Field notes · 2026
I'm at my best where three things meet: software, banking and rural India. Most of what's on this page is me trying to make those three work together.
3Careers on one route: tech, a big bank, development finance
45+Free tools live on my most-used site
6Working papers on credit, climate and satellite data
1Question behind all of it: does this reach the farmer?
The route
Three legs, one direction.
Each job gave me a way of seeing the problem that I didn't have before. I studied geo-informatics, so I tend to think in maps, layers and districts.
2019 — 2021
Code
Systems engineer · a global IT services major
Built GIS and digital-twin systems for electricity utilities in Australia and the UK. Taught me how large systems actually ship.
2022 — 2024
Credit
Probationary officer · one of India's largest public sector banks
Worked in branch banking with real customers, real loan files and real constraints. Taught me where the money gets stuck.
2024 — now
Countryside
Officer · a national development finance institution
I design and run training for bankers who serve rural India, and I work on data, IT and AI initiatives. I'm trying to answer one question: can technology reach the last branch?
Layer 01 · Builder
I learn by building things.
Reading about a system tells me what it claims. Building one tells me what it costs. These are independent projects I build in my own time.
01 · web toolsLive
testyourdevice.com
Free browser tools for testing your mic, camera, keyboard, screen and more. No install and no sign-up. Most visitors find it through search.
45+tools
60+guides
~10kvisits a month
Visit site↗
02 · public infoLive
PerkNavigate
Plain-language guides and calculators for employee pay, perks and pay-commission changes.
Visit site↗
03 · digital goodsLive
YourDigiverse
Illustrated devotional e-books and simple Indian money tools. I made every page by hand.
Visit store↗
04 · SaaSEarly access
PracticeOak
Appointment booking for Indian professionals: CAs, therapists, salons.
Visit site↗
05 · agri dataIn build
Agriverse
An open-data agriculture platform with three views: one for farmers, one for institutions, one for policy. Voice-first and privacy-first.
Coming soon◌
06 · mobile + OCRIn build
FormSahayak
Point a phone at a rural loan form and it flags the blank fields and missing signatures before the form reaches the branch.
Coming soon◌
07 · just for funFan project
HubOfGTA
An unofficial fan hub for a game I'm looking forward to, built mostly to test new web tech. Not affiliated with the game's publisher.
Visit site↗
Layer 02 · Banker
Teaching bankers to go digital.
The kinds of work I do in development finance, described in general terms. No institutional data, documents or positions are shared here.
01
A bank you can practise on
For a two-day programme on digital-native banking for senior bank executives, I built a complete offline demo bank with 11 hands-on tools. Participants run the processes themselves instead of watching slides.
02
Feedback that leads to decisions
I combined feedback from dozens of training programmes, more than a thousand responses, into one live dashboard. Patterns that used to sit in folders are now visible at a glance.
03
Mission control for programmes
A tracker that follows hundreds of programmes through every stage from plan to completion report, plus an automated morning brief so nothing slips.
04
District-level credit data
I extracted and cleaned credit-potential data for every district of a large state, then built data-entry tools so field officers can add to it.
Layer 03 · Researcher
Questions I ask of district data.
I research in panels and maps, using public data: credit, rainfall, night-lights, satellite greenness. These are my own working papers.
Published series
A data series on rural credit and financial inclusion
A recurring data series on rural credit and financial inclusion, published in CAB Calling, a journal for the banking community.
Working paper
Does farm credit follow the monsoon?
Rainfall shocks and agricultural lending across districts.
Working paper
Night-lights and credit: are districts converging?
Satellite night-time light as a proxy for growth, compared with how credit spreads.
Working paper
Fewer borrowers, bigger loans
What happens to inclusion when loan sizes grow faster than the number of accounts.
Working paper
Farm fires and the credit cycle
Stubble burning seen from orbit, alongside farm finance on the ground.
Working paper
Heat, drought and crop greenness
Using vegetation indices to see climate stress before it shows up in loan books.
Working paper
Environmental stress and where people move
Forest, air, climate and water stress compared with population change across districts.
House ruleAssociation, not causation. When the data can't prove something, I say so.
Layer 04 · Explorer
Off the clock, under the sky.
Deserts, hill towns, the coast I grew up near, and the darkest skies I can get to.
BadmintonEarly mornings, solid defence, still working on the smash
CricketPlaying and watching
StargazingWhy this site goes dark at night
BikingHill roads on a rented scooter
PhotographyMostly landscapes and skies
Books & musicAlways one of each on the go
Now · November 2026
What I'm working on.
Building
- ShippingThis site. Launching v1 and sharing it.
- BuildingAgriverse. Open agri data that farmers can use by voice.
- BuildingFormSahayak. On-device checking for loan forms.
Learning
- LearningAI risk & governance. How banks should check models before trusting them.
- LearningSmall, local language models. AI that runs offline, in a branch.
- WritingTurning the working papers into readable data stories.