Shivputra Neelakandan (spxandroid) | Product Manager · Payments

Q: Who is Shivputra Neelakandan?

Shivputra Neelakandan, also known online as spxandroid, is a Product Manager based in Chennai, India, with 15+ years of experience in Payment Orchestration and AI in Fintech. He currently leads Payments at Star Health & Allied Insurance, and independently designs and builds products such as MyFinPal and Xirag as a solo, UX-focused vibe coder.

Q: What is spxandroid?

spxandroid is the personal brand and handle of Shivputra Neelakandan — used consistently across his portfolio (spxandroid.com), LinkedIn, Medium, and the independent products he builds solo, including MyFinPal and Xirag.

Q: What is MyFinPal?

MyFinPal is an India-first personal finance app built solo by Shivputra Neelakandan (spxandroid). It turns income, expenses, debts and goals into a single living Net Worth score, with on-device SMS import and 10 financial calculators.

Q: What is Xirag?

Xirag — "The Agentic ERP" — is a business operating system where organizational roles can be filled by a human, an AI agent, or both. It's being built solo by Shivputra Neelakandan (spxandroid).

Product Manager · Payments & AI

About Me

From Android Dev to Fintech PM

I'm Shivputra — a Product Manager with 15+ years in tech and fintech, currently leading Payments at Star Health & Allied Insurance, at the intersection of Payment Orchestration and AI/ML. Based in Chennai, open to global conversations.

Outside my day job, I design and ship my own products solo as a UX-focused vibe coder — AI-assisted development from idea to shipped app, without a team. MyFinPal turns income, expenses and debts into a single Net Worth score for India; Xirag is an Agentic ERP where CRM, messaging and calling can be run by a human, an AI agent, or both.

🎯
Payment Orchestration Expert

🤖
AI in Payments Enthusiast

🚀
Agile Product Leader

⚡
UX-Focused Vibe Coder

🧩

              Independent Products Shipped
              MyFinPal — India's net-worth-first finance app — and Xirag, the Agentic ERP for CRM, messaging & calling
            

15+

Years in Tech & Fintech

Organisations Served

Payment Gateways Built

∞

Transactions Orchestrated

Featured Projects

Featured Works

Independent products designed and built solo, end-to-end.

MyFinPal — Personal Finance App

Independent Project · spxandroid · 2026

An India-first personal finance app built solo, end-to-end — Flutter front-end, on-device SMS parsing, and a single computed Net Worth score in place of a dozen disconnected numbers.

Flutter FinTech Personal Finance Solo Build

View Project Site →

Xirag — The Agentic ERP

Independent Project · spxandroid · 2026

A business operating system where organizational roles — "seats" — can be filled by a human, an AI agent, or both. Building the full platform solo: CRM, dialer, contract lifecycle management, e-signature and messaging, unified under a tamper-evident audit trail.

TypeScript Agentic ERP Multi-tenant Solo Build

View Project Site →

Expertise

Skills & Stack

💳

Payments Domain

Payment Orchestration PG Routing UPI Netbanking Cards (D/C) BNPL EMI Auth & Capture Refund Automation NPCI Compliance RBI Regulations Payment Analytics

📋

Product Management

Product Strategy Roadmap Definition BRD / PRD Agile / Scrum Sprint Planning User Stories Release Management Stakeholder Mgmt Market Research Go-to-Market PLM

🛠️

Tools & Tech

Jira Confluence Figma SQL Firebase REST APIs App Tester TestFlight Excel / Sheets Android (Native) Adobe AEM

🤖

AI / ML for Payments

Intelligent PG Routing Fraud Detection Anomaly Detection SR Optimisation GenAI for Payments Agentic Flows Personalised Checkout Payment Analytics LLM Applications

🧩

Agentic Systems (Xirag)

Multi-Agent Architecture Model Context Protocol (MCP) Agent SDK Design CRM Systems Unified Messaging End-to-End Encryption VoIP / Dialer Systems Identity & Access Mgmt Cross-Platform Engineering (Vibe-Coded) Turborepo Monorepo TypeScript

💰

Consumer Fintech (MyFinPal)

Flutter (Vibe-Coded) On-Device AI (Gemini Nano) SMS Transaction Parsing Local-First Architecture AES Data Encryption Biometric Authentication Net Worth Modeling Personal Finance Calculators Budgeting Systems Debt & EMI Tracking Consumer Product Design

Quick Facts

Frequently Asked

Who is Shivputra Neelakandan?

Shivputra Neelakandan, also known online as spxandroid, is a Product Manager based in Chennai, India, with 15+ years of experience in Payment Orchestration and AI in Fintech. He currently leads Payments at Star Health & Allied Insurance, and independently designs and builds products such as MyFinPal and Xirag as a solo, UX-focused vibe coder.

What is spxandroid?

spxandroid is the personal brand and handle of Shivputra Neelakandan — used consistently across his portfolio (spxandroid.com), LinkedIn, Medium, and the independent products he builds solo, including MyFinPal and Xirag.

What is MyFinPal?

MyFinPal is an India-first personal finance app built solo by Shivputra Neelakandan (spxandroid). It turns income, expenses, debts and goals into a single living Net Worth score, with on-device SMS import and 10 financial calculators.

What is Xirag?

Xirag — "The Agentic ERP" — is a business operating system where organizational roles can be filled by a human, an AI agent, or both. It's being built solo by Shivputra Neelakandan (spxandroid).

Where is Shivputra Neelakandan based?

Chennai, Tamil Nadu, India — transitioning from Product Management into full-time founder mode, building MyFinPal and Xirag.

Get in Touch

Let's Connect

Transitioning into founder mode, building MyFinPal and Xirag full-time — always open to conversations around AI in Payments, Payment Orchestration, and Fintech products. Let's build something that moves money better.

✉️

Email Me spxandroid@gmail.com

💼

LinkedIn linkedin.com/in/spxandroid

✍️

Medium medium.com/@spxandroid

Transitioning to Founder — building Xirag