Abu Dhabi, UAE

I build AI that
banks actually
deploy.

12 years inside Emirates NBD. 8 years building production technology. I combine deep banking domain knowledge with hands-on AI engineering — from lead scoring to sales intelligence to internal automation. Specialist in financial services. Selective projects in other regulated industries.

Book a 15-min fit callSee case studies

0

years across tech & banking

0+

client projects delivered

Top 0%

performer at Emirates NBD

0

AI products shipped

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Measured Results

2 min → 45 sec

Lead recommendation time

AI Leads Portal — Emirates NBD expo

70%

Manual data work eliminated

Premier Radar — sales intelligence automation

1,600+

Production source files shipped

Enterprise-grade, not weekend demos

4 verticals

Ready to deploy from one platform

Banking live, insurance / real estate / recruitment staged

The Origin

Two careers.
One unusual advantage.

01

2006 — 2014

Technology & Digital Delivery

B.Tech in Information Technology. 8 years delivering web and digital solutions end-to-end. Built 100+ websites for clients across industries. Joomla, WordPress, custom applications.

Full project lifecycle — from client acquisition and requirements gathering to development, digital marketing, SEO, and post-launch support. I learned to build what clients actually need, not what looks good in a proposal.

Web DevelopmentSEODigital MarketingClient SalesWordPressJoomla

02

2014 — Present

Senior Banker

Joined Emirates NBD — one of the largest banks in the Middle East. 12 years in retail banking and B2B sales. Priority banking, relationship management, wealth advisory.

Earned the GEMS Sapphire Award — top 1% performer across the entire bank. Certificate of Achievement from the Group CEO. I understand what banks need because I've lived it for over a decade.

Retail BankingB2B SalesRelationship MgmtWealth AdvisoryPriority BankingTop 1%

Now

The missing chapter.

Most people have either technical skills or domain expertise. I have both — and 20 years of proof. Now I'm combining 8 years of building technology for clients with 12 years of understanding banking from the inside. The result: AI products and consulting that solve real problems, not theoretical ones.

Sivakumar Chandrasekaran

Meet Sivakumar

A technologist inside banking.
Now building with AI.

I'm not the typical AI consultant who learned about banking from a case study. I've spent 12 years inside Emirates NBD — managing clients, closing deals, understanding the real friction points that technology vendors never see.

Before banking, I spent 8 years delivering 100+ web projects for clients. I have a B.Tech in IT. I understand technology from the ground up.

Now I'm combining both worlds. I build AI products and ML models that solve problems I've personally experienced. That's the difference between a consultant who theorizes and one who builds from lived experience.

Available for projects
|Abu Dhabi, UAE

What I Do

I don't just advise.
I build.

Most AI consultants hand you a strategy deck. I hand you working software. From data science and ML models to full-stack AI applications — deployed, tested, and ready.

01

AI Product Development

Full-stack AI applications built on Next.js, Node.js, Python. LLM integration (Claude, GPT, Gemini), RAG systems, multi-agent orchestration. From prototype to production on GCP.

Next.jsNode.jsPythonLLMRAGGCP

02

Machine Learning & Data Science

Prediction and forecasting models. Feature engineering, model training, evaluation, deployment, and monitoring. I build ML pipelines that go from raw data to business decisions.

Feature EngineeringPredictionForecastingModel DeploymentMonitoring

03

AI Strategy for Banks & Fintechs

I've been inside banking for 12 years. I know which AI use cases actually work versus which ones just look good in a pitch deck. I help you skip the expensive consulting phase and go straight to building.

Use Case IDVendor EvalROI AnalysisImplementationBanking Domain

04

Cloud Deployment & Infrastructure

Google Cloud Platform specialist. Cloud Run, Cloud SQL, Pub/Sub, Secret Manager, Docker containers. I don't just build it — I deploy it, monitor it, and keep it running.

GCPCloud RunDockerPostgreSQLRedisCI/CD

12 Years Inside Banking

Problems I've seen.
Solutions I've built.

Real stories from inside Emirates NBD. Anonymized, but every banker who reads these will recognize them.

The Problem

A relationship manager managing AED 200M+ in client assets was tracking everything in Excel. Updates took hours. Errors were invisible until clients complained.

The Insight

“Banks have world-class core systems but the last mile — the RM's daily workflow — is held together by spreadsheets and memory.”

What I Built

AI-powered client intelligence that surfaces the right action for the right client at the right time. No spreadsheet required.

Portfolio

Built. Deployed.
Delivering results.

Each system solves a real business problem in production — not a demo, not a proof of concept. Here's what changed after deployment.

Enterprise AI Platform

Premier Radar

B2B Sales Intelligence for Banking

70%

Manual work cut

4

Verticals ready

40+

AI tools

1,600+

Source files

Next.js 14Node.jsPostgreSQLpgvectorClaude APIGPTVertex AIGCP Cloud RunRedisPub/Sub

Business Impact

Eliminated 70% of manual prospecting work. Relationship managers get AI-scored, AI-enriched leads with one-click outreach — instead of 2 hours in spreadsheets every morning.

One intelligence engine serving multiple verticals. Live for banking, with insurance, real estate, and recruitment ready to activate. AI-powered company discovery, contact enrichment, composite lead scoring, and automated outreach generation.

How It Works

  • ▸Composite scoring: Quality + Timing + Likelihood + Engagement
  • ▸Multi-provider LLM gateway with automatic failover
  • ▸RAG-first architecture — 70% internal knowledge reuse
  • ▸Real-time signal detection: hiring, funding, news, email patterns
  • ▸Multi-tenant SaaS with Stripe billing and RBAC

AI Consulting Engine

SKC Digital

Strategic Analysis That Scales

Live

skc.digital

30+

Case studies

4

AI personas

6

Learning modules

Next.js 14TypeScriptVertex AI (Gemini)PostgreSQLpgvectorGCP Cloud RunStripe

Business Impact

Delivers executive-grade strategic analysis in minutes instead of weeks. Replaces the 'junior analyst + PowerPoint' workflow with AI agents that reason across 30+ real failure case studies.

An AI consulting engine providing judgment frameworks, executive simulation, and learning systems. Proves that AI agents can deliver what consulting firms charge millions for — faster and with structured reasoning.

How It Works

  • ▸Executive conversation simulator: CEO, CFO, GC, Board personas
  • ▸AI-powered daily brief generation with spaced repetition
  • ▸30+ real-world AI failure case studies with structured analysis
  • ▸Self-learning calibration system for decision quality
  • ▸Deployed and live at skc.digital

Conversational AI

AI Leads Portal

Real-time Lead Capture for Bank Expos

<45s

Time to match

7

Scoring factors

4

Intent flows

Self

Learning weights

Node.jsOpenAI GPT-4oVertex AIFirestoreExpressService Workers

Business Impact

Cut lead recommendation time from 2 minutes to under 45 seconds. Bankers at expo booths get instant, AI-scored product matches — no more guessing which product fits which visitor.

Conversational AI that captures visitor intent at banking expos, scores leads in real-time, and routes them to the right product and banker. Self-learning scoring engine that improves with every interaction.

How It Works

  • ▸Reduced time-to-recommendation from 2 minutes to under 45 seconds
  • ▸Intent-based flows: Salary, Loans, Cards, Investment
  • ▸Self-learning score engine with adaptive weights
  • ▸Dynamic lead scoring with 7 weighted factors
  • ▸Offline capability via service workers for expo environments

The Transformation

From spreadsheet chaos
to AI-powered clarity.

Real workflows I've replaced. Same data, completely different outcome.

Before

Before: 2 minutes per lead
NameCompanyProductScore?StatusNotes
Ahmed K.Al FuttaimBusiness Acc???PendingCalled, no answer
Sarah M.ADNOC subPremiumHigh?Follow upInterested maybe
Raj P.Unknown LLCPersonalLowSkip?Not sure
Maria L.EtisalatCorp CardMed?WaitingNeed more info
.........???...Ask manager

After

After: 45 seconds, AI-scored
LeadAI ScoreSignalAction
Sarah M. — ADNOC94Active RFP + budget signalCall now
Ahmed K. — Al Futtaim87Expansion phasePriority follow-up
Maria L. — Etisalat62Stable, no urgencyNurture sequence
Raj P. — Unknown LLC23No signals foundAuto-deprioritized

The Failure Museum

Things that went wrong.
And what I built because of them.

Everyone shows wins. Here are the losses that shaped how I work today. 20 years means 20 years of learning what not to do.

Why Me

I've been on
both sides of the table.

There are thousands of developers who can build a Next.js app. There are thousands of bankers who understand retail banking. There are almost zero people who are both.

When I design an AI scoring algorithm, I don't guess what sales teams need. I know — because I've been that salesperson for 12 years. When I build a lead capture system, I don't read about expo workflows in a brief. I've worked those expos.

And when I deliver a project, I don't disappear. I've delivered 100+ projects to clients over 8 years of full-lifecycle technology delivery. I know what “done” means.

B.Tech in Information Technology

Formal technical education

8 Years — Technology & Digital Delivery

100+ client projects. Full lifecycle — requirements to delivery.

12 Years — Emirates NBD

Senior Retail Banking Officer. Priority banking. B2B sales.

GEMS Sapphire Award

Top 1% performer across all of Emirates NBD

CEO Certificate of Achievement

Group CEO recognition for outstanding performance

Data Science & ML

Feature engineering, prediction, forecasting, model deployment & monitoring

Full-Stack AI Development

Next.js, Node.js, Python, PostgreSQL, GCP, LLM integration

ROI Calculator

What would AI actually
save your business?

Not hypothetical. Based on real results from production AI systems I've built.

Question 1 of 6

How many leads or prospects does your team handle monthly?

200leads/month

AI Diagnosis

Not sure what you need?
Let's find out in 60 seconds.

5 questions. Personalized recommendation. No forms, no calls, no BS.

Question 1 of 5

What's your biggest operational pain right now?

How I Work

Simple process.
Real outcomes.

01Week 1

Understand

We talk. I listen. I ask hard questions about your business, your data, your pain points. I don't assume — I learn. This isn't a generic discovery session. It's a deep dive from someone who's spent 12 years inside banking.

02Weeks 2-4

Build

I build a working solution — not a slide deck. You get functional software you can touch, test, and evaluate. Weekly check-ins so you see progress, not surprises. I deploy to production, not a demo environment.

03Week 4+

Deliver

You get the deployed application, the source code, and the documentation. Two weeks of post-launch support included. If you need ongoing support, we set up a retainer that makes sense for both of us.

Engagement options

Assessment

$3,000

  • ▸Top 3 AI use-cases ranked by ROI
  • ▸Financial model with projected savings
  • ▸30/60/90-day implementation roadmap

MVP Sprint

$8,000 — $12,000

  • ▸Working app deployed to production
  • ▸Source code + docs + monitoring
  • ▸2 weeks post-launch support included

Monthly Retainer

$3,000 — $5,000/mo

  • ▸8 dedicated hours/month
  • ▸Quarterly AI roadmap + prioritization
  • ▸Monthly shipped improvements

My Guarantee

If I don't identify at least 3 high-ROI AI use cases in your Assessment week, you get your $3,000 back — plus $1,000 for wasting your time.

20 years of experience means I know when AI is the answer — and when it isn't. You take zero risk finding out.

Book Assessment

Let's Talk

Need AI that
actually ships?

Whether you're hiring an AI leader, need a production system built, or want a second opinion on your AI strategy — 15 minutes will tell us both if there's a fit. No pitch. Just a conversation.

✉sivar@sivakumar.aiinlinkedin.com/in/uaesivakumar

Based in Abu Dhabi, UAE. Available for remote work globally.

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