Simpl

We did not reach anywhere, but the journey was great

Status updates

Once I started leading all of engineering, data science and risk at Simpl I started sharing roughly periodic updates. These update helped everyone at Simpl get better educated about what was happening at the company. Some of the updates got lost since they were on google apps and the google account got closed after Simpl went down. However, later updates survived and they are here.

Nov 21, 2024
Dec 19, 2024
Lookback at 2024
Themes for 2025
Jul 13, 2025
Jul 20, 2025
Jul 27, 2025
Aug 03, 2025
Aug 10, 2025
Aug 17, 2025
Aug 24, 2025
Aug 31, 2025
Sep 07, 2025
Sep 14, 2025
Sep 28, 2025

Other writeups

I am fond of writing articles to think better and get my thoughts across better. Since Simpl does not exist anymore, it is kosher to share these articles now - they span across product ideas, incremental improvements, design documents, analysis, tech talks, future projections and guidance to the team. I have removed some numbers for confidentiality.

General tech topics
How Programs run on Computers
Map Reduce - Technology that powers big data analysis
Three times numbers deceived me
Row vs Column oriented databases
A primer on encryption and hashing
Simpson's Paradox

Technical documentation related to Simpl
A note on anti-fraud filters
Transaction Systems
Real Time Approval
Why do we need OTP verification

Product proposals
Display Limits
Don't subject Select Txns to IC errors
Someday we should figure out micropayments
User experience in blocking workflows
Prepaid Simpl will lead us to glory
Purchase done webhook
Giving weightage to 30 activity in approval systems
Address ingestion - past and future

Working properly
Experimentation Methodology
Writng Effectice Documents
A framework for evaluating TPV-delinquency tradeoff for repeat users

Status Updates
CTUF is dead, long live Network Model!
Quick note on risk
Recent trends in NU delinquency
State of Risk - Sep 2024
Why is RTA taking forever to arrive

Analysis
AFS timeouts are deep in red and how headline numbers lie
"Correct" AWS cost for Simpl
March DPD30 Delinquency and outlook for coming months
Retention - Risk - IRR
How harmful is CTUF

Miscellaneous
Growth & risk are the same things
Disaster Recovery
Move soft block from D10 to D5
Mysterious problems in approvals api
Return of RTA
Some notes on credit limits
Summary information about FAD
Thinking about TPV, delinquency & retention
Tracking Pi3 delinquencies