Teerath Kumar

About

I'm an engineering leader with 12+ years building and scaling fintech, ERP, and IoT platforms across Laravel, Node.js/NEST, Python, React, Vue.js, AWS, and Azure. At Thardeep Microfinance Foundation, I led the digitization of a fintech ERP serving 150,000+ customers and 1,500 employees, processing PKR 100-150M in daily loan repayments. We replaced a fully paper-based loan process with an Android app featuring biometric capture, GPS, and document scanning, integrated with bank repayment channels (UBL, HBL, JazzCash, Easypaisa, OneLink). This cut loan disbursement time from 15-25 days to same-day approval. At V2F Solutions, I led a team of 4-7 engineers across Laravel, Node.js, React, and Vue.js projects, delivering a US-based Loan Management System (early settlement, balloon payments, automated repayment via PayPak/1Link), an IoT platform for a UAE client processing millions of sensor readings per hour, an event management platform with UTM tracking and LinkedIn integration, and a RAG-based pet health AI portal. Currently at Centric, I work on AI-enabled product workflows using Pimcore, Symfony, Laravel, Node.js, and React, with SAP data integration and AWS-based deployments. I'm currently preparing for the Microsoft Azure AZ-305 (Solutions Architect Expert) certification.