Pankaj is a hands-on professional and entrepreneur with 20+ years of experience in product development, planning, architecture and design, team building, and business leadership. He has led teams in the business-growth phase across enterprise software, advertising, B2B SaaS, education, personal finance, food-tech, and logistics. His specialities include database design, API development, product management, and back-end development in Ruby on Rails, Java, SQL, and AWS.