LENDINGKART Team

“I create, I learn, I grow, I am an entrepreneur”

Harshvardhan drives the primary aspect of business – designing innovative credit solutions and delivering them in the most simple and efficient manner to SMB’s. He started his career with large private sector and multinational banks in their small loan divisions. Early in his career he was intrigued by passion of small business owners who inspite of being credit worthy were not served by existing lenders. Credit decisions in banks take months. His vision is to implement Big data credit scoring with analytics and artificial intelligence. He is a Chartered Accountant and pursued his Post Graduation from ISB (Indian School of Business, Hyderabad). In his free time, he loves walking and exploring the world with his wife.

“Each data can be analysed at least in two domains minimum. Map the data to the domain you understand it best.”

Mukul brings to the table his expertise of detailed data analysis, be it complex financial statements or ‘seemingly simple’ bank statements. Mukul has an uncanny ability to identify patterns in unstructured data, identify relationships between two unrelated items – both at intuitive and technical level, which are of immense use in designing the Credit Scoring Model at LENDINGKART. He derives the skills from his prior experience of working as a Scientist at ISRO. After his B.E. in E&C, he pursued his MBA from IIM-Bangalore and had the experience of working with top management on Strategy, BD and Finance. As Director of Portfolio Management in a reputed firm from Bangkok, he managed the portfolio of properties in Bangkok and New Zealand. Mukul handles the function of designing the Decision System and the Operations at LENDINGKART. In his free time, Mukul racks his brain on technical analysis and astrology.

Vikram Gandhi brings over 37 years of experience and expertise in Finance & Accounts, Taxation, Costing, MIS and Auditing. He manages and oversees various aspects of Finance & Accounts at LendingKart including fund flow, banking operations, tax assessments, audits, MIS and much more to ensure smooth and efficient operation of the business. Prior to joining LendingKart, Vikram worked in the Silicon Valley in U.S. at ASA Computers in Mountain View, California, where he oversaw inventory management and credit analysis for the company. Prior to that, Vikram served as a Senior Executive of Finance & Commercial for thirteen years at Voltas Limited in Ahmedabad and Chennai, where he led several finance and commercial functions involving budget preparation, audit, taxation, accounting, closing of books and MIS. Prior to that, he also worked in Managerial Cadre for 3 years in Pure Beverages Ltd , Pepsico Plant at Naroda, Ahmedabad observing Accounts and commercial functions.

Piyush is an experienced finance professional with 12 years of experience in finance, accounts, treasury, taxation & fund raising. He has headed finance functions of healthcare chains , logistics co in past and was a trader at proprietary desk of Edelweiss Capital & Usha Group at start of his career. He loves doing fundamental & technical analysis on Indian Stocks.

I am a finance professional with nearly ten years experience including more than eight years of experience in the field of Credit Underwriting, Corporate Credit Ratings and Financial Analysis. At present, I am heading the Credit & Operations division of Lendingkart. Previously, I was a part of the Corporate Credit Rating Division of ICRA Limited (a subsidiary of Moody’s Investors Services) and I have also worked with IBM India Private Limited as an Application Programmer. Over the course of my career, I have developed my skills in financial modelling, fundamental analysis, industry analysis, risk management, credit risk analysis, due diligence and business valuations.

Rakshak currently handles the risk function at Lendingkart where he is responsible for overall risk management of the group NBFC. He has previously worked with a credit rating agency where he has worked on credit evaluation assignments of corporate entities from different industry segments including metals, pharmaceutical and real estate industry. After completing BE in Electrical Engineering, he briefly worked as a software engineer with Wipro prior to pursuing his MBA from NMIMS, Mumbai.

Ms. Kumudini Aggarwal has been the General Counsel & Company Secretary of Lendingkart since November, 2015. She has over a decade’s experience in corporate commercial legal, governance, risk management, compliance and corporate secretarial matters. Prior to joining Lendingkart, she was associated with PDS Legal, where she worked as Corporate Counsel. She has also been a part of various corporate legal and secretarial departments of large corporate houses, some of whom were publicly traded. She is a qualified Company Secretary and a graduate in law from the University of Delhi.

Dillip is having more than 18 years of total experience in sales, credit, risk & collection at different BFSI organisation at different geography in handling the finance and retail asset loan products. Target driven, Process oriented, multitasking and customer focused BFSI professional with 19 years of professional experience in sales, credit, risk & collection with foresight and long-term vision. Prior to Lendingkart, have worked as National Collection Manager at Axis Bank. The other organisations where worked are GE Capital, Tata Motor Finance, ICICI Bank, Allianz Bajaj LIC etcs.

Uday looks after revenue from large strategic partners as well as part of the retail channel. Uday has a rich experience across industries, having worked at Deloitte, Titan and Headstrong Consulting, having led large sales teams and closed multi-year deals. Prior to Lendingkart, he led the entire sales and business development globally for Tracxn, a 450-people SaaS company based in Bangalore. Uday studied Mathematics at St. Stephen’s College, Delhi and obtained a PGDM from IIM Lucknow.

Utsav leads the fund raising efforts at Lendingkart, primarily debt capital and manages the liability end of Lendingkart’s business. He is involved in formulating capital raise strategy, cultivating & fostering relationships with external stakeholders and managing complete process execution. Prior to joining Lendingkart, he was working as Vice President in Investment Banking division of Axis Capital in Mumbai. During his career of close to a decade, he has been part of structured debt and equity fundraising teams in Axis Capital and Enam Securities. He was one of the early members of Structured Finance team at Axis Capital wherein he worked on multiple innovative structured debt transactions and dealt with fixed income investors like mutual funds, NBFCs, banks and credit funds, both at the domestic as well as global level. He graduated from IIT (BHU) Varanasi and further received his MBA from IIM Bangalore.

An entrepreneur and veteran techie with more than 18 years of rich experience in leading technology innovation and execution for both startups and global technology giants. At Lendingkart Mukesh is responsible for driving technology strategy and execution. Prior to this, he has served in several strategic leadership positions in hot startups like Bitzer Mobile (acquired by Oracle), Sipera Systems (acquired by Avaya) and SirionLabs and in big technology giants like Amazon, Oracle and Texas Instruments. He holds B.Tech. in Computer Science from IIT(BHU), Varanasi and Executive General Management from IIM, Bangalore. He holds four US patents and 2 IEEE papers in the areas of scalability, security and cryptography.

Gaurav comes with rich experience of over 14 years across functions and geographies in Retail financial services industry. After successfully managing assignments in secured and unsecured lending product sales, resource optimization, credit appraisal and change management with HDFC and Citibank, Gaurav went for a mid-career Global MBA program in Strategy and Finance from AGSM – Sydney and NUS, Singapore. During his APAC journey, he exposed himself to strategy and management consulting projects in the field of education with a New South Wales government, Clinical research organisation – Novotech and Leading digital manufacturing platform – Carbon.

As a Vice President, Head – Sales & Strategy, Gaurav has meticulously worked towards introducing and profitably scaling up new business partnerships and products across the country.

Saket Anand is Chief Analytics Officer at Lendingkart and is responsible for growing Lendingkart’s book while keeping defaults and other costs – marketing, collections under control.

Saket is a seasoned analytics professional with over 15 years of rich experience spread across Securities Marketing, eCommerce, Real estate and consumer lending. Saket has B.Tech from IIT Bombay and MBA from ISB Hyderabad. In his previous experience, he has been responsible for scaling a real estate auction platform from $30Mn to $200Mn. He has a breadth of experience across finance, marketing and product domains.

Prior to joining LendingKart, Saket was Chief Digital Officer at Manappuram. He has honed his analytical skills working with companies like Fidelity and eBay.

Paroma is a seasoned professional with more than 15 years of rich experience in leading businesses across financial services and consumer internet industries. An MBA from IIM Lucknow, Paroma has successfully led businesses at marquee large-scale organisations like Flipkart, Bharti Airtel, and ICICI Bank among others. Prior to joining the Lendingkart Group, Paroma worked as the Chief Business Officer Via.com, where she led the global business of one of Asia’s biggest online travel companies with presence in India and 10 more countries in the Middle-East and South-East Asia.

Paroma has joined Lendingkart as Chief Business Officer, with a vision to consolidate & grow the existing lines of business for the company, as well as to expand its footprint across other geographies. Her objective is to also introduce new channels & products to enable a more financially-abled environment for the vast MSME community.

Bharat has joined Lendingkart Finance Limited as SVP-Operations Head.

Bharat will lead and manage overall operations at Lendingkart, which include driving teams responsible for entire customer loan application lifecycle to post disbursement customer servicing. He brings his extensive sales experience to help Lendingkart expand into different geographies by building our vernacular capabilities. He will drive operational improvements across teams while measuring progress against business goals. Having designed & run operations with data-oriented approach, Bharat will help build high performance teams for Lendingkart and build scalable business processes and infrastructure.

Before Joining Lendingkart Bharat was the National Manager, Business Loans at Bajaj Finance. At BFL, Bharat managed Business loan sales followed by managing credit and operations for the fintech division of Bajaj Finserv – Bajaj Finserv Direct Limited.  Bharat has an overall experience of 15 years across Consumer, Banking and Financial Services Industry. Prior to Bajaj, he has also worked with HSBC, NetAmbit Broking Ltd and Citigroup.

With 22+ years of solid cross-functional experience in banking & financial services, Nagarajan is a seasoned financial services professional with expertise in Risk Management across Retail Banking and SME segment (Business Banking). He has successfully led Risk Management in various capacities across multiple geographies and has overseen Operations for India, the US, South Asia and Southeast Asia. Nagarajan has solid experience of managing diverse groups and working with people from diverse cultural backgrounds.

At his last assignment with Standard Chartered Bank as the Regional Head of Retail Risk Operations for South Asia, he was responsible for overseeing Underwriting and Fraud Risk Management across all retail asset products. Nagarajan was also responsible for driving standardisation, automation and simplification related improvements for Risk Operations.

Prior to Standard Chartered, Nagarajan was the Country Risk Manager (Head of Risk & Collections) for Nissan Renault Financial Services India Private Limited a Captive sales finance NBFC, and prior to that as Vice President- Risk with GE Capital’s consumer financing.

Nagarajan aims to bring together the best from traditional risk management principles and practices and leverage Lendingkart’s technology platform to build a solid enterprise-level risk culture. Not only will this will help improve processes and controls, but also ensure Risk Management practices are an industry best.