AI Solution Consultant (Presales) · Product Manager

AI that
earns its
place.

I find where AI genuinely adds value, design it so people can trust it, and build the proof. 12 years across business analysis, presales and product, in healthcare payers and providers, insurance, retail and credit cards.

2019–2026: a career break, by choice.Read why →
Solution Consulting Product Management Agentic AI LLM · RAG Presales & RFPs Business Analysis Cross-Industry Solutions Machine Learning
Resume (PDF) ↓
FREENew · A 14-week programme I designed Learn to decide where AI earns its place. 88% of AI proofs of concept never reach wide deployment, and the model is rarely the reason. I designed this AI product management programme and made it free for anyone who wants to learn AI product development: whether to use AI, how to test it, what it costs and how to defend the launch. No coding required. Start learning free →
12+
Years Experience
5+
Industries Served
MITB
Analytics · SMU
SG
Based in Singapore
Portrait of Apoorva Joshi
Apoorva Joshi
AI Solution Consultant (Presales) · Product Manager
Work authorisation Singapore · Dependent Pass / Letter of Consent
India · Full Work Permit
I'm a solution consultant and product manager who has spent 12 years making complex systems understandable — to customers, executives and engineers alike.

My career spans the full arc of data work: from writing COBOL for insurance claims in Pune to building deep learning models at Singapore Management University. That breadth is intentional. I believe great solutions start with understanding the business first.

I've done that across four industries: healthcare payers and providers, insurance, retail and credit cards. At Target I wrote requirements for a retailer's finance function; at Syntel I delivered for American Express; at CitiusTech and Changi General Hospital I saw first-hand how the right dashboard could shift a clinical decision.

TIBCO brought it together. As a presales consultant I moved between telecom, insurance, healthcare and retail customers in the same role, translating each industry's problems into one platform's solutions, in board-room language. It taught me that the industries change, but the discipline of understanding a business before designing for it does not, and that is what I now bring to AI.

Each skill below links to the work that shows it.

Problem framing & discovery

Quaestio started from why students avoid AI feedback: fear that their draft is kept, or that AI words creep in. The product is designed around that fear, not a feature list.

Feedback Without Fear →
Specification

Five principles, more than 230 numbered and testable requirements, 28 acceptance criteria and a dated decision log for Quaestio, all before any code.

Building Quaestio →
Unit economics & pricing

Priced a Quaestio review one model call at a time, showed how model routing halves the cost, and built per-student licensing on the costed review.

What Does a Question Cost? →
Evaluation & quality

Golden-dataset evals for BeatKeeper, and citation-enforced output: a factual claim without a stored source cannot be approved.

BeatKeeper →
Responsible AI & guardrails

Guardrails enforced by structure rather than by prompt: no free-text channel in Quaestio, mandatory human checkpoints in BeatKeeper, nothing changes in Attic until the user approves.

Who Taught It What to Ask? →
Go-to-market & partnerships

Taking Quaestio to schools with a channel partner, as a school-authorised web app with per-student licensing and Singapore hosting at launch.

Quaestio →
Requirements-first delivery

Built MealPartner requirements-first and test by test, then compared it honestly with a build that followed the idea, in a two-part series.

Spontaneous vs Deliberate →
Teaching the discipline

Designed a 14-week AI product management programme: twelve graded work products, a viva at the end of every module and an executive-panel capstone.

Learn AI Product Management →
Tools & Tech
Python Claude API AI Agents RAG LLM Evaluation Machine Learning Deep Learning · Keras / TF FastAPI Node.js R SQL Tableau TIBCO Spotfire AWS Ollama IoT
Domain
Healthcare Payers & Providers Insurance Retail Credit Cards Claims Adjudication Clinical Quality Measures HL7 · CDA · EDI Regulatory Reporting Financial Analytics Cross-Industry Presales Solution Design & RFPs
Soft Skills
Stakeholder Management Requirements Workshops Executive Presentations Data Storytelling Product Demonstrations & Training Team Leadership & Mentoring Volunteer Leadership Teaching & Course Design Published Writing
Dec 2025 – Present
Product Owner · AI Products
Self-employed
Own three AI products end to end, from problem framing and requirements to architecture, guardrails, evaluation and go-to-market: Quaestio, a question-only AI feedback platform for student research coursework, now in development with a channel partner; BeatKeeper, a multi-agent content campaign system with golden-dataset evals; and MealPartner, a RAG meal assistant on WhatsApp for university students. Also designed a free 14-week AI Product Management programme. See the projects →
2019 – 2025
Career Break · Community Leadership
UWCSEA Parent Association · Independent projects
Led the Parent Association EdTech Group's research on AI and screen time with the college's Educational Technology Working Group, distilling 37 recommendations into eight priorities for school leadership. Built a check-in page for 1,000+ families and an algorithm that seated around 900 dinner guests, and built Attic, a guardrailed Gmail agent and my first AI product. Read why →
Oct 2017 – Dec 2018
Data Analyst (SMU Scholar)
Changi General Hospital · Healthcare provider
Data mining, CEO dashboards, healthcare registries, regulatory reporting for MOH, and analytics evangelism across the hospital.
Oct 2013 – Mar 2015
Presales Consultant · Cross-Industry
TIBCO Software · Telecom · Insurance · Healthcare · Retail
A cross-industry role covering telecom, insurance, healthcare and retail customers, bringing the domain knowledge from my earlier insurance, healthcare and retail delivery work into each customer conversation. Translated each industry's business problems into TIBCO integration and analytics solutions, led solution design and RFP responses, and used lead-lag analysis to direct sales effort.
Aug 2012 – Oct 2013
Healthcare Consultant & Business Analyst
CitiusTech · Healthcare payers & providers
Managed Healthcare BI product engagement; designed dashboards for regulatory compliance; data model for clinical data repository; Agile delivery.
May 2010 – May 2011
Project Manager
Syntel Inc. · Credit cards (American Express)
Delivered AMEX JAPA mainframe project at CMMi Level 5. Awarded AMEX Star Performer for on-time, on-budget delivery.
Oct 2006 – Dec 2008
Business Analyst
Target Corporation · Retail
IT project charters and requirements for finance department. FPA and WBS-based estimation; use cases, wireframes, and stakeholder liaison.
Aug 2002 – Oct 2006
Programmer Analyst
Infosys Technologies · Healthcare payers · Insurance
Led development projects for Aetna, Anthem BCBS and MetLife. Improved Aetna auto adjudication rate by ~30%.
  • Healthcare payers & providersInfosys (Aetna, Anthem BCBS) · CitiusTech · Changi General Hospital · TIBCO
  • InsuranceInfosys (MetLife) · TIBCO
  • RetailTarget Corporation · TIBCO
  • Credit cardsSyntel (American Express)

TIBCO spans three of the four, plus telecom: one presales role, four industries, each with its own business problems, buyers and language.

Master of IT in Business
Singapore Management University · 2017
Analytics · GPA 3.65
B.Eng — Electrical
Govt. College of Engineering, Pune · 2001
First Class with Distinction
◈
Rigour
Every model, every dashboard, every recommendation deserves careful validation. Gut feeling is a starting point, not an end point.
⌬
Clarity
The most sophisticated analysis is worthless if it can't be communicated. I obsess over making complex findings simple — not simplistic.
◉
Impact
I measure success by outcomes, not outputs. Whether it's a 30% improvement in adjudication rates or an on-time, on-budget delivery for American Express, results matter.
Let's Connect
Open to AI solution consulting, presales and product management roles — and to conversations about applied AI in healthcare, insurance, retail and financial services.

Research &
Projects

Recent agentic AI, RAG and responsible-AI product work, alongside academic, professional and community work spanning deep learning, NLP, IoT and cloud analytics.

Recent Work · 2025–2026
01 OCT 2026IN DEVELOPMENT · CHANNEL PARTNER
Responsible AI · EdTech · Product Management
Quaestio — Question-Only AI Feedback for Student Research

Students writing long independent research coursework need a critical reader, and the help they get depends on luck: which school, which supervisor, how much time that supervisor has. AI could level the field, but students are afraid to use it. They worry their draft will be kept or used to train a model, and that AI-written words will creep in and look like cheating.

Quaestio is a web app that schools authorise for their students. A student uploads a draft, checks a preview with their personal details already removed, and gets back questions in the margin, each tied to a passage of their own text. They can accept, reject or ask to understand a question, but there is no chat box and the system cannot write anything they could paste in. When the session ends, the draft is gone. Its tagline: Questions, never answers. I wrote the full product specification and am now developing Quaestio with a channel partner.

  • Specification first: five product principles, more than 230 numbered, testable requirements, 28 acceptance criteria and a dated decision log, completed before any code.
  • Guardrails enforced by structure: nine master guardrails no console can switch off. No free-text channel to the model, a fixed output schema, and every question checked by a rule validator and a second model before it is shown. Any failure withholds output.
  • Privacy by architecture: drafts are processed in memory in isolated workers and never stored or used for training. Identity is redacted before any model call, the student confirms what is sent, and schools see who, when and where, never what.
  • Model routing and unit economics: a frontier model for the main review and smaller models for readiness and safety checks, with per-student licensing designed around a costed review. Singapore hosting at launch.

Feedback Without Fear · Building Quaestio · What Does a Question Cost? · Who Taught It What to Ask?

Claude APIResponsible AIGuardrailsPII RedactionModel RoutingMulti-Tenant SaaSPrivacy by DesignRequirements EngineeringGo-to-Market
02 JUN 2026SYSTEM DESIGN
RAG · Conversational AI · Local-First LLM
MealPartner — WhatsApp RAG Meal Assistant

University students short on time and money often don't know what to cook with what they already have. Recipe apps are built for browsing, not quick decisions. A general-purpose chatbot can invent recipes that don't work with a student's limited equipment, such as a rice cooker, an air fryer and a blender.

MealPartner runs on WhatsApp, an app students already use. A short guided chat asks what they feel like eating and what they have on hand. It then suggests the single best-fitting idea from a curated recipe library, with prep time, a budget note and a link to a video recipe. If nothing fits, it says so honestly and logs the request so the library grows where demand is.

  • Small model, tightly limited: the local 4B LLM never writes recipe content or links. Replies are assembled in code from curated content and templates. The model only handles schema-constrained fallbacks such as intent detection and input normalisation, which limits both hallucination and prompt-injection risk.
  • Hybrid retrieval with confidence tiers: hard filters run in code, then a weighted score blends tag matches with embedding similarity. Strong matches are shown, partial matches come with a note on what differs, and weak matches are never shown.
  • Conversation state machine: intent is detected before onboarding, users can answer several questions in one message, and free text is matched in stages: exact, then fuzzy, then a constrained LLM.
  • Closed feedback loop and swap-ready design: unmet requests go into a ranked queue for the recipe curator, and silence counts as failure. The model and messaging layers are abstracted, so it can move to a hosted LLM or the official WhatsApp API as it grows from one user to 100+.
RAGNode.jsOllamaLocal LLMSQLite Vector SearchState MachineStructured OutputRequirements Engineering
03 JAN 2026WORKING PROTOTYPE
Multi-Agent AI · LLM Orchestration · Responsible AI
BeatKeeper — Multi-Agent Content Campaign System

Consultants, advisors and analysts win business through visible expertise. Staying visible means tracking industry and regulatory news every week and turning it into articles and posts, which takes hours they rarely have. Generic AI writing tools fill the gap with bland content that can misstate facts, a real risk in regulated fields such as financial services.

A team of specialised AI roles runs the weekly campaign. They watch the user's domain, suggest topics worth having a view on, and draft from the user's own opinion, not a generic one. The user picks the topic and states their view, the system writes a long-form article and adapts it into shorter formats, and every piece is fact-checked and compliance-checked before the user approves a publish-ready pack. The user stays the author, and the system never posts on their behalf.

  • Five-layer agent pipeline: Sense (regulatory and research watch), Decide (editor-in-chief), Produce (writer, repurposer, visual designer), Assure (fact and compliance check) and Package. One orchestrator is the only component that calls the roles.
  • Mandatory human checkpoints: the user approves the topic and their view up front, and the final output at the end. There is no auto-approve and no skip flag.
  • Citation-enforced output: every factual claim links to a stored source and excerpt. Uncited claims cannot be approved.
  • Built for audit: all model calls go through one logged client, prompts are versioned per role, and data contracts are typed. Quality is measured against golden-dataset evals. Hard rules (no auto-posting, no scraping of login-walled sites, robots.txt respected) are enforced by tests.
PythonClaude APIMulti-AgentFastAPIStreamlitPlaywrightLLM Evalspytest · mypyCompliance by Design
04 DEC 2025WORKING PROTOTYPE
Agentic AI · LLM Safety · Gmail API
Attic — Guardrailed Gmail Cleanup Agent

Inboxes fill with newsletters, promotions and notifications faster than people can sort them. Rule-based filters are tedious to set up and break easily. Handing an AI agent free access to your email is risky, because one wrong action could delete or bury something important.

Users describe in plain English how they want their inbox tidied. An AI agent reviews recent emails and proposes what to archive, label or keep, as a preview. Nothing changes in Gmail until the user approves. Firm safety rules (never delete, protect emails from real people, limit how many emails change at once) are enforced by the system whatever the AI suggests.

  • Defence in depth: the LLM returns structured proposals, which the server re-checks against fixed guardrails. Those guardrails cannot be removed or disabled, even through crafted API calls.
  • Hallucination-resistant references: the model sees a numbered catalogue of email metadata, never raw Gmail IDs, so a misquoted ID cannot misfire. Every rejected proposal is reported with a reason.
  • Conservative actions: the apply step only adds labels, and archive and delete stay preview-only. Failures are reported per email without stopping the batch.
  • Engineering practice: Google OAuth 2.0 sign-in, a configuration per user, and a partial-update REST API. Unit tests mock the Gmail and LLM calls, and static checks keep the front end and back end consistent.
PythonLLM AgentsStructured OutputGmail APIOAuth 2.0GuardrailsHuman-in-the-LoopUnit Testing
Earlier Work · 2002–2018
01
Deep Learning · Computer Vision
ImSense — Image Sequence Classification
Researched and built four deep learning methodologies to classify image sequences using normalised timestamp regression, CNN and CNN-LSTM. Built on Keras-TensorFlow in Python.
CNNLSTMKerasTensorFlowPython
02
NLP · Fintech
SentiPulse — Stock Price Prediction via NLP
Novel deep learning approach using NLP and LSTM to predict next-day stock price changes. News articles are sentiment-scored and regressed against price movement. Web app with Flask.
NLPLSTMNLTKScikit-LearnFlask
03
IoT · Healthcare
Smart Elderly Monitoring System
Live IoT solution deployed at St. Bernadette's assisted living facility. Motion and door-contact sensors on RaspberryPi via MQTT and Node-RED, with R Shiny visualisations and Slack alerts.
IoTRaspberryPiMQTTNode-REDR Shiny
04
Cloud · Streaming Analytics
Next-Big-Thing — Real-Time Click Analytics
AWS Kinesis / Firehose demonstration for real-time streaming analytics, visualising click-through rate for a live website. Showcases event-driven pipeline architecture on AWS.
AWS KinesisFirehoseStreamingCloud
05
Healthcare Analytics
Readmission Management Solution
Productised solution for real-life hospital readmission management at CitiusTech. Designed analytics framework, clinical quality measures and regulatory compliance dashboards for US healthcare payers.
Healthcare BIHL7LOINCTableau
06
Claims · Automation
Aetna Claims Adjudication Engine
Led development of claims adjudication system for Aetna at CMMi Level 5. Improved the auto-adjudication rate by approximately 30%, reducing manual processing overhead significantly.
COBOLDB2EDI 837Mainframe
07 COMMUNITY RESEARCH
EdTech · AI in Education · Policy Research
AI in Pedagogy — Balancing Integration & Screen Time
Led the EdTech Group's research for the UWCSEA Parent Association during a sabbatical from the corporate world, working alongside the College's Educational Technology Working Group: a cross-section of 26 parents, 22 teachers, 21 students and two board members. Instead of debating more or less technology, the work set a clear test: every tool must earn its place by adding learning value over the analogue alternative. It also reframed AI as a question of thinking, not access. Grounded in PISA findings on screen time and Singapore's Education Transformation 2030 framework, the research produced 37 recommendations, distilled into eight priorities for school leadership. These include metacognition and visible thinking in assessment, age-appropriate scaffolding and screen-time guardrails, and usage baselines where data was missing.
Read the write-up on Medium →
AI in EducationPedagogyPISA ResearchEdTech StrategySingapore ET2030Policy FrameworkUWCSEA
AI · PEDAGOGY
UWCSEA
Parent Association
EdTech Group

Thoughts &
Blogs

Posts on my own blog, from designing an AI feedback coach that students can trust, the product decisions behind it, what each review costs to run and why its teacher-approved knowledge base matters more than the model, to bringing software discipline to vibe coding and what two of my own builds taught me about it, and applied problem-solving in school volunteering to my career break, and articles on Medium on AI and technology policy, data storytelling, practical analysis and machine-learning practice, alongside earlier pieces on NLP research and embedding analytics in large organisations.

New · Part 4Series · 4 parts · Product management · AI · Education

Feedback Without Fear

Designing, specifying, pricing and teaching an AI feedback coach that students can trust: how Quaestio went from one student's closed laptop to a product schools can approve.

Part 1 · Start hereAI · Education · Product design · Oct 2026 · 6 min read
Feedback Without Fear: An AI Coach Students Can Trust

The students who would gain most from AI feedback on their independent research coursework are often the most afraid to use it: they worry their work will be kept, or that AI words will creep in and look like cheating. Why today's options fall short, and how I'm designing a coach rather than a co-author: it only asks questions, never keeps the draft, reads the whole piece and is approved by the school, with rules the system enforces rather than promises the model is asked to keep.

Start the series →
02 Building Quaestio: How I Specified an AI Product Schools Can Trust From five principles to more than 230 testable requirements: the technical and business decisions behind a question-only feedback tool, and seven lessons in AI product management. 9 min read 03 What Does a Question Cost? Pricing an AI Review, One Model Call at a Time Six simulated reviews priced call by call, with an interactive cost explorer: why student follow-ups, not the frontier model, set the bill, and how model routing halves it. 8 min read 04 Who Taught It What to Ask? Why Quaestio's Real Product Is Its Knowledge BaseNew Every competitor can rent the same model. Why a teacher-approved library of checks makes question-only feedback reliable, traceable and hard to copy, and improves without reading student work. 7 min read
Series · 2 parts · AI · Software engineering

Vibe Coding, Deliberately

Bringing software discipline to building with AI coding agents: the principles first, then the evidence from two of my own builds.

Part 1 · Start hereAI · Software engineering · Oct 2026 · 10 min read
Agile, Waterfall and the Vibe: Bringing SDLC Discipline to Vibe Coding

Vibe coding doesn't make the software development life cycle obsolete; it compresses it. What vibe coding is, why it spread so fast, and where it collides with waterfall and agile, from requirements that live only in a chat log to diffs nobody reads. The fix is a hybrid: waterfall discipline in the spec and plan, agile cadence in small test-first slices, and vibes kept inside the build loop. With a risk-tiered process and best practices drawn from my own builds, MealPartner, BeatKeeper and Attic.

Start the series →
02 Spontaneous vs Deliberate: Two Ways I Vibe Coded BeatKeeper built by following the idea, MealPartner built requirements-first and test by test: a stage-by-stage technical comparison, the honest pros and cons of each, and how I would combine them next time. 8 min read
I Used an Algorithm to Seat 900 People at a School Dinner. Here's What Happened
From my blog · School volunteering · Oct 2026
A school asked me to “look at a spreadsheet” and work out who sits where: 268 students, up to three nominated friends each, and every table exactly 9, 10 or 11 seats. How I cleaned the data, found the friendship groups with Union-Find, packed them into 90 tables in an afternoon, and the five lessons that apply to any real-world data problem.
Read the article →
7 min read
Seven Years, Well Spent: Why I Stepped Away, and What I Bring Back
From my blog · Personal · Oct 2026
The first post on this blog. Why I paused my career in 2019, what those years actually held, from leading volunteers and running school events to building my first tools, and why I'm returning because of them, not despite them.
Read the article →
5 min read
Storytelling with Data: Lessons from a Magical Broom
Data Storytelling · Communication · Oct 2026
The best training in data storytelling came not from a course but from a five-year-old's bedtime game of inventing magical objects: a familiar object, a hero, a twist and a lesson. The article shows why presentations that list facts fall flat, using Spotify Wrapped and a risk team whose second pitch, built around one delayed payment instead of 400 incidents, won approval at once. Data provides the credibility; the story provides the meaning.
4 min read
Why Spreadsheet Is Still My Favourite Data Analysis Tool
Data Analysis · Tools · AI · Oct 2026
The spreadsheet is the most underestimated analysis tool in the enterprise: not the most powerful, but the one that lets you think fastest. The article covers what dashboards can't do (inspecting calculations, running what-if scenarios, mixing data with judgement), how Power Query, the Data Model and Solver extend it, its honest weaknesses, and why AI makes it more useful, because a spreadsheet answer shows its working and is easier to check.
6 min read
Data Preprocessing Pitfalls: Where Good Models Go Wrong
Machine Learning · Data Quality · Oct 2026
Most machine-learning failures are not modelling failures but preprocessing failures that the model faithfully learned. The article walks through the hardest ones to spot, including data leakage from fitting scalers and imputers before splitting the data, mismatches between training and production pipelines, and filters that remove the very anomalies a fraud model needs, and argues for treating preprocessing as part of the model.
4 min read
Optimization vs Machine Learning: Same Math, Different Worries
Machine Learning · Optimization · Oct 2026
Machine learning is optimisation, yet the thing you minimise is not the thing you actually care about: training loss is only a stand-in for performance on unseen data. The article explains why that gap drives regularisation, early stopping and validation, and why practitioners' biggest worries sit outside the model, in data quality, broken pipelines and feedback loops, while the optimiser is the most reliable part of the system.
6 min read
SentiPulse — From News to Numbers
NLP · Deep Learning · Finance · DataDrivenInvestor · Oct 2018
Can news sentiment predict next-day stock price movement? This article documents the research behind SentiPulse, a system that scores financial news using NLP and VADER, then feeds those scores into an LSTM model trained on tech giants such as Apple, Google and Facebook. It explores the efficient market hypothesis, why traditional time-series models miss knee-jerk market reactions, and what a first-generation model can and cannot get right.
What Data Science Gurus Don't Tell You
Data Science · Healthcare Analytics · DataDrivenInvestor · Oct 2018
A candid pushback on the oversimplification of data science in popular tutorials and courses. The article argues that real data science starts with a messy, ill-defined business problem — not a clean dataset. Illustrated through a hospital hand-hygiene case study examining its link to hospital-acquired infections, the piece makes the case that problem framing, domain expertise, and stakeholder trust matter as much as algorithmic skill.
3 min read
How to Make the Elephant Sing
Enterprise Analytics · Change Management · DataDrivenInvestor
Getting large enterprises to genuinely embrace data-driven decision-making is rarely a technology problem — it's a cultural one. This piece uses the metaphor of coaxing an elephant to sing as a frame for the challenge of embedding analytics inside slow-moving, risk-averse organisations. It draws on first-hand experience across healthcare, insurance, and enterprise IT to examine what actually shifts behaviour: executive sponsorship, small visible wins, and designing for the sceptic rather than the convert.
5 min read
Published on
Medium · including DataDrivenInvestor