Personal Portfolio

Developer and founder in fintech, shipping software that holds up in production.

I'm building PayLac — software that helps Norwegian B2B firms chase down late invoices without burning the customer relationship.

Works in Norwegian and English · Based in Bergen

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Flagship Project

PayLac

FounderFullstackFintech

Live platform · Onboarding pilot customers

A calmer way for Norwegian B2B firms to collect overdue invoices — without pushing customers to a debt collector on day one. Built on Next.js, Supabase, and Vercel, with multi-tenant data isolation, a race-safe escalation engine covered by tests, and a login-free payer portal that opens from a single secure link.

paylac.no

PayLacDemo — fiktive

Faktura fra

Kystland Rådgivning AS

Fakturanr.: F-2451
Beløp: 84 500 kr
Forfallsdato: 20.12.1969
Status: 20670 d. forfalt

Vi ser at fakturaen er forfalt. Velg hvordan du vil gå videre — Kystland Rådgivning AS får beskjed umiddelbart, og videre påminnelser settes på vent mens dere finner en løsning.

Sikker lenke — ingen innlogging kreves. Kun for mottaker av denne fakturaen.

Interactive mock with fictional data. Try confirming a payment date or proposing an installment plan in the payer portal, then switch to the vendor dashboard to watch the signal come through.

Open demo fullscreen paylac.no

Other Work

Loyalty Wallet
Digital stamp-card loyalty product for barbershops — customers collect stamps in Apple & Google Wallet instead of paper punch cards, with a shop dashboard to track visits and redemptions.
Built the full wallet-pass flow and Supabase backend, and secured a pilot barbershop in Bergen.
SaaSWalletPilot
SkatteHjelpen
Mobile-first app that helps young people in Norway understand their taxes — frikort tracking, restskatt estimates, and 2-minute explainers in plain language.
Delivered full lean canvas, personas, and a working prototype for the MCB201 course.
FintechMobile
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ML Foundations (UiB)
Transformer architecture and backpropagation implemented from scratch in PyTorch as part of my AI degree.
Built transformer and object-detection models end-to-end in PyTorch, passing all INF265 course benchmarks.
Transformers ↗Object Detection ↗
UniversityMLPyTorch
Boliglån Innsikt
An exploration of how much of the Norwegian mortgage process can run automatically — interactive dashboard built in Next.js.
Mapped the end-to-end Norwegian mortgage process and identified which steps are automatable today vs. blocked by data quality.
Work SampleAnalyticsDashboard
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Workflow Automation
Designed automation pipelines that codified manual operational processes for a client under NDA.
Replaced recurring manual operational work with codified pipelines, freeing the team for higher-value tasks.
FreelanceAutomationNDA

Writing

Where AI should — and shouldn't — be used.

Short essays that hold modern AI up against older ideas about judgment, autonomy, and responsibility — and ask what actually changes when a human stays in the loop.

Contact

Have a system worth building? Let's talk.

Best fit for fullstack product work in fintech, AI, or internal tools — especially when the hard part is the reasoning, not the framework. Usually reply within a day.

ninad.bilind@gmail.com GitHub LinkedIn

Developer and founder in fintech, shipping software that holds up in production.

PayLac

Loyalty Wallet

SkatteHjelpen

ML Foundations (UiB)

Boliglån Innsikt

Workflow Automation

Where AI should — and shouldn't — be used.

Aristotle vs. Artificial Intelligence

Kant vs. Artificial Intelligence

"Human in the loop"

Have a system worth building? Let's talk.