AI’s bottom-line impact, mapped

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Shantanu Gangal

CEO at Prodigal

May 1, 2026

I'm mostly a tables & numbers guy ...

... but occasionally an image leaves an impression that 7 figure cells don't 🗺️

- AI has created tangible bottom line impact for lenders & agencies

- we're hitting new highs multiple days in a row ...

- .. but still see many gaps (looking at you North Dakota 👀)!

- So we're hiring across all functions at Prodigal!

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More notes from the team

Shantanu Gangal

CEO at Prodigal

AI is front, center and loudly making the waves Money20/20 . key themes that came up to dozens of conversations 1. Choice of AI models. implications on cost, delivery & understanding 2. impact & ROI as AI budget 'renewals' begin 3.

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October 20, 2026

Mayank Agarwal

Head of Voice Agent Platform at Prodigal

Tesla made a car jump, flip mid air and land. That shouldn't be possible, and yet the internet just watched it happen. Here's the Consumer Finance version: A borrower calls, disputing a balance and hangs up having paid it.

Came home Friday evening to my 7y boy building a game on Gemini canvas. The first user and main gameplay centered around the younger 5y old!! A flurry of typed prompts and thrilling runs. Lots of giggles. Score 1 for build 🎯 ...

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October 12, 2026

Anshul Mittal

Head of Engineering at Prodigal

Engineers love romanticizing the idea of disappearing into a cave and cutting themselves off from the world to build something great.

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October 8, 2026

Mayank Agarwal

Head of Voice Agent Platform at Prodigal

I was trying to understand why we handle the TCN dialer integration and its webhook retries the way we do. The code, comments, runbook, and design doc all explained what we do. None of them explained why it is shaped that way.

Production grade AI agents are a realm apart. doubly so in high stakes consumer finance. come see what we have learnt at Prodigal ft Sumanyu, Saurabh Shintre & your truly

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September 2, 2026

Mayank Agarwal

Head of Voice Agent Platform at Prodigal

There will be two kinds of engineers in 2030: those who watch AI reshape their profession, and those who use it to reshape entire industries. The video is about the first kind. I refuse to be one.

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August 19, 2026

Sangram Raje

Co-Founder & CTO at Prodigal

A few days together in Coorg with the team. We have grown a lot, but the best parts still feel familiar. People reason from first principles, share ideas openly and care about getting the details right.

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August 4, 2026

Anshul Mittal

Head of Engineering at Prodigal

A few days together in Coorg with all 78 of us! It was a good reminder that behind every system, launch and engineering milestone is a team of people asking hard questions, helping one another and caring deeply about the work.

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July 29, 2026

Sumanyu Ghoshal

Voice Agents for Consumer Finance at Prodigal

Working with Vaibhav Gupta is a masterclass on deploying AI Agents. 1. Military precision on deadlines while not hampering the quality or effectiveness of the agent, supported by clear communication with customers 2.

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July 8, 2026

Anshul Mittal

Head of Engineering at Prodigal

I attended LangChain Interrupt last month in SF, and here are my top takeaways: 1. With LLM-assisted development lowering the bar to ship tooling and apps, defensibility for SaaS companies is a question worth thinking about.

99% of the way = 0% of the experience, Garry Tan articulates it vividly. The consumer notices that solving 99% of the problem is not solving it.

"The best way to predict the future is to invent it." — Alan Kay The receivables industry spent 2025 inventing AI agents. 2026 is about making them work at scale.

Aryton Senna said, "You cannot overtake 15 cars in sunny weather, but you can when it is raining.". Sean & the team at Williams, Rush & Associates LLC exemplify this embracing AI agents to transform all aspects of their business & jumping…

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May 18, 2026

Sumanyu Ghoshal

Voice Agents for Consumer Finance at Prodigal

It is truly painstaking to build a Forward Deployed Org - being customer oriented while making sure that the product succeeds on its own and that we're not just building custom software leads to friction, stress and a whole new definition…

Kristyn, Daniel & I are excited to going up next on stage at Receivables Management Association International ⏰

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February 11, 2026

Sangram Raje

Co-Founder & CTO at Prodigal

Had a great time at #ARMTech 2026! One thing I like about these events is that they're a good way to step out of build mode for a bit. Just talking to people who are using AI in their day-to-day operations and the impact they're seeing.

Great catching up over dinner with people we’ve been working closely with across the industry. Really enjoyed the time together with good conversations, laughs, and a nice way to extend the #ARMTech conversations into the evening. Thanks for making time.

Yuval Noah Harari is the ultimate storyteller in Sapiens. Not only does he visualize the story of our species well; but also shares how stories are the glue of civilization & progress. As our AI branches out and scales rapidly, we need to re-live the vision, chutzpah, and…

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January 25, 2026

Sangram Raje

Co-Founder & CTO at Prodigal

Thanks SeedToScale and Accel in India for the opportunity; it was great to reflect on how far Prodigal has come. I enjoyed sitting down and talking about our core belief that consumers deserved better treatment from financial institutions.

It was exactly on 1st December that Ganesh, Parasvil and I got placed on Indian Institute of Technology, Bombay into Boston Consulting Group (BCG). Vividly remember like it was yesterday. So while many specifics have changed, the optimism + energy of hiring at Placement Office…

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December 2, 2025

Sumanyu Ghoshal

Voice Agents for Consumer Finance at Prodigal

Excited to share that Prodigal is at the Indian Institute of Technology, Bombay to hire a select group of exceptional AI And ML engineers!

Running a high growth AI startup means ⚖️ balancing sales today with research for tomorrow 🏋 deferring current comfort for probabilistic risks and 🪄 trading tangible cash for intangible IP. Even then when I picked up Morgan Housel's latest, "The Art of Spending Money", little…

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November 6, 2025

Why 2026 could be the year to build in India

Sangram Raje

Co-Founder & CTO at Prodigal

For a long time, the path was to get into a U.S. university, graduate, secure H1B, work for a few years and maybe start a company. If that was your plan, it’s okay to feel uncertain right now. You prepared, you worked, you dreamed. You did nothing wrong. But here’s a thought…

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September 23, 2025

Sangram Raje

Co-Founder & CTO at Prodigal

The difficult part of building AI agents is testing them. A consumer may be in early delinquency and just need a quick reminder. Another may be weeks past due and demanding a settlement. Someone might be cooperative, another emotional, another hostile. Even something as simple…

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September 2, 2025

Thinking about moving back to India? Questions worth asking

Sangram Raje

Co-Founder & CTO at Prodigal

Moving back to India from the US was an important decision that I took in my career. I spoke about the decision in a recent post and many engineers from the US, Europe, Singapore reached out about shifting back to India. We discussed various points around career, finances…

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March 11, 2025

Lessons from a fireside chat with Perplexity's CEO

Sangram Raje

Co-Founder & CTO at Prodigal

"The highest dopamine rush wasn't from raising millions." Aravind, Perplexity's CEO, smiled as he shared this at our fireside chat. "It was reading the first 3,000 queries users made to our engine." That hit home. Because real impact matters more than headlines. Here's what else…

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December 30, 2024

Generate and Organize: structured output from LLMs

Sangram Raje

Co-Founder & CTO at Prodigal

Ever hit a wall trying to get LLMs to generate structured text? We’ve all been there. In our case we faced challenges in Named Entity Recognition (NER) and Relation Extraction (RE); getting these models to output structured information effectively has always been a tough nut to…

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August 26, 2024

The best leaders are great individual contributors

Sangram Raje

Co-Founder & CTO at Prodigal

“The best leaders are great individual contributors.” It's challenging to step out of your comfort zone and learn the skills needed to be a great leader. But if you're already a great individual contributor, you're closer than you think because you're disciplined, have strong…

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July 12, 2024

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