Portrait of Tusshar Kalra
Tusshar Kalra

Lead Solution Architect — Agentic AI & Banking Platforms

In production since 2025: Nexus

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Twenty-six years in banking transformation.

Lead Solution Architect with 26 years in banking technology across Europe and Asia. My domain is regulated finance: KYC/AML, customer due diligence, corporate and private lending, credit origination and risk, digital onboarding, client lifecycle management. My platforms are PEGA, where I founded Swedbank's Centre of Excellence, and Appian, where I currently architect Länsförsäkringar Bank's lending transformation.

Every role, most recent first

Deliveredemployer work, on the CVBuilt and operatedmy own systems, runningProposedpresented, not built

  1. Apr 2023 – Present

    Lead Solution Architect - Lending

    Länsförsäkringar Bank, Stockholm

    Sole architect for the Lending domain, with direct reports across a vendor-resourced delivery group of 15-20 (feedback given directly; formal reviews via vendor), owning the end-to-end architecture of NOVA - the bank's new Credit Origination System on Appian, replacing a 1998-era legacy platform and sized for 200,000 annual transactions across seven lending products. Delivered MLR3 and MLR4 to production and lead remediation across performance, scalability and technical debt; planned the migration from on-premises Appian to Kubernetes (AKS/EKS). Chair the monthly architecture governance forum for the lending domain. Authored the NOVA Non-Functional Requirements specification aligned to ISO/IEC 25010 (GDPR, PCI-DSS, DORA, NIST CSF, EBA). Introduced GitHub Copilot and LLM-assisted test-case generation into the Azure DevOps CI/CD pipeline.

    • Appian BPM
    • NOVA credit origination
    • ISO/IEC 25010 NFRs
    • JWT/OAuth · SAML SSO
    • AKS/EKS
    • Azure DevOps CI/CD
    • GitHub Copilot
  2. Aug 2020 – Apr 2023

    Senior Solutions Architect - Anti-Financial Crime

    Swedbank, Stockholm

    Led a vendor-resourced team of 15 PEGA architects, developers and testers, with direct reports (feedback given directly; formal reviews via vendor), on Swedbank's Next Generation KYC programme on PEGA CLM/KYC. Delivered the corporate KYC solution to production in 2021 and led the private customer KYC solution through inception. Owned the integration spine to the customer master, core banking, transaction monitoring, sanctions/PEP/RCA screening and document archives; recognised internally as the PEGA architecture authority for the programme.

    • PEGA CLM/KYC
    • 4AMLD/5AMLD/6AMLD
    • FATCA · CRS
    • Sanctions/PEP/RCA screening
    • Transaction monitoring
  3. Aug 2018 – Aug 2020

    PEGA Centre of Excellence Founder & Product Owner

    Swedbank, Stockholm

    Founded the CoE from zero, led the team of 5-10 technically (people management by team managers), and established governance and architectural standards across delivery programmes. Designed and introduced the enterprise Situational Layer Cake architecture. Led the CoE as Product Owner (Certified SAFe POPM). Architected Swedbank's PEGA Cloud migration strategy.

    • PEGA
    • Centre of Excellence
    • Situational Layer Cake
    • PEGA Cloud
    • SAFe
  4. Mar 2016 – Aug 2018

    PEGA Delivery Lead

    Capgemini / Swedbank, Stockholm

    Delivery Lead for Swedbank's Future Lending Platform programme; delivered the platform to production for unsecured consumer loans, publicly reported as an 80%-plus reduction in end-to-end processing time with 65% instant response. Established and led Capgemini's offshore PEGA development centre in Kolkata, scaled to approximately 50 seats supporting the programme.

    • PEGA PRPC
    • Future Lending Platform
    • Unsecured consumer loans
    • Offshore delivery centre
  5. Jul 2013 – Mar 2016

    Delivery Manager

    Wipro Technologies, Bangalore

    End-to-end delivery of Lloyds TSB's Integrated Credit Risk System (UK) and ANZ Bank's customer/account service workflow platform (APAC). Directly managed a team of 30+ across delivery, QA and business analysis, including mentorship and performance reviews.

    • Integrated Credit Risk System
    • Service workflow
    • Team of 30+
  6. Sep 2012 – Apr 2013

    BPM Project Manager

    Virtusa Consulting Services, Hyderabad

    BNP Paribas PEMSA payment exceptions platform and Corner Banca case and workflow management solution.

    • PEGA PRPC
    • Payment exceptions
    • Case management
  7. Oct 2007 – Aug 2012

    IT Project Manager

    HSBC Software Development, Pune

    Managed project delivery teams with direct reports on PEGA-based workflow and case management for HSBC Global Banking & Markets trade finance and enterprise operational workflows.

    • PEGA
    • Trade finance
    • Case management
  8. Earlier experience, 2000 to 2007

    MphasiS (An HP Company), Accenture Services, Manipal Info COM, SrmRadiant (Lambent Tech training division)

AI in production architecture work, since 2023

The AI practice is not new. Since 2023 I have used AI in production architecture work inside a regulated bank: a self-authored tool that translates Swedish-language documents, meeting notes and Teams transcripts into English (built because policy did not permit routing regulated content through external consumer services), and GitHub Copilot and employer-provisioned Azure OpenAI across code and database review, solution and integration design, and CI/CD pipeline automation. In 2025 I extended that practice into independent, production-grade agentic AI.

Proposed

Agentic evidence-assembly layer for AML alert triage, Swedbank

Designed a research and evidence-assembly layer between transaction-monitoring detection and analyst disposition, assembling adverse media, sanctions, and case-history context without changing detection scores or filing decisions. Presented to programme governance.

Proposed

Sovereign-AI architecture proposal

Designed an on-premises GPU architecture for hosting open-weight models, such as Mistral, to keep regulated customer data inside the firewall rather than routing it through cloud-hosted model APIs. Documented and circulated at Länsförsäkringar Bank; discussed concept with Swedbank Data and AI team.

Open to senior roles.

Lead Solution Architect, Principal Architect, AI Transformation Lead, or Head of AI Engineering roles - leading agentic AI transformation for regulated enterprises across banking, fintech, insurance and product organisations, in English-working environments. Permanent or contract. Based in Stockholm; open to roles in Sweden, the Nordics, EU, UK and internationally, including relocation.

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