Nikhil Kardale · Mississauga, ON
First line of codeto production deployment.
I build AI/ML-native data products for regulated industries — where getting the architecture wrong is expensive and hard to undo. Product, architecture and delivery from one senior engineer, across 19 years.
One system, three levels.
Most teams hire for one of these and find they needed another. Click on the markings below — they are focus distances on a lens barrel, far to near.
What gets built, for whom, and why it is worth building. In a regulated market, that includes what you are allowed to build.
Where this shows up
Dwellists · InsureFlux
- Product definition and scoping
- Technical due diligence
- Build-vs-buy and AI feasibility
- Go-to-market and customer discovery
Selected work
All engagements2026–present
Fractional CTO · Real estate · Regulated
Earnest IQ, a platform re-imagining real estate transactions for sellers going to market without an agent — including a conversational interface to a process that has always been paperwork. From concept through architecture and first code, alongside product direction and team building.
2025–present
Founder & principal consultant · Insurance · Regulated
AI/ML insurance intelligence for P&C carriers, MGAs and TPAs — automation and decision support across claims, underwriting, risk assessment and workflow. Product architecture, customer discovery and go-to-market in a market where legacy workflow tooling and modern ML have not met.
2025
Senior engineering consultant · Insurance · Regulated
Architected a greenfield AI/ML underwriting workbench and the end-to-end data pipeline beneath it, for a specialty insurance MGA.