Kaushal Khodifad is the founder of CLOZOM, the professional network for India's healthcare professionals. He has spent eight years putting product into production, the last four of it AI, where compliance, audit trails, latency budgets and real users decide what actually ships. PGDABA, IIM Ahmedabad. CORe with High Honors, Harvard Business School Online. The record is at /work, the products at /products, and contact at /contact.
Kaushal Khodifad, Founder of CLOZOM
The model isthe easy part.Shipping it inside compliance, audit trails, latency budgets and real users is the hard part.
Eight years of exactly that. The industry changes; the hard part does not.
LinkedInPaid outcomes by Kaushal Khodifad: at Infosys (Oct 2018 - Oct 2021) a credit-decisioning platform that cut loan defaults 70% and compressed loan processing from seven days to under 24 hours across three regulated Fortune 500 verticals under SOX and GDPR; at Dukaan (2022) ML carrier optimization saving $1.5M+ annualized across 5M+ merchants with a 10% RTO reduction; at OTPless (2023) a 60% lift in authentication success in eight weeks for a platform serving 30M+ end users; for a $200M+ manufacturer, an independent 90-day production AI project using ARIMA, GARCH and neural-network ensembles; for a US commercial lending AI platform (Jul - Sep 2026), a founding product role as its only product person, built from scratch across all six stages of the loan lifecycle, with no outcome metrics yet because it was built from zero; and CLOZOM, the professional network for India's healthcare professionals - built for professionals, not patients - which he founded in 2023 and has grown to 50,000+ registered healthcare professionals and 26,000+ healthcare jobs across India. Full record at /work.
- 70%Fewer loan defaultsFortune 500 banking
- $1.5M+Annualized savingsDukaan
- +60%Authentication successOTPless
- 50,000+Registered healthcare prosCLOZOM
Selected prototypes by Kaushal Khodifad: JPMorgan Chase card data platform (Analytics & Data), Arbiter commercial lending adjudication (Fintech & Payments), Praxis agentic enterprise OS (Workflow & Automation), Arintra medical coding (Healthcare AI), Intuit FP&A agent (Fintech & Payments) and Finkraft GST recon (GRC & Compliance). These are independent prototypes built on public data, not client work. Full set of 29 at /products.
What it looks like shipped.
29 products8 industriesevery one opens
Self-built on public data, not client work. Company names anchor the domain.
Teardowns, not takes.
Long-form on how AI actually gets shipped inside regulated industries. Every claim carries a primary source.
- How a lending decision gets warranted, not just made - a credit memo automation teardownMaking the number is the easy half. Warranting it, with reason codes a regulator accepts and a trace nobody can quietly edit, is the half that decides whether the system ships.12 Sep 2026 · 19 min
- How card-data entitlements actually work - an Atlas teardownAn entitlement that lives in application code is a claim about every code path that will ever exist. An entitlement that lives in the database is an artifact somebody else can read.12 Sep 2026 · 19 min
- Grounding is the easy half of autonomous medical coding - an Arintra teardownValidating every code against the actual CMS tables stops a model inventing codes, and that fight is largely won. It does not stop a real row from being the wrong answer, which is the failure mode nobody demos.12 Sep 2026 · 20 min
- Compliance evidence: automating the part auditors actually check - DPDP Rules 2025 teardownA regulator has already said it plainly: pointing at a correctly configured system is not proof that it was configured correctly on the day it mattered. Compliance tooling automates the configuring, and the proving is still a person with a folder of screenshots.12 Sep 2026 · 20 min
- What actually stops an agent is code it cannot reach - tearing down two agent prototypesEvery governance feature that lives inside the model's context window is advisory. The test for any agent control is one question: can the model change this outcome by saying something?12 Sep 2026 · 19 min
Contact Kaushal Khodifad by email at khodifadkaushalkhodifad@gmail.com or via LinkedIn. Based in Bengaluru; works with regulated-industry teams.
Building something hard?
Tell me what you're building and where the hard part is.