Bengaluru, India

Aravind
Nampoothiry

Building India's real-time transaction risk scoring infrastructure at the Reserve Bank Innovation Hub. Public policy researcher turned fintech builder.

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About

Policy meets technology

I work at the intersection of public policy and financial technology, currently leading the Digital Payments Intelligence Platform (DPIP) at the Reserve Bank Innovation Hub. DPIP is an AI/ML powered system designed to score transaction risk in real time across India's banking ecosystem.

Before moving into technology leadership, I spent over two years in RBIH's research vertical, contributing to projects spanning credit access for gig workers, GenAI in banking, alternate authentication, and the Unified Lending Interface (ULI). My work has consistently focused on one question: how do we make financial systems work better for everyone?

I hold a Master's in Public Policy from the National Law School of India University and a BA in Political Science and History from St. Stephen's College, Delhi.

3+

Years at RBIH

10+

Stakeholders managed on ULI

4

Published research contributions

1st

All India in Economics, 2018

Experience

Where I have worked

Nov 2025 / Present

Reserve Bank Innovation Hub

Team Lead, Digital Payments Intelligence Platform

Building an AI/ML powered real-time transaction risk scoring system for India's banking ecosystem. Leading the technical direction of DPIP, a national-scale fraud prevention infrastructure.

AI / ML Fraud Prevention Leadership

Jun 2023 / Nov 2025

Reserve Bank Innovation Hub

Associate, Research

Research vertical member working on Credit for Urban Gig Workers, Automated Grievance Redressal, GenAI in Banking, Alternate Authentication, climate data aggregation, and the Unified Lending Interface (ULI).

ULI GenAI Financial Inclusion Climate Data

Aug 2022 / Jan 2023

Observer Research Foundation

Intern

Research in sustainable development, international economy, and climate finance. Contributed to G20-related policy papers and baseline poverty reports.

G20 Policy Research

Feb 2022

LIFE Mission, Government of Kerala

Student Intern

Prepared the Resource Mobilization Strategy for the completion of LIFE 2020. Conducted secondary data analysis for sustainable development goals and Vision 2030.

Oct 2020 / Jan 2021

Social Justice Department, Government of Kerala

Intern

Studied the implementation of rehabilitation policies for street dwellers, underprivileged communities, and persons with disabilities.

Education

Academic foundations

2021 / 2023

National Law School of India University

Master's in Public Policy

2018 / 2021

St. Stephen's College, Delhi

BA, Political Science and History

Choreography Society, Executive Member

2016 / 2018

Kendriya Vidyalaya

Humanities and Social Sciences

98% / Economics All India Topper, 2018

Publications

Research contributions

01 Towards Universal Social Security: Priorities for the G20 ORF

02 Tracking Sri Lanka's Tryst with the IMF Asia Times

03 India's G20 Presidency: Streamlining Social Security for the Unorganised Sector ORF

04 Development for All: Social Security and the G20 ORF

Skills

Areas of expertise

I

AI / ML

II

Public Policy

III

Financial Inclusion

IV

Design Thinking

V

Technical Leadership

VI

Stakeholder Management

Contact

Let's connect

Interested in financial technology, public policy, or building systems that serve at population scale? I would enjoy hearing from you.