAR Labs
ML Systems

Accessibility ML Vision & Speech Platform

Computer vision and NLP data pipelines for visually impaired users deployed on GCP

<150msPROCESSING LATENCY
PythonPyTorchOpenCVTransformers+4
Inspect modal & metricsDeep dive available
NLP Inference & Triton Serving Platform
07Outreach
ML Systems

NLP Inference & Triton Serving Platform

High-throughput ML platform using PySpark, MLflow, ONNX, and NVIDIA Triton on GKE

<20msINFERENCE LATENCY
PythonGoPySparkMLflow+5
Inspect modal & metricsDeep dive available
How I Think & Build

Engineer’s rigor, product instincts.

Click any discipline to inspect what I use with my Claude Code & Codex setup, my engineering workflows, and direct backlinks to my work.

01Inspect setup ↗

Engineering

Production apps, resilient APIs, agentic orchestration, and CI/CD that ships.

LangGraphBedrock AgentCoreDjangoFastAPIRailsNext.jsDockerKubernetes
Spec-first planning in Claude Code; every change ships behind tests and PR review.
02Inspect setup ↗

Product

MVP scoping, spec-driven engineering, and user metrics tied to measurable outcomes.

Linear-to-CodeSpec DecompositionUser ResearchA/B TestingOKRsHuman-in-the-Loop
Linear & Notion context linking directly to technical specifications, state machines, and code delivery.
03Inspect setup ↗

AI & Analytics

RAG, hybrid semantic search, predictive models, and telemetry from data to deploy.

PineconeElasticsearchLangChainLangGraphBedrockW&BPyTorchTriton
Hybrid retrieval (dense vectors + sparse BM25) with continuous evaluation suites and zero hallucination tolerance.
04Inspect setup ↗

Strategy

Cash-flow risk modeling, underwriting algorithms, ROI, and stakeholder alignment.

Cash-Based UnderwritingRisk ModelingZ-Score VolatilityUnit EconomicsRoadmaps
Algorithmic underwriting and capital allocation models backed by 90-day daily balance reconstruction.

Something worth
building?

I’m interested in product engineering, applied AI, and founding engineering roles. Especially with people who care about how a product is built, experienced, and brought to market.

Let’s talk