← vaibhav.sh

Building

Build

14+ years of shipping — from a payments startup I co-founded to AI tools I build alone on weekends. What I'm working on now and what came before.

Fraud, payments and credit-risk ML: from building MiCredit and CoinTribe's underwriting engine to running fraud at Booking.com.

Operating

Booking.com Aug 2019 - Present (Global) Head of Supplier Fraud. An organisation of 80+ people across 3 continents. Fraud costs reduced while supply grew in strategic markets. I also run an internal AI consulting group at Booking.com, where product managers rotate through business units, find leaders' challenges and solve them with AI, and I mentor and teach on AI forums.
Shipped Transaction screening, commission avoidance detection, partner account takeover detection and trust scoring. An AI investigation agent and ML for partner verification are being introduced now.
Domains First-party and third-party fraud, chargebacks and disputes, stolen and synthetic identity, KYC/AML, transaction monitoring, fraud investigations and forensics, phishing and scam prevention, fraud typology library and taxonomy, NIST-based frameworks.

Live

Resume Lens live Four-reader AI resume analyser — algorithmic scoring, AI analysis, and bring-your-own-key mode. Built end-to-end in a single Claude Code session.
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FIREfly live A FIRE calculator built as a destination object, not a one-time answer. Your FIRE number, your trajectory, and a place to come back to every quarter.
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Agent OS live A multi-agent operating system for a single operator, MCP-connected and running daily. This public version has nine agents; my work version runs ten. Open source.
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Exploring

B2K in progress Birthday gift pooling for children's financial education. The thesis: the 80/20 split between spending and saving, started at birth and compounded for eighteen years.
ReTurn.shop in progress Returns-fraud risk scoring for retailers. A wedge into the returns management stack, starting with the fraud signal that most platforms measure too late.

Built

Ruplee acquired 2016 Co-Founder & CTO. In-restaurant payments app for fine-dining restaurants in India, ~$1M monthly volume, 300K+ registered users. Acquired by Paylo in 2016.
MiCredit & MiPay Xiaomi · May 2018 - Jun 2019 Lead PM, Financial Services. Built MiCredit (lending) and MiPay (payments) from scratch across Southeast Asia and India. By late 2019, MiCredit reached ~$3.9M in monthly loan disbursals and MiPay ~20M users, ~$85M in estimated monthly payments.
Credit Risk Platform CoinTribe · Sep 2016 - May 2018 Senior PM, Credit Risk Engine. Built the bank-statement analyzer and alternative-risk ML credit engine (SME loan decisions cut from 7 days to under 60 minutes), integrated with 8+ banks; the platform facilitated ~$5M in monthly disbursals, mostly through 4+ banks.