Fractional CTO · Commerce · Logistics · Lending
I've already built the systems you're about to need.
Ex-Blinkit, Porter and Urban Harvest. Fractional CTO for commerce, logistics and lending startups. A written 90-day plan in 14 days.
160 → 85 days
15 → 50+
500 stores
What I fix.
Direct architectural remediation where technical design directly protects gross margin.
Checkout holds up on your biggest sale day.
High-concurrency cart pipelines, dark-store inventory locks, dynamic coupons, and sub-50ms checkout resilience.
Every order finds a rider in seconds.
Intra-city driver fleet dispatching, battery-efficient GPS telemetry, routing optimization, and automated SLA tracking.
Your ledger matches the bank, every day.
Immutable double-entry balance ledgers, algorithmic credit underwriting rules, automated reconciliation, and risk verification.
How it starts.
Audit (2 weeks) → 90-day plan → I lead the build.
Architecture Audit
I inspect your codebase, cloud spend, and pipeline bottlenecks. You receive a written risk scorecard and prioritized fixes.
90-Day Tech Plan
We define an operational roadmap with concrete milestones. The full audit fee is credited toward follow-on retainers.
I Lead the Build
I lead your technical architecture, review pull requests, and keep engineering aligned with business revenue.
Engagement models.
Transparent pricing with zero junior handoffs. Full IP ownership transferred upon invoice payment.
Architecture Audit · $12,000 fixed
2-week comprehensive codebase, pipeline, and infrastructure review. 100% credited toward a retainer started within 30 days.
Fractional CTO
3-month minimum commitment, followed by 30 days notice.
Weekly architectural governance, hiring senior talent, critical PR reviews, roadmap feasibility, and board updates.
Embedded CTO + Senior Team
3-month minimum commitment, followed by 30 days notice.
Hands-on fractional CTO leadership paired with 2–4 senior engineers for end-to-end platform builds and modernization.
A note from the founder
“I spent 12 years building the systems that break first when commerce, logistics and lending companies grow: order flows, dispatch, ledgers. Now I help a few funded founders at a time get those right early. You work with me directly, you own every line of code, and you'll know exactly what we're fixing and why.”
— Umesh
Tell me what's slowing you down.
Noida, India · Reply the same business day (IST)