I'm Head of Product at SILQFi, where I spend my days solving credit for SMEs. Before this I spent eight years at Google, building product at Google Pay and running strategy and operations for Ads, Marketing, and Cloud across Hyderabad, Singapore, London, and Bengaluru. Fintech, commercial cards, and SQL are where I'm most at home.
Work
Below are some of my recent projects. Please request for the complete walkthrough of the locked projects.
01
Database-Connected AI Chatbot
Built a chatbot in five stages, from a plain OpenAI call to a system that holds conversation memory, calls external tools and answers questions from a live database.
02
Podcast Search Engine and MCP Server
Built a semantic search engine over a large library of product and technology podcast transcripts, then wrapped it as an MCP server so an AI assistant could search the library, keep notes and run research briefs directly.
03
Personal AI Agent with Voice
Built an agent that searches and reads the web, remembers me between sessions, runs a job search from my resume, and answers the phone, with the chat and the voice line sharing one memory.
Thoughts & Ideas
Notes on SME credit, commercial cards, and what eight years of payments, ads, and analytics work taught me about building fintech products.
The PM Who Writes Their Own SQL
Eight Years at Google: What Actually Transferred
Why SME Credit Is Still Broken
Experience
From engineering and an IIM Indore PGDM into eight years at Google across ads, marketing, cloud, and payments, and now leading product at a fintech solving credit for SMEs.
I'd rather solve one hard problem properly, credit for SMEs, than ship ten easy ones.
Stack
The tools I use to shape fintech and credit roadmaps, answer my own data questions, and keep a small product team moving.
in short
Head of Product at SILQFi, solving credit for SMEs
Balaguru skipped presentations and built real AI products. Want to know how?
Balaguru Sakthivel was part of the June 2026 cohort at Curious PM, alongside 20 other talented participants.
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