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.

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.

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.

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.

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.

Chetan Sharma is Vice President of Digital Marketing at Lendingkart. He is a Passionate Data-driven digital marketer with more than 12 years of experience in building and managing brands across different industries in online space. Google picked him as part of Top 60 Digital marketers in India and he holds an MBA degree from Deakin University (Melbourne).

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.

Before Lendingkart, Mithun was the Chief Marketing & Revenue Officer at Myntra.com. He focused on driving growth of users and customers through tech-led personalization and innovative consumer segmentation and communication. Prior to that, Mithun has worked with eminent international organizations including PepsiCo, McKinsey & Company and Hindustan Unilever in roles which laid the foundation for effective, entrepreneurial and prudent management to deliver long-term success

Abhishek has over 19 years of experience in consulting and retail financial services. He has worked across multiple geographies including South East Asia, India, Australia, Africa and Middle East

Prior to joining Lendingkart, Abhishek was co-founder of Infinit, a Decision Sciences firm focused on providing Decision Management Solutions for Banks and Financial Services.

Abhishek has previously worked with McKinsey and Co. as Analytics Leader in the South East Asia region. He was also part of the startup journey of NettPositive (now Equifax Analytics India) and has also worked with Standard Chartered, Bharti AXA, HDFC Ltd. and Citigroup.

Abhishek is an MBA from SP Jain Institute of Management and Research (Mumbai) and Bachelor of Engineering (B.E.) from NIT Surathkal

With extensive experience across the Data to Decision journey, Abhishek aims to integrate data and analytics into the decision making DNA of Lendingkart.

An ISB, Hyderabad alumnus and Computer Science & Engineering graduate, Anmol began his career at IBM and spent six years in software design & development roles in India and Australia. He spent another year in Australia and Hong Kong as an Australian employee of CA Technologies in a Specialist role. Post completing his management education from Indian School of Business, Hyderabad, he worked with Housing.com as a Product Manager, before joining Paytm. He transformed Logistics Product suite and post Paytm Mall creation lead O2O product launch as Catalogue product head. After Paytm, Anmol lead India Product for Tala and established Bangalore as product, tech and design office, proved India as a viable business and successfully shipped consumer product.

Arjun heads Co-lending business for Lendingkart, and is responsible for forging long term alliances and setting up and scaling business operations with lending partners in order to fuel the next phase of growth for Lendingkart.

With over 13 years of work experience in the finance industry, Arjun is a seasoned professional with diverse experience in setting up and heading Fintech lending start-up, enterprise business development, Credit and Risk functions.

Before joining Lendingkart, Arjun was heading the Fintech arm of Droom Technologies, where he set up and successfully scaled the auto-lending business. Prior to that, Arjun has had extensive experience working with large financial institutions, including Citibank, Yes Bank, and GE Capital across retail, SME and structured finance units successfully managing multi-million dollar Credit portfolios. He holds an MBA from IIM Kozhikode and B Tech in Computer Engineering.

Mohit is a senior Finance Professional with 17 + years of experience in Corporate Finance, Business Planning, Fund Management, Investors Relations, Treasury management, Mergers, Deal structuring, Finalization of Accounts and Core Accounting across diverse industry verticals.

He has successfully lead the finance function across India ,South East Asia , Africa ,Mid East Asia & Europe. His last assignment before joining Lendingkart was with MediaGuru Consultants as Group CFO where he was managing Finance and Compliance for MediaGuru’s operations across geographies.

Mohit is a Chartered Accountant, Lawyer and Company Secretary along with an MBA in Finance. Prior to MediaGuru he has worked with Religare Macquarie , Fullerton Securities , Actis , Fortis Healthcare.

“Tarun is a seasoned GRC practitioner with 23+ years in managing diverse portfolios in Banking, NBFC, Insurance, Education and Telecom sectors. Having travelled extensively and worked with Senior management, he has developed expertise in operating with the three lines of defence. Before joining Lendingkart, Tarun was Head of Operational Risk Assurance –  South Asia with Standard Chartered Bank.

With his global outlook, Tarun has demonstrated strong risk management capabilities in Governance, Assurance, Compliance, Fraud prevention, Product & Project Management, process optimization & reengineering, Credit & Collections. Winner of different organisational and global awards, Tarun has been instrumental in driving exemplary initiatives and innovations in the BFSI space, resulting in 500% growth in threat identification and successful conclusion of imminent Risk & regulatory projects in SCB.

Tarun has worked with ING, Kotak Bank, Max New York life, Rediffusion DY&R, Telia, ICICI Bank, Kenwood, Ashok Leyland Finance and Bajaj.

In his new role as Head of Operational Risk in Lendingkart, he will be steering the Risk and Control management strategy, providing thought leadership and partnering with business to achieve their goal by advancing business opportunities in a compliant and risk conducive environment.”

Dr. Rahul Shukla holds Doctor of Science (D. Sc.) in Computer Science from Premier Swiss Federal Institute of Technology Lausanne (EPFL) and Bachelor of Technology Degree from reputed Indian institute IIT Kanpur.

During PhD, he has published numerous research papers in the reputed IEEE journals in the field of Digital Image Coding and Stereo Image Compression.
Post Doctorate, he has worked in premier HP Labs Bangalore in the area of Digital Video Broadcasting and built innovative algorithms and softwares.
He holds US Patents for his inventions at HP Labs.

He is passionate to solve real world problems using Web & Mobile Technologies by building intelligent workflow automation software.

As a Co-Founder & CTO of his first StartUp venture HealthSprint Networks (now Remedinet), he built Health Insurance Data Exchange Platform to connect Indian Health Care Providers and Payer in real-time so that Patient care becomes Cashless. This Platform has grown to become India’s Largest Health Insurance Claims Platform serving more than 110 Million Patients and 2000+ Large Hospitals.
For this platform, he received numerous Technology Innovation and Leadership awards.

As a CTO of startup named Scaleneworks, he built Hiring Automation Platform to create software and algorithms to match best jobs and candidates automatically for best hiring outcome.

As a Co-Founder & CTO of next startup named Elementora Digital, He built Self Learning Mobile App cum Platform “Ele”, which is Mobile data driven AI Money Saving Assistant to discover user’s money persona to make contextual recommendations to save money in day-to-day expenses such as travel, food order, movies and shopping.

Rahul is an Engineer by Education but Entrepreneur at Heart and always looking for high impact user problems which can be solved with mobile technology with 10x positive impact in user’s life.

Manish Bhatia – President of Technology, Analytics and Capabilities is a seasoned technologist with 20+ years of expertise in software development, incubating new businesses and developing business critical products. Manish Bhatia joined Lendingkart from Amazon where he was the Chief Technology Officer of AmazonPay. He also headed the World-Wide eCommerce Platform group in India in his previous assignment at Amazon, bringing multiple innovations to the fore. Before joining Amazon, Manish has also worked with two startups and for FedEx and JP Morgan Chase. Manish will be responsible for building a scalable technology stack for the company which supports operational agility, risk management, data and analytics, while driving strategic efficiency and improving overall customer acquisition and experience as well as business growth.