Sales are up. Margins aren’t.
Examine pricing, product mix, purchasing, labor, and overhead to understand where earnings are being absorbed.
Jay JadavB.Arch., MBA
Business Strategist · Technology Executive · EntrepreneurThe world is changing.
Is your business ready for what’s next?
AI, new competitors, and shifting customer expectations are changing how businesses operate. Decide where to invest, what to improve, and how to measure the return.
I work with business owners and leaders to find where profit, time, and opportunity are being lost—and build a practical plan to improve performance. I bring business analysis, applied AI, and technology leadership together to make changes that fit your operations and help your team succeed.
Start with a complimentary introductory conversation about your business and what comes next.
20+ yearsProfessional experience
Banking & PaymentsInternational experience
AI & Business ChangePractical integration
Columbia, MissouriHome base
Start with the business problemUnderstand what’s working.
Understand what’s working.
Uncover what’s holding you back.
If these challenges sound familiar, a structured review can help establish what is happening and where to act.
Too much depends on you.
Look at recurring bottlenecks, unclear responsibilities, repeated work, and decisions that keep returning to the owner.
Know your next move—and what it will take.
Evaluate growth opportunities and new technology with a clear understanding of the costs, resources, and expected benefits.
Business analysis & management consulting
Measure. Monitor. Manage.
Understand the problem. Know what fixing it will take. Track whether the changes are working.
The review examines your financial performance, operating processes, competitive position, and technology together—so recommendations address the causes of problems and the financial case for change.
Establish the facts.
Examine financial performance, margins, cash flow, operating processes, and competitive position. Establish a baseline and quantify the gaps, causes, and opportunities.
Make progress visible.
Define the measures that matter. Review actual performance against the plan each month, track implementation costs, and distinguish projected benefits from realized results.
Turn insight into action.
Assign priorities, responsibilities, budgets, and milestones. Work with leadership to address obstacles, make decisions, and adjust the plan as conditions change.
What the business review deliversA financial case.
A financial case.
A practical roadmap.
- A clear diagnosis of performance gaps, their underlying causes, and where competitors may have an advantage.
- Prioritized recommendations with estimated financial impact, implementation costs, resource needs, and key assumptions.
- A near-term action plan and, where included in the scope, a three- to five-year roadmap with milestones and decision points.
- A performance scorecard and agreed review schedule to track implementation and measure results.
How the engagement works
Agree the scope.
Complete the intake, then meet with me for a free introductory conversation about your business, objectives, and fit. Before paid analysis begins, we agree the scope, fees, confidentiality, required information, deliverables, and schedule.
Diagnose & plan.
Review the agreed records and workflows, speak with the relevant people, and present the findings, financial model, and recommended path forward.
Implement & review.
Choose a standalone review and roadmap, or continue with separately scoped implementation support and monthly performance reviews. Agree how progress and results will be measured.
Start your business review.
Tell me about your immediate priorities and long-term goals. We begin with a free introductory meeting; detailed analysis is a paid engagement.
Applied AI · Technology integration · Business changeAI that fits your business.
AI that fits your business.
Change your people can work with.
I help identify where AI and automation can make a useful difference, then plan how to integrate them into your existing processes and systems. The goal is better performance with clear responsibilities, manageable disruption, and a team prepared to use the solution.
Start with the outcome.
Identify where AI or automation could reduce repeated work, improve decisions, or strengthen the customer experience. Assess feasibility, data readiness, costs, and expected benefit before choosing a solution.
Fit the solution to your operations.
Design the solution around existing workflows and systems, with clear data permissions, human review, and responsibilities. Pilot changes in a defined area to identify friction before a wider rollout.
Bring people with you.
Plan training, handoffs, and phased adoption. Track results against an agreed baseline, listen to the team, and adjust the process so the change supports day-to-day work and business goals.
Measure. Monitor. Manage. Set the goal, test the approach, and track the results.
Discuss AI & business change ↗Client evidence / U.S. consulting engagementsProblems identified.
Problems identified.
Solutions put to work.
Business owners describe the value of clearer financial visibility, practical recommendations, and follow-through.
“He was able to immediately identify many key areas where money was leaking out of our business.”
Inventory, labor management, accounting systems, and staff instruction.
“From this point forward I will be in control of my business instead of feeling as though I am constantly putting out fires.”
Internal accounting controls, flexible budgeting, and clearer management responsibilities.
“…we would realize the savings of approximately $150,000 a year…”
Client-estimated opportunity: approximately $150,000 in annual savings from recommended changes; projected, not verified realized savings.
“…developed a strategy and a structure to solve those problems.”
Root-cause analysis and corrective procedures developed with employees.
“…he has the ability to make them easily understood…”
Business analysis spanning finance, operations, marketing, and human resources.
“…Mr. Jadav stayed to implement the corrective actions that needed to be taken.”
Hands-on implementation of corrective actions after the initial business analysis.
Selected client feedback from earlier consulting work. Letters excerpted for length.
Discuss your own business challenge ↗A free initial meeting to establish priorities, scope, and fit.
A client’s words, a year later“You turned on
“You turned on
the light!”
“I see now what is working and what isn’t.”
In a handwritten note dated April 30, 2009, Kurt and Marci described how the evaluation helped them understand their business and move forward with greater clarity.
I received this unsolicited note in the mail a year after the engagement.
Kurt & Marci · Kurt’s Pharmacy, Twin Falls, Idaho
Read the handwritten note ↗
Entrepreneurship,
in practice.
Selected current ventures across food and business services.
Co-founder · January 2025–present
GKR Eats · Gori Ki Rasoi
Visit GKR Eats ↗An Indian food business in Columbia, Missouri, with hands-on responsibility for customers, operations, and growth.
Managing Partner · 2024–present
YANO — You Are Now Online
Visit YANO ↗A website-service venture in development, focused on a professional online presence and ongoing website management for small businesses.
Selected professional background
A foundation in leadership.
Experience across business analysis, payments, and technology informs how I diagnose problems, assess options, and support implementation.
Co-founder
Co-founded GKR Eats (Gori Ki Rasoi), an Indian food business in Columbia, Missouri, with hands-on responsibility for customers, operations, and growth.
Managing Partner
Developing a business-services venture focused on professional websites and ongoing website management for small businesses.
Co-Founder & Chief Technology Officer
Co-founded MiRealm and served as CTO, connecting business strategy with technology and product direction.
Management, Banking & IT
Advised banks on technology and regulatory considerations for prepaid-card programs.
Consulting Chief Operating Officer
Prepaid-card and payment solutions serving community banks and new revenue opportunities.
Business Analysis & Implementation
Worked with owners across retail, pharmacy, manufacturing, and service businesses on financial controls, budgeting, organizational structure, and operating processes.
Selected banking & payments experienceBanking & payments.
Banking & payments.
Across borders.
My experience includes prepaid-platform development and banking collaboration across Europe, India, and the United States.
Atlasmont Banka
MontenegroPrepaid-platform development.
Webteh
CroatiaPrepaid-platform development in the payments sector.
Wirecard
Germany / IndiaPrepaid-platform work and more than a year of India-focused solution development.
Citibank
IndiaCollaboration on the India project involving Wirecard.
Global Bank
New York, USABanking collaboration during my time at Universal Vision Group.
Education & international experienceA global perspective.
A global perspective.
A foundation in design.
Business education, collaborative design, and project delivery inform how I approach complex problems.
Master of Business Administration
Vancouver Island University, Canada ↗Bachelor of Architecture
CEPT University, India ↗Design across disciplines
Participated in CEPT’s 1998 International Collaborative Urban Design Studio, involving the University of Washington, University of Michigan, and Vastu Shilpa Foundation.
Reconstruction & rehabilitation
Coordinated earthquake rehabilitation work with the Indian Institute of Architects and later contributed to H.B. Infrastructure’s six-village reconstruction project.
Earlier research & academic background
Research: MBA research examined government economic and investment policies and their impact on real estate and related industries. Architecture research thesis: Architecture of Hybrid Spaces.
International housing: Accepted into the 1997 TU Delft–CEPT International Housing Module programme.
Environmental & urban planning: Contributed to the Sabarmati Riverfront environmental impact assessment, land-use planning, and transportation research through CEPT’s School of Planning in 2000.
Reconstruction context: H.B. Infrastructure’s reference describes the six-village project as jointly funded by UNDP and Tata Chemicals through CEE.
Service & recognition / Gujarat, 2001Service in a time
Service in a time
of urgent need.
Recognized by the French Civil Security medical detachment for contributions during the Gujarat earthquake relief mission.
Served as an interpreter alongside the French medical and logistics detachment during the 2001 Gujarat earthquake relief mission. Colonel Alain Bariller recognized this contribution in a formal commendation.
“He earned everyone’s admiration through his discipline, energy, and kindness.”
English translation of an excerpt from the French commendation, issued February 15, 2001.
View the original commendation ↗
Before we meet
A clear first step.
Tell me what needs attention. We’ll discuss your priorities and whether a consulting engagement makes sense.
Request a Business ReviewWhat happens in the complimentary meeting?
We discuss your business, immediate concerns, and goals. This introductory conversation establishes fit and the scope of a possible review.
When does paid work begin?
Once you approve a proposal setting out the scope, deliverables, fees, and schedule. Detailed diagnosis and recommendations are part of the paid engagement.
Do I need financial records now?
No. Start with a brief, non-sensitive overview. We agree confidentiality, access authorization, and a secure delivery method before requesting records.
A conversation worth havingWhat needs to change
What needs to change
in your business?
Start with the issue that matters most. Share your immediate priorities and longer-term goals, then we can arrange a free introductory meeting.