HM / 01
Haardik Miglani
Fintech Matrix
NA field guide to shipping fintech

HAARDIK
MIGLANI

Technical Program Leader · I turn ambitious fintech ideas into shipped reality

I make complicated systems feel obvious, useful, and ready for prime time.

500+ Corporates onboarded₹25Cr+ Credit limits managed20+ Banking clients live in 4 monthsMultiple Fintech products launched
Get Started

Some ideas stay in decks.
Mine ship.
Usually with a few scars.

I sit where product, engineering, business, compliance, and reality collide — then turn the mess into momentum.

The highlight reel

Connected Banking
N ORIGINAL TOP 1

Connected Banking

20+ Clients in 4 Months

99% Match4K
Card Programs
N ORIGINAL TOP 2

Card Programs

500+ Corporates Onboarded

98% Match4K
Payments Infrastructure
N ORIGINAL TOP 3

Payments Infrastructure

₹43Cr+ Monthly Volume

98% Match4K
Investment Products
N ORIGINAL TOP 4

Investment Products

20 AMCs Empanelled

95% Match4K
ERP & Finance Integrations
N ORIGINAL

ERP & Finance Integrations

Automated Financial Ledger

94% Match4K
Operations & Automation
N ORIGINAL

Operations & Automation

Enterprise AI Workflows

96% Match4K

Things I've shipped

CreditGuru
#01Fintech Platform

CreditGuru

Intelligent credit advisory and credit health diagnostics for Indian businesses.

Open
CIBIL Fetch Tool
#02Data Tool

CIBIL Fetch Tool

Automated bureau score retrieval and structured credit report parser.

Open
KodoNorth
#03Web App

KodoNorth

Enterprise expense and treasury operations management portal.

Open
API Runner
#04Developer Tool

API Runner

Execute chained API runs sequentially, map payloads, and inspect JSON responses.

Open
JSON Formatter
#05Developer Tool

JSON Formatter

Blazing fast client-side JSON parser, beautifier, validator, and schema auditor.

Open
Regex Tester
#06Developer Tool

Regex Tester

Real-time regular expression evaluation tool with capture-group breakdown.

Open
cURL Converter
#07Developer Tool

cURL Converter

Transform raw cURL network commands into idiomatic Python, JS fetch, and Node code.

Open
Base64 Tool
#08Utility

Base64 Tool

Client-side binary, ASCII, file, and base64 bidirectional encoder/decoder.

Open
URL Encoder
#09Utility

URL Encoder

RFC 3986 compliant URI parameter sanitizer and query encoder.

Open
Hash Generator
#10Security

Hash Generator

Instant SHA-256, SHA-512, MD5, and HMAC cryptographic checksum generator.

Open
Color Converter
#11Design Tool

Color Converter

HEX, RGB, HSL, and OKLCH color space translator and contrast auditor.

Open
Key & Certificate Matcher
#12Security

Key & Certificate Matcher

Verify public-private key pair integrity and modulus hash match for SSL certificates.

Open

The plot so far

Roles, chapters, receipts

In order, more or less
Kodo
SEASON 03

Kodo

Program Manager · Present

  • Launched the PPI Card program end-to-end, from concept to production.
  • Led BBPS integration from concept to production.
  • Delivered connected banking with major Indian banks — 20+ corporate clients live in 4 months.
View all 12 highlights
Kodo
SEASON 02

Kodo

Sales & Customer Success · Prior

  • Onboarded 500+ companies onto a co-branded credit card program.
  • Managed ₹25Cr+ in combined credit limits.
  • Ran cash-card programs across the full customer lifecycle.
View all 4 highlights
myHQ
SEASON 01

myHQ

Business Development & Operations · Prior

  • Onboarded corporate clients for coworking spaces.
  • Expanded the partner ecosystem across the network.
  • Automated the agreement generation workflow.
View all 5 highlights

Kind words, hard proof

What Leaders & Clients Say

“Hardik has a strong understanding of how cards, bank transfers, and operational banking flows work in the Indian fintech ecosystem, especially in environments involving multiple banking partners, compliance constraints, reconciliation, and operational dependencies. What I appreciated most was his ability to push complex cross-functional initiatives through and get things done without excessive coordination overhead. He brings strong ownership and execution focus, which makes him particularly effective in fast-moving fintech environments.”

Gaurav Thapa

Managed Haardik directly

Software Architect · Engineer · AI-friendly Human

“Hardik has been very prompt in servicing our requests — from onboarding to supporting on regular day to day activities. I would definitely recommend Hardik whenever someone is looking for corporate cards.”

Karan Bose

Was Haardik’s client

Founder, Hula Global · Managing Partner, Pepper Fund

“In my interaction with Hardik I found him to be super focused on customer satisfaction & delight. He goes over and above his call of duty to help in issue resolutions. I wish him the best and success in all his endeavours.”

Arun Gopalaswami

Was Haardik’s client

GTM & Product Strategist, Cyber Security

“Hardik is very responsive to customer questions and requests and exceptional in his follow up to resolve issues. I have enjoyed working with him and hope to continue doing so in the future.”

Colin Ardern

Was Haardik’s client

President & COO at Applied Bioplastics

“Hardik is helpful. He goes beyond the miles and helps as much as he can. His knowledge is relevant to the profile he is handling — one of a kind, soft spoken and a perfect relationship manager at Kodo.”

Tanvi Khemsra

Was Haardik’s client

Chartered Accountant

“Been a pleasure interacting with Hardik over the last few months as one of Kodo’s customers. Grateful for the prompt support that Hardik has always extended — not just during the pre-sales journey but even more so when it comes to managing customer success.”

Harshit Joshi

Was Haardik’s client

Venture Capital · Micro PE

“We meet many people every day, but only some leave a mark, and one of them is Hardik. His multitasking ability was unlike I’ve seen before and made an applause-worthy increase in our company’s sales. I am very impressed by his ability to handle any situation calmly and patiently, even with the toughest clients — a natural skill that helped us grab many valuable clients. He is one of the most curious people I have met and a fast learner.”

Shireen Malayya

Was senior to Haardik

Enterprise B2B & Key Account Growth · Ex Cleartrip, Flipkart, NDTV

“Hardik is a Jack of all trades. Whether it was core sales or customer retention or partner onboarding, he did it all, and that too flawlessly. He excels at negotiations, understanding customer requirements, and product automation. He was instrumental in integrating new tech products with our existing system. He has a never-give-up attitude and would be an asset to any organization he works with.”

Ankur Gupta

Worked with Haardik

Strategic Partnerships · Customer Success · B2B Sales

“I have had the opportunity to be part of Hardik’s journey at myHQ right from the moment he walked in for the interview and have seen him grow as a professional. He is a fast learner, takes ownership of whatever falls on his plate and believes in delivering with quality. His pleasant never-say-die attitude, calm demeanour while dealing with all stakeholders and a child-like eagerness to learn is what makes him special.”

Judhajit Bal

Was senior to Haardik

Founding Team @ myHQ

“Hardik has always been more of a friend to me than a coworker. He brings great amounts of positive energy with him and has been trusted with a lot of important, time-sensitive projects which he delivered on time with excellence. He has shown extreme discipline and enthusiasm towards his work since day one.”

Osama Nayyar

Was senior to Haardik

DPDPA Compliance & Data Privacy Automation

“Enthusiastic, self motivated and goal oriented! Hardik is truly one of the most self motivated and curious people I have met. He is always thinking of the company’s growth as a whole and not just his respective department. He is process oriented and always focused on the macro objective of the organization, thereby taking correct and informed decisions.”

Rukshita Singh

Was senior to Haardik

Founder’s Office at Loop · ex-Deloitte, myHQ

Under The Hood

The toolkit behind the scenes

FramerFigmaMetabaseAWSNew RelicElasticZoho CRMZoho BooksTallyMailmodoGoogle Apps ScriptCloudflareWordPressMicrosoft 365Google WorkspaceDLT PortalClaudeChatGPTGeminiv0CursorGitHubVercelPythonFlaskREST APIs

Off the clock

The other things
I optimize.

Work is one system. The rest of life gets an upgrade too.

Strength

Consistency, progression, performance.

Powerlifting

Train → Compete → Recover → Improve.

Running

Strength isn't the only metric. 5K runs included.

Yoga

Mobility. Recovery. Control.

Next up?

Let's build the
next thing.

I'm interested in difficult problems, interesting products and teams that care about shipping.