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Résumé

Rocky V. Bawa

I am a finance and accounting student at the University of Miami who builds and ships real AI systems, not slide decks about them. I lead the AI-first modernization of a 25-plus-year family lending business that pioneered its market, founded an AI sales-solutions company, and am launching a household-payroll product for India. I care most about the things other people overlook, and I turn them into working businesses.

3.91
GPA, UM Herbert Business School
1530
SAT
5x
national debate qualifier
2
companies founded before 21
Email me↗

Experience

Executive, Strategy and Expansion
Desert Rock Capital (St. George, UT)
Apr 2024 to present
  • Lead the AI-first modernization of a 25-plus-year family lending business, a pioneer in Utah consumer lending
  • Replaced the traditional contact center with AI-driven systems across communication, marketing, lead management, CRM, and customer engagement
  • Built scalable systems that cut operating costs roughly 40 percent while running on leaner infrastructure
  • Increased lead acquisition and output roughly 30 percent, raising ROI
Founder and Owner
Onshore AI (St. George, UT)
Jul 2025 to present
  • Founded a turnkey company that builds, trains, and deploys AI-driven sales teams for businesses with B2C clients
  • Cut client sales payroll roughly 70 percent through automation while centralizing and scaling inbound and outbound communications
  • Target lending, SaaS, and e-commerce, and secured early pilot clients in finance and retail
Founder
ClockWork (tryclockwork.app)
2025, launching soon
  • Founded a subscription mobile app and web portal that runs payroll, attendance, and HR for household staff including cook, driver, maid, nanny, and guard
  • Built the product India-first around the tagline, Payroll, attendance and HR for your household staff
  • Currently pre-launch, preparing for market release
Investment Advisor and Researcher
Mountain Rock Capital (US)
Mar 2024 to present
  • Build in-depth financial models and market research across real estate, fintech, and private credit
  • Prepare investment memos and scenario analyses that support capital-deployment decisions
Founder and Project Leader
Husking Pollution Initiative (Delhi, India and Montreal, Canada)
Dec 2019 to Jul 2023
  • Founded a sustainability venture that turned agricultural rice-husk waste into school furniture
  • Created and donated rice-husk desks for 200-plus students at underserved schools
  • Raised funds, managed operations, and partnered with NGOs and schools
  • Recognized with a TEDx talk on environmental innovation

Education

University of Miami, Herbert Business School (Coral Gables, FL)
Expected 2028

B.S. Business Administration. Double major in Finance and Accounting, minor in Artificial Intelligence. GPA 3.91 of 4.0, SAT 1530. Foote Fellow, Dean's List and Provost List all semesters, President's Merit Scholarship. Coursework in Corporate Finance, Financial Accounting, Business Law, Managerial Accounting, and AI in Business Analytics.

Earlier schooling in Delhi, India and Montreal, Canada
Through 2023

Grew up across three countries, with roots in St. George, Utah. International upbringing shaped how I read markets and people.

Skills

AI automationAI sales agents and power-dialersAI-driven CRM and lead managementMarketing automation (Zapier, GoHighLevel)Financial modelingMicrosoft ExcelWebsite developmentWordPressStrategyOperationsLending and creditMarket researchBuilding and deploying AI teamsProduct building

Honors

Foote FellowDean's List (all semesters)Provost List (all semesters)President's Merit ScholarshipTEDx SpeakerDuke of Edinburgh Gold Award

Activities

Head BoyDebate, 5x National Championship QualifierRound Square InternationalPublic SpeakingEntrepreneurship

Interests

AISnowboardingFoodTravelChess