Jonathan is co-founder and CEO of CreditMat, a Collections Technology platform. Every month in India 10s of Millions of EMI payments fail to be collected through bank debit requiring collection intervention. CreditMate’s mission is to bring Collections up to date with advanced technology,
processes and systems that improve India’s NPA and borrower experience.
He is an advisor to:
Reverie – a local language enabling technology business, India
GoAbra.com – a Crypto Currency based peer to peer borderless
money transfer service, USA
mPaani.com – a hyper local loyalty and CRM program provider for
mass market India
Digital Empowerment Foundation an India based NGO focused on
bringing empowerment through technology.
Prior to founding CreditMate he founded BillBachao.com a mobile tariff and
signal strength comparison business based on technology and complex algorithms. BillBachao was sold to one of India’s largest business groups in 2015.
He is a Mobile and Internet veteran, having spent over a decade leading Vodafone’s mobile Internet operations, proposition and strategy in developing markets including India, the Middle East, Africa and Eastern Europe.
Before Vodafone he was Commercial Director at Internet advertising startup Real Media (sold to WPP) and was Business Development Director for Reuters New Media.
He is originally British but has lived in Mumbai for the past 9 years.
Francesco Cardi currently serves as chief strategy officer at Onfido. He joined the company in 2015 as VP of product and operations and was instrumental in building the company's core identity verification capabilities and team. Prior to Onfido, Francesco has held a variety of leadership roles in developing and deploying global infrastructure, financial, data and telecommunication products. He started his career as a consultant with Bain & Company. Francesco holds a B.A. in Mathematics and Physics and a Master in Nuclear Engineering. He is fluent in English, Italian, Spanish, French and Portuguese.
Lizzie Chapman is the co-founder and CEO of ZestMoney, FinTech startup of 2017. ZestMoney is India's largest digital lending
platform that introduced the concept of 'cardless EMI' to make life more affordable for hundreds of millions of households in
Lizzie has been a leading figure in the fintech landscape of India since 2011 when she moved from UK to spearhead the India
operations for digital lender Wonga.com. In 2013, she joined Development Bank of Singapore to help launch `digibank’ – India's
first mobile-only app bank. Her passion for the potential of technology to disrupt the delivery of financial services prompted
Lizzie and her co-founders to start ZestMoney in 2015. She was voted FinTech Female Leader of the year, 2017.
A CFA Charterholder and BSc from Edinburgh University, Lizzie started her career at Goldman Sachs in equity research and asset
management. She then became an investor for The Wellcome Trust, one of the world’s largest endowments, focused on financial
services and Indian investments. She is an Investment Committee member of the early stage fund India Quotient and sits on the
board of IndiaMart - India's leading SME marketplace and classified site.
Shiv is the Co-Founder of DMI Group where he is the driving force behind the group’s vision and
DMI Finance, an NBFC which is the flagship of the group, is a leading player in consumer and SME
lending through digital channels. It is a B2B platform that partners with demand aggregators and
fintechs to provide fast and efficient credit access to the entire spectrum of Bureau-thick, Bureau-thin
and NTC. DMI aims to be the non-bank balance sheet and credit partner of choice for the rapidly
growing ecosystem. The company aims to form symbiotic partnerships with technology-enabled
players across the entire credit chain in order to provide the best customer experience.
A 25-year veteran of international financial markets, Shiv brings a wealth of experience in Global
Fixed-Income trading and analytics that complements and informs DMI’s activities. He spent the vast
majority of his Wall Street days at Salomon Brothers, a storied fixed-income powerhouse that was
eventually acquired by Citigroup Inc. Shiv became Co-Head of all securitized products trading in
North America in 2004 before leaving in 2008 to start DMI.
He graduated from Harvard University in 1995 with a Bachelor of Arts degree, Magna Cum Laude in
Applied Mathematics. Shiv is very passionate about technology and is an active angel investor in technology start-ups.
Charishma Chotalia leads Branch International’s India operations. Branch is a San Francisco based startup and has raised over $100 million from top tier venture firms such as Andreessen Horowitz, Trinity Ventures and Foundation Capital. The company uses the power of data science to reduce the cost of delivering financial services to consumers in emerging markets, and is active in India, Africa, and Latin America. Prior to joining Branch, Charishma led the South Asian expansion efforts for Viamo, a social enterprise. Charishma holds a BA in Psychology from Stanford University and a Masters in Public Health from Columbia University.
Professor of Finance Bhagwan Chowdhry began his teaching career at UCLA Anderson in 1988. Here he found “an opportunity to work with and learn from outstanding faculty colleagues and an ability to work with students on projects that will make a difference in the world.” During his tenure he has also been a visiting professor and lecturer at a variety of institutions, including the University of Chicago, University of Illinois at Chicago, the Hong Kong University of Science and Technology, and the Indian School of Business. He is a current visiting scholar at the Stellar Development Foundation.
His research interests are in international finance and corporate finance and strategy, topics on which he has published several papers in economic and finance journals. He has served on the editorial boards of a number of finance and economic journals, including Journal of Finance, Review of Financial Studies, American Economic Review and Journal of Political Economy, and has organized and taught executive education programs on financial derivatives, corporate risk management and valuation in Los Angeles, Singapore, Hong Kong, Mumbai and Hyderabad.
Microfinance, financial technology and impact investing are his recent teaching, research and applied interests. He has supervised several MBA student projects in microfinance and FinTech in the last several years and has taught undergraduate seminar classes and an MBA elective on the subjects. “One of my greatest joys comes from working with smart people who strive to make this world a better place, especially for people with limited resources and opportunities. I am constantly thinking about, doing research on and getting involved in projects that will make a difference in the world.”
That commitment may be best illustrated with his proposed Financial Access at Birth (FAB) initiative in which every child born in the world is given an initial deposit of $100 in an online bank account, guaranteeing that everyone in the world will have access to financial services in a few decades.
Professor Chowdhry is a frequent contributor to the Huffington Post and is the co-founder (with Professor Ivo Welch) and executive editor of a new publication, Finance & Accounting Memos (FAMe), that makes academic research more accessible for MBA and Ph.D. students, journalists, policy makers and other academics.
Amol Dethe, Editor, ETBFSI & ETCFO (dedicated news portals by The Economic Times). He has been a financial journalist with specialization in Finance and FinTech sectors. Over the last decade, he has worked for CNBC-TV18, Zee Business, DNA newspaper, and FinBizness. He has also been writing for international magazines, and interviewed more than 200 plus CXOs in the last 2 years, apart from moderating many roundtables and panel discussions.
As a co-founder, Director of Perfios, Govi is responsible for setting and executing the vision for the company and ensuring that Perfios becomes the most trusted name in the Personal Finance software space in India.
Govi has more than 32 years of experience in the IT industry in both US and India. Prior to co-founding Perfios Software, Govi was a co-founder, CTO and member of the Board at Aztecsoft, a pioneer in the Offshore Product Development space. Under Govi’s technical leadership, Aztecsoft grew to be a strong technology-oriented company, went public in the Indian markets with operations in India, US and Europe. Earlier in his career, Govi has worked extensively in the database technology area with Digital Equipment Corporation (DEC) and IBM. Govi has a MS in Computer Science from University of Massachusetts, Amherst and a BE in Electrical and Electronics from Indian Institute of Science, Bangalore. He is quite active in the database technology community and is part of various conferences organized in India and elsewhere.
Alexander Graubner-Mueller is the founder of Kreditech, one of world's leading digital lending platforms providing access to finance for underbanked consumers around the world.
After initially serving as chief technology officer, he led the company as CEO from December 2015 until April 2018. Besides developing Kreditech’s core lending and machine-learning based credit scoring technology, Graubner-Müller successfully guided the company from startup to scaleup and expanded the business model and product portfolio to mainstream consumer finance. Under his leadership, Kreditech has grown to more than 850,000 customers, 400 employees and 70 million euros in annual revenue, while having secured more than 250 million euros in funding from leading investors around the world. Via its direct subsidiaries, Kreditech operates consumer lending businesses in Spain, Poland, Russia and India.
Alexander holds a dual degree in Business and Economics from University of St. Gallen, Switzerland with specialization in financial engineering from Swiss Institute of Technology Zurich, Switzerland.
Prior to starting Kreditech, Alexander co-founded and exited the prediction-market plattform PredictX. Before this, he managed engineering and product development at Rocket Internet in Asia and also worked as a financial engineer with the research team at LGT Capital Management in Switzerland. Alexander is visionary for Digital Banking and a pioneer with regards to the application of machine learning and artificial intelligence in financial services.
Alexander is also an active early-stage investor and advisor with focus on supporting startups in artificial intelligence and fintech via his investment entity AGM Capital
Nitin works on technology in high growth B2B and B2C startup.and has expertise in :
-- Consumer behaviour prediction, competitive business and trend analytics through application of big data, machine learning and data mining technologies on data acquired through deep web, consumer surveys and online/offline data aggregators.
-- Cash flow based instant digital lending powered through -
---- Consumer credit score derived using IndiaStack, credit bureau, personal and business transactions, digital profiles (social media, smart phone) and location analytics.
---- Application of machine learning in fraud detection and operations automation (prioritization, documentation, payments and collections processing)
-- Cyber security, data transparency and compliance through amalgamation of traditional and cutting edge blockchain technologies.
-- Building and mentoring world class technology teams
A qualified Financial services professional with over 17+ yrs of expertise in business development, sales, credit underwriting & product in the entire gamut of financial services in retail and digital lending space having delivered long term improvements in business growth, profitability and revenue generation.
Have been instrumental in building digital business as a start up and successfully expanded the company's digital footprint from origination to fulfillment.
Anuj Kacker is the COO & Co-founder of MoneyTap - India’s first Credit Line app. MoneyTap is creating a new category in India and revolutionizing the consumer lending space. Anuj dons many hats at MoneyTap. He is a serial entrepreneur and has successfully exited his previous startup.
Prior to MoneyTap, Anuj was the co-founder of SkillWiz, a skill assessment platform, which later pivoted to Tapstart- a job discovery platform. The company aimed at working with individuals to help them make better career decisions in terms of skills and jobs. SkillWiz worked with college students, employees and also with a few Sector Skill Councils under the NSDC (National Skill Development Council). Their product (technology, content and assessment modules) was used across 400 cities in India, helping Sector Skill Councils assess trainees in real time.
Before his jump into the startup world, Anuj spent his early years in the advertising and creative industry, where he worked with top agencies such as Lowe and JWT. Anuj also spent five years in the telecom industry with Reliance Communications and Bharti Airtel. His last role before jumping into entrepreneurship was as the Head of Customer Acquisitions for all products for Bharti Airtel - Karnataka Circle (one of the largest telecom circles), doing about 1.5 Million new acquisitions a month across 1 Lakh retail touch points.
An alumnus of the prestigious ISB (Indian School of Business), Hyderabad, he was the president of the Marketing Club while on campus and received the ‘Young Leader Award’ for contribution to ISB and its community. He is a Mathematics graduate from St. Xavier’s, Mumbai.
Sayali has over 10 years of experience in management consulting, new product development, strategic advisory, M&A, growth strategy, business development, international business, marketing strategy, value chain integration, program management and organization transformation roles. Sayali specializes in business development and corporate growth strategy in the consumer goods, technology and healthcare space.
Her specialties include Growth Strategy, Business Development, Market Entry, M&A, New Product Development, Marketing, Post-Merger Integration, Innovation, Organization Transformation, Value Chain Integration,
Sahil Kini is the Founder and CEO of Setu, a Bangalore based startup that offers API infrastructure for financial services. Setu's mission is to accelerate economic growth by making formal finance accessible to all. Previously, he was a Principal at Aspada Investment Advisors, an India focused $100M early stage investment vehicle where he led investments in financial services, SME enablement, and technology for underserved markets.
Mr. Kini was one of the early team members of Aadhaar. He is also an active iSpirt volunteer working to evangelize the India Stack, and addressing issues around financial inclusion, macroeconomic policy, and data privacy. Sahil writes regularly on these topics in national and international publications, including a print column in the Mint newspaper titled the Bharat Rough Book. His prior experience includes stints at McKinsey & Company, Titan Industries, and Ezetap. Sahil holds a B. Tech from IIT Madras.
Nikhil is the Co-Founder & Chief Evangelist Setu - An API infrastructure company for financial services. Before this, Nikhil was a full time fellow at iSPIRT Foundation until July 2018. As the Head of Developer Ecosystem for IndiaStack, he worked with banks, startups, developers to help them build financial services using eKYC, eSign, UPI, BBPS, GSTN and other public digital platforms in India. He worked actively with NPCI to build the ecosystem for UPI & led the team which built BHIM. Previously, Nikhil worked at strategic roles at Tally, Intuit & Exotel forging partnerships across various segments. He was also the Co-Founder of Voyce, a B2B start-up acquired by Exotel in 2015. Nikhil has represented IndiaStack in over 150+ events across the world and also serves as an advisor on digital payments to the World Bank and BMGF.
Mr. Gupta is the Chief Product Officer for TransUnion CIBIL. He is responsible for Commercial, Consumer and Insurance Products and leads the Analytics and Solutions Consulting team. He manages the designing of analytical solutions including the CIBIL Consumer Score, CIBIL MSME Rank and other customized solutions like CreditVision for credit institutions that enable the credit industry to offer faster and easier access to finance to their customers.
Mr. Gupta brings over 17 years of rich experience in Product Management in Digital banking, Liabilities, Mortgages, Personal Loans, Credit Cards & Transaction Banking. Prior to June 2018, Mr. Gupta was with DBS Bank as Executive Director & Head of Product Management for the Consumer Bank where he successfully launched India’s first mobile only savings bank – digibank. He has worked in both in-country and regional roles with HSBC, American Express, Deutsche Bank and ICICI Bank. While at HSBC, his team launched the first NACH mandate in the country. He began his career in the banking industry with ICICI Bank.
Mr. Gupta is MBA in Marketing from Indian School of Business and B. Tech, Civil Engineering from IIT Delhi.
Kiran Kumar Kesavarapu is APAC Senior Director for Industry Strategy (Financial Services) at Salesforce. He has extensive experience addressing process ; data related business challenges
in the customer experience, finance and transaction processing areas in the financial services industry. Prior to joining the technology industry in 2002, he worked in banks in India, Middle
East and U.K - This gives him a grounded perspective of the issues on hand, lending themselves to pragmatic advisory services for th industry players. He brings his JAPAC experiences of solving challenges in platform business models, across industries that are currently in the eye of the disintermediation storm.
An alumnus of IIM Bangalore (2002) and BITS Pilani (1995), he is an avid traveler and enjoys driving in the country side, and listening to music from the 70s.
Harshvardhan Lunia, Co-Founder & CEO, Lendingkart Technologies Private Limited: Harshvardhan is a Chartered Accountant and has completed his Post Graduation from the prestigious Indian School of Business, Hyderabad. Mr. Lunia drives the primary aspect of business in the company: Designing innovative credit solutions and delivering them in the simplest and most efficient manner to MSMEs. He had about a decade of experience in corporate banking before he embarked on an entrepreneurial route in 2011. He started his career with large private sector and multinational banks in their small loan divisions. He has worked with top companies like ICICI Bank, Standard Chartered Bank and HDFC Bank.
Siddharth is the Co-Founder and COO at Indifi Technologies Private Limited. Indifi started in June 2015 and is creating a platform to enable access to debt financing for small businesses.
Prior to co-founding Indifi, Siddharth has worked for over 14 years with various renowned financial services organizations in Credit Underwriting and Risk Management functions.
Experience in underwriting across various products like Mortgages, Commercial Lending, Secured and Unsecured SME Financing, Small Ticket Housing Finance to informal segment and Microfinance.
Zach Marks is Director of New Markets and India GM at Tala, a mobile technology and data science company expanding access to fair, flexible financial services in emerging markets. Through its mobile app, Tala helps anyone with a smartphone build a financial identity using over 10,000 data points gathered from a customer’s device to create an instant credit score and deliver customized financial services.
Zach has worked across technology, international development, social innovation and management consulting. Prior to joining Tala, he was Co-Founder and COO of Oystir (acquired by DOC), an online marketplace that used data to match people with jobs based on their skills. As a consultant at McKinsey & Co., Zach advised public, private and social sector clients on a range of issues with a focus on international economic development, including an engagement designing South Sudan’s first national agriculture plan. Zach received a B.A. in Ethics Politics and Economics from Yale University. He is writing a book on chai wallahs, India’s roadside tea vendors.
Harshil Mathur is the CEO & Co-Founder at Razorpay, which he started in 2014 to simplify online payments in India. A graduate from IIT Roorkee, Harshil decided to become an entrepreneur to start Razorpay along with his college friend Shashank Kumar.
Harshil remains at the center of all product innovations at Razorpay; he has overseen the growth of Razorpay's customer base to 1,00,000 businesses in just 3 years. Harshil has featured in the list of 30 most promising young Indian talents under the age of 30 by Forbes, and the 35 Under 35 entrepreneurs by Entrepreneur magazine.
Cherag Mehta - Digital Marketing Consultant with 16+ years experience
Cherag helps business or brands drive growth by bringing traditional businesses to the digital world using cutting-edge, online technologies. He has limited access to consumer credit products such as credit cards, personal loan or any other form of credit from regular banking channels because of his inconsistent income as a consultant.
Gowri Is the Cofounder of CreditMantri.
CreditMantri simplifies credit decision making and facilitates financial growth for the Credit invisibles
in India. Close to 80% of India’s credit seeking population is underserved and typically end up getting
rejected for a loan. With a user base of over 15Mn consumers of which close to 80% are the
underserved, CreditMantri’s aim is to help this underserved, credit invisible consumer take charge of
their credit health, get access to better credit choice and thereby make better borrowing decisions.
Data and technology help in delivering this promise at scale. The platform starts off by profiling the
consumer, using data from consented traditional and alternate sources. The proprietary profiling
algorithm besides assessing every user’s credit worthiness, classifies them into 4 broad segments. The
credit assessment and segmentation in turn drives what products and services are offered to the
consumer on the platform. Since responsible credit and making consumers credit healthy is the larger
objective, only products and services best suited to meet this objective are made available to the
She has over 22+ years of experience in Digital Financial Services Banking spanning Payments, Product
Management and Marketing. Prior to CreditMantri, she was:
• Global Head of Digital Marketing at Standard Chartered Bank where she set up the Digital
Marketing function for the bank
• Director & Head of the Digital Business – Citibank India.
• Sify - one of India’s earliest internet start-ups. At Sify, she was part of the team that launched
State Bank of India’s internet banking platform.
• Gowri started her career as a management trainee at HSBC with stints in the Corporate and
Other positions held:
• Chairperson of the Reserve Bank of India’s Committee on Securing Card Transactions in India.
• Independent Director and Board member – BNP Sharekhan, CARE India
She is an alumnus of BITS, Pilani and IIM Kolkata.
Gowri is married to Surojit Mukherjee and has 2 children: Ishani -14 years and Dhruv 11 years.
Shivangi Nadkarni has over 23 years of experience in the domains of Information Risk and Data Privacy, E-Commerce & Networks. She has handled multiple roles over the years at Sify and Wipro before she co-founded Arrka a few years ago. Arrka specializes in
providing consulting, testing & awareness services in the Information Security & Data Privacy domains.
Shivangi has authored the first text book on Data Privacy in India for DSCI (a Nasscom body) – for their DCPP (DSCI Certified Privacy Professional) program. She is also a faculty on their advanced privacy program - DCPLA (DSCI Certified Privacy Lead Auditor). Additionally, she is co-chair of the IAPP (International Association of Privacy Professionals) Mumbai Chapter.
Shivangi has done her Post Graduation in Management from the Indian Institute of Management (IIM), Calcutta and her Graduation in Electrical & Electronics Engineering from the Birla Institute of Technology & Science (BITS), Pilani.She is also a CISA (Certified Information Systems Auditor), a CIPT (Certified Information Privacy Professional / IT) and a DCPP (DSCI Certified Privacy Professional). She is a regular speaker at various forums.
Malavika is a lawyer, working on emerging issues for policy and regulation at the intersection of technology, finance and inclusion. She heads the Future of Finance Initiative at Dvara Research, an independent research institution working on policy and regulation around financial inclusion and consumer protection. Given the rapid digitisation of financial services, her team’s work has consistently sought to highlight policy design and access considerations for digital finance especially for harder-to-reach communities and lower income households.
Malavika is also a non-resident scholar on Technology & Society at the Carnegie Endowment for International Peace, India and a member of the Asian Privacy Scholars Network. She is a 2018 fellow of the Chevening Financial Services fellowship at King’s College London, and a 2016 fellow of the On Purpose social enterprise leadership programme. She began her career at the global law firm Allen & Overy LLP, spending close to six years with the firm based in London primarily in their international debt capital markets practice. She has also worked with the Financial Markets Law Committee (established by the Bank of England) on issues of legal and policy uncertainty in wholesale markets, and with social impact investors, Acumen and Big Society Capital. She graduated with an MPhil in Public Policy from the University of Cambridge and completed a five-year undergraduate law degree at the National Academy of Legal Studies and Research (NALSAR), Hyderabad.
Mr. Srikanth has over twenty years of experience across industries.
Having earned his B.Sc. in Physics from St. Xavier’s, and PGDM from IIM Calcutta, Mr. Srikanth started life in FMCG sales before moving to financial services - setting up Amex’s cards and merchant business in India.
In 2007-2008, Mr. Srikanth was a part of the founding team at ‘ngpay’ – India’s earliest m-commerce start-up. Subsequently, Mr. Srikanth has worked with Nokia, Amex and Amazon, setting up mobile financial services, digital payments, and cloud computing businesses in the financial sector.
He enjoys high-energy entrepreneurial environments and using technology to solve difficult problems for customers.
Overall 17 years of experience in leading MNCs who all are Market Leaders in their sectors. Meenakshi is
a results driven business professional having managerial and leadership experience across Financial
Services in NBFCs, Retail Sector and e-commerce Sectors.
She has got the privilege of being a front runner in launching FS for organized retail in India as Walmart
India FS, e-Commerce in Snapdeal, distribution in Brightstar and for hospitality in present assignment
Specialties: Product Development (Market Research, develop, build & life cycle management),
Marketing, Portfolio Management including Activation, Usage and Retention experience, Project
Management, Analytics, Consumer Insights, Pricing, CRM, Marketing Services & Operations, Portfolio
P&L, Business Development.
She has been awarded with the top awards during her stints with GE, Walmart , Snapdeal etc..
Meenakshi is very passionate about Financial Services and is driving “Financial Inclusion” to the ground
level. She wants to see her dream of FS reaching the farthest/last possible strata of the assembly line became reality
Name: Chetan Raul
Place: Dombivli West, Mumbai
An accountant by profession, Chetan applied for a MoneyTap Credit Line to pay his daughter's college fees and get a home renovation done. What he likes the most about MoneyTap is that he could get approved quickly without hassles, and the money is available 24x7. He has recommended all his friends to get MoneyTap and keep it for unexpected expenses.
Ganesh Rengaswamy focuses on Quona’s investments in India and Southeast Asia. Before co-founding Quona, Ganesh led Accion Frontier Investments’ work in India. Ganesh is a seasoned entrepreneur and venture investor.
Prior to joining Accion Frontier Investments in 2014, Ganesh was a General Partner of Lok Capital, a venture growth fund that invests in social enterprises with innovative and technologically advanced services in financial inclusion, education and employability. Ganesh previously served as the Asia Director for Unitus Inc., a global organization that works to reduce poverty by finding commercially sustainable solutions in financial inclusion.
Prior to Unitus, he led the entry of Silicon Valley-based venture capital fund Greylock Partners into the Indian market and co-founded Travelguru.com, which was acquired by Travelocity. Early in his career, Ganesh worked for Infosys where he was responsible for customer acquisition and growth engagements for US-based Fortune 1000 clients.
Ganesh current and past investment and entrepreneurial advisory roles include Unitus Seed Fund, Village Capital, the Indian Angel Network, Accion Venture Lab, GSF Accelerator, IIM-Ahmedabad and ISB, and he has been featured on Bloomberg, CNBC, and The Economic Times.
Ganesh previously served on the boards of Hippocampus Learning Centres, Rural Shores and Shubham
Sashank Rishyasringa is the Co-Founder of Capital Float, a pioneer in the online lending market in India. Capital Float has built a platform that blends technology, decision science, and credit innovation to deliver a unique range of financing products to small businesses, and is the largest digital lender in India today. Prior to Capital Float, Sashank worked at McKinsey & Company, where he advised several large financial institutions, investment funds, and government agencies on strategy and risk.
Sashank studied economics and mathematics at Princeton before completing his M.B.A. at Stanford.
Gaurang has had a diverse experience in Financial Services from working at RBL Bank and Instakash as well as in venture capital investing in technology working at GIMV, Belgium. He also has experience in consulting working at EY and in leading research at ISB
He has graduated from St. Xavier’s College, Mumbai with B.A. Hons. In Economics and Statistics as well as in Mathematics from Sri Venkateswara University and has written research paper on credit risk models using alternative data sets.
Kunal is the Founder of CRED and FreeCharge. Post FreeCharge's acquisition by Snapdeal in 2015, Kunal served as an advisor to Y-Combinator, Sequoia Capital India, and Times of India. Kunal recently launched CRED – an initiative to celebrate and reward the most creditworthy people of India. He has been an investor in ventures such as GOJEK, Zilingo, Unacademy, Razorpay and many more along with holding the position of Chairman at the Internet and Mobile Association of India in 2016. Kunal is also a voracious reader and is fascinated by the human mind and behavioural economics.
Mr. Abhishek Sharma, Chief Digital Officer (CDO), L&T Finance leads the Group’s Strategy and the digital transformation initiative. He has been associated with the Group in the product development and sales functions in Rural Finance and Housing Finance.
Mr. Sharma has over 15 years of experience in corporate strategy, product development and sales leadership. Previously, he served as a Captain in the Indian Army for five years.
Mr. Sharma has a Post Graduate Diploma in Business Management from XLRI, Jamshedpur and holds a Bachelor’s Degree in Business Economics from the Delhi University. He loves reading and is a sports enthusiast.
Chief Digital Officer (CDO) leads the Group’s Strategy and the digital transformation initiative. He has been associated with the Group in the product development and sales functions in Rural Finance and Housing Finance.
Mr. Sharma has over 15 years of experience in corporate strategy, product development and sales leadership. Previously, he served as a Captain in the Indian Army for five years.
Mr. Sharma has a Post Graduate Diploma in Business Management from XLRI, Jamshedpur and holds a Bachelor’s Degree in Business Economics from the Delhi University. He loves reading and is a sports enthusiast.
Priya Sharma is the CFO and COO of ZestMoney, which is the largest and the fastest growing consumer
lending fintech company in India. Priya’s understanding of the fintech industry has played a crucial role in
shaping ZestMoney as the first completely automated consumer digital lending platform in the country.
Today, ZestMoney caters to more than 5 million registered consumers and Priya is at the helm of Finance
and Operations department.
Priya’s expertise in investments, acquisitions, strategy along with her years of industry experience pushed
her to start ZestMoney along with her co-founders in 2015.
Prior to her journey as an entrepreneur, Priya was with Wonga, responsible for looking at international
markets from a strategic perspective. She was also at Bank of America Merrill Lynch, where in her role, she
advised companies on mergers, acquisitions and strategic decisions. Earlier, Priya had served as
management and technology consultant for Deloitte and Sapient Corporation.
Priya Sharma holds an MBA from London Business School and B.Tech from the Indian Institute of
Technology – BHU. Priya has played a crucial role in developing the concept of ‘EMI without credit card’
and envisioning making life affordable to more than 300 million households in the country, who currently
have no access to credit cards or any other formal financing options because of insufficient credit history.
Priya often participates in discussions regarding policy making, market dynamics and has been
representing the fintech industry in global platforms.
Siddharth Singh - Operations Manager in Pune for Heads Up For Tails, a pet store
Siddharth has been with ZestMoney with 1.5 years now and has multiple active loans, including a personal loan he used to buy a Bajaj Dominar. His favorite aspect of ZestMoney is that our relationship with the customer is built purely on "trust".
Mr. Singh heads the Data Science and Analytics team at TransUnion CIBIL – India’s
pioneer and leading credit information company and a trusted partner in credit risk
management to the financial services sector.
Mr. Singh brings over a decade and a half of rich experience in machine learning,
econometric and statistical modelling and analytical skills. He has a diverse
experience of working for diverse businesses like consumer lending, commercial
lending, fund management and investment banking.
Mr. Singh holds a MBA in Finance from K.J. Somaiya Institute of Management
Studies and Research and a Bachelor of Engineering (BEng), Instrumentation &
Control from Bhavnagar University. He has a proven experience of more than a
decade of initiating new products, business lines with specialist expertise in
generating insights into customer behavior and business processes using statistical
He is well versed with predictive analytics, modelling techniques like Artificial
Intelligence, Machine Learning; Linear, Logistic & Panel Regressions; Time Series
Analysis; Derivatives Valuation and Consumer Wallet Analysis.
Sanjay Swamy is Managing Partner at Prime Venture Partners, the first institutional investor in Ezetap, Happay, KredX, Moneytap, NiYO, MyGate and many other well known Fintech Startups.
Sanjay himself was a Fintech entrepreneur as the founding CEO of mChek and was a volunteer on Aadhaar with the UIDAI during the first 2 years of the program, defining, prototyping and evangelising the core applications of Authentication, eKYC and the mobile strategy. Sanjay is an iSpirt fellow and a Charter Member of TiE and is enjoys meeting entrepreneurs trying to use technology for achieving disruptive distribution of financial services to consumers and businesses alike.
With the mission to simplify payments in India, Upasana co-founded MobiKwik in 2009. Her current focus is to bring a million retailers into the MobiKwik payments network. Upasana comes with a strong background in payments, and has worked as a senior product manager with PayPal in the Silicon Valley and prior to that, with HSBC in San Diego, US.
An engineering graduate from NIT Jalandhar, Upasana also holds a Masters degree in Management Science from Stanford University. She has over 14 years of experience in Payments & Financial Services.
V. Vaidyanathan is the first Managing Director and CEO of IDFC FIRST Bank, a bank founded by the merger of Capital First and IDFC Bank in December 2018.
Prior to this role, he founded Capital First Limited by first acquiring an equity stake in an existing NBFC, and then executing a Management Buyout (MBO) by securing an equity backing of Rs. 810 crores in 2012 from PE Warburg Pincus. The MBO included (a) buyout of majority and minority shareholders through Open Offer to public; (b) Fresh capital raise of Rs. 100 crores into the company; (c) Reconstitution of the Board of Directors (d) Change of business from wholesale to retail lending; (e) Creation of a new brand "Capital First".
As part of his entrepreneurial journey, he left ICICI Group in 2010 and acquired a stake in a small start-up NBFC. He then exited legacy businesses of Real
estate financing, Foreign Exchange, Broking, Investment management businesses and instead transformed the company into a large retail financing institution with operations in more than 225 locations across India. Between March 2010 to September 2018, he has grown the retail financing book from Rs. 94 crores ($14 million) to Rs. 29,625 crores ($4.06 billion), has grown the Equity Capital from Rs. 690 crores ($106 million) to Rs. 2,928 crores ($401.1 million) and reduced the Gross NPA and Net NPA from 5.36% & 3.78% to 1.94% & 1.00%. Under his leadership, Company's long term credit rating was upgraded four notches to AAA.
He joined ICICI Limited in early 2000 when it was a Domestic Financial Institution (DFI) and the retail businesses he built helped the transition of ICICI from a DFI to a Universal Bank.
During his career, he and his organization have received a large number of domestic and international awards including the prestigious, "Transformational Leader 2018" by CFI Awards UK,
"Most Inspirational Leveraged Management Buyout, India 2018" by CFI Awards, "Financial Services Company of the Year, 2018 - VC Circle", "Entrepreneur of the Year" Award at APEA 2017, CNBC Asia "Innovative company of the year" IBLA-2017, "Outstanding contribution to Financial Inclusion, India, 2017" from Capital Finance International, London, "Economic Times Most Promising Business Leaders of Asia" 2016, 'Outstanding Entrepreneur Award' in Asia Pacific Entrepreneurship Awards 2016, Greatest Corporate Leaders of India- 2014, Business Today - India's Most Valuable Companies 2016 & 2015, Economic Times 500 India's Future Ready companies 2016, Fortune India's Next 500 Companies 2016, Dun & Bradstreet India's Top 500 Companies & Corporates 2016 & 2015. During his prior stint, awards included "Best Retail bank in Asia 2001", "Excellence in Retail Banking Award" 2002, "Best Retail Bank in India 2003, 2004, and 2005" from the Asian Banker, "Most Innovative Bank" 2007, "Leaders under 40" from Business Today in 2009, and was nominated "Retail Banker of the Year" by EFMA Europe for 2008. He is an alumnus of Birla Institute of Technology and Harvard Business School and is a regular contributor on Financial and Banking matters in India and international forums.
He is a regular marathoner and has run 22 half-marathons and 8 full marathons.
Daniel is the Head of Portfolio Management at Trusting Social. Trusting Social is a fintech AI company that pioneers alternative credit scoring for emerging markets using telco data and other new data sources. By providing credit scores and other key risk indicators to 1 billion largely unbanked consumers as well as developing eKYC solutions for secure digital onboarding, Trusting Social aims to rapidly advance digital inclusion in SE Asia.
As part of Trusing Social’s recent initiative, Daniel is now building an AI first fintech platform providing consumer Lending as a Service to telcos, merchants and financial institutions in Indonesia.
He has an extensive international experience – prior to Indonesia he spent 5 years in India, 1.5 years in the UK and completed assignments in China, The Philippines, Russia, Colombia and Canada.
A Czech national, Daniel studied Management at Warwick Business School and holds MSc. in Decision Sciences from the London School of Economics.
Jamuna started and leads the Inclusive Markets and Impact Investment work at PwC India. She
has been working with large and small digital financial companies for the last few years and has
helped digital payments, lending and investment companies. She works in the area of Business
Her career has spanned leadership roles in Financial Services with
ANZ Grindlays, Citibank and George Soros’ Fund and in consulting
with PwC. She is passionate about using creative means to address
problems. She was instrumental in introducing the first
securitization product in the country in the nineties, while working at
ANZ Grindlays Bank. Another new area which she initiated and has
been spearheading is the ‘Inclusive Markets and Impact
Investment’ work in PwC India.
She has dedicated a year working with the National ID program,
‘Aadhaar’, to support integration with the country’s financial
system. She loves books and has set up mobile libraries for children
in two villages. She has travelled extensively and has lived in
Singapore, Uganda, USA and India.
Young Entrepreneur Mr Jigar availed a loan against POS transactions. With this loan he has now expanded to two stores in Mumbai
Young Entrepreneur Mr Tejas availed a loan against POS transactions. With this loan he has now expanded to two stores in Mumbai