Artificial Intelligence is advancing faster than most companies realize—and many may already be falling behind. In this episode of The Pavan Perspective, Pavan Agarwal joins David Lykken and Jennifer Vallinayagam to discuss why Ai is far more than just chatbots or generative tools like ChatGPT. They dive into the concept of decision intelligence, the growing Ai tipping point, and why only a small percentage of organizations truly understand how to build and deploy real Ai systems. The conversation also explores how AngelAiTM is transforming lending, why many companies underestimate the complexity of Ai, and what the future holds for Ai-powered financial services. If you're interested in the future of Ai, fintech, and mortgage technology, this discussion offers powerful insights into the next wave of Ai disruption.

Speaker Information

Pavan Agarwal

CEO of Sun West and Creator of AngelAi

Pavan Agarwal is the Chief Executive Officer of Sun West, one of the largest independent, privately owned mortgage companies based in the U.S. He is also the founder of Celligence, which harnesses the best of Artificial Intelligence and Emphatic Technology to make mortgages simple and accessible to everyone. Pavan is a major proponent of Fair Lending and using technology to create homeownership opportunities for underserved markets. He loves to bring innovation into the mortgage industry and seamlessly integrate business units, products, and disparate goals into a single architecture to achieve success.

Pavan's exceptional achievements have garnered recognition from prestigious media outlets, including Fox News, Yahoo!, and Bloomberg. He's also been nominated for a national philanthropy award for his work with The Autism Community in Action (TACA).

Jennifer Vallinayagam

Chief Operating Officer at Sun West

Jennifer Vallinayagam, as the Chief Operating Officer (COO) of Sun West, has a remarkable background in software engineering and computer programming. She joined Sun West in 1999 and played a pivotal role in the development of the Mortgage Loan Origination System, now known as SunSoft®/SMILES. This software has been crucial to Sun West's origination and servicing operations and continues to be a cornerstone of their processes. Jennifer's dedication, hard work, and strategic mindset led to her appointment as COO.