LENDINGKART Group has put together an all-star team with each one bringing excellent, complementary knowledge and experiences and coming together as one team to fulfil the mission of the company.
Co-Founder and CEO
“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.
Co-Founder and COO
“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.
Mukesh Kumar Singh
Chief Technology Officer
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.
Sr. VP - Product Management
Nihit Nirmal has over 10 years of rich experience in product management and has worked with some of the leading companies across sectors. He is currently Sr. VP, Product at Lendingkart Group. At Lendingkart, Nihit is responsible for the overall product strategy and is working towards building products for massive adoption. Apart from that, he is also responsible for Customer Growth, Process Automation and New Initiatives at LendingKart. Prior to joining Lendingkart Group, Nihit was the VP, Product Management at PayUmoney, the flagship product of PayU India where he was heading the product management & analytics for whole of PayUmoney.
Ahsan is a techie by heart and executive by profession. At Lendingkart he is taking care of all the customer facing products be it website, customer dashboard, android application and getting more and more customers onboard. Prior to this, he was responsible for developing Foodpanda’s vendor platform and consumer app. Before this, he was running his own organization WebShrub which was into developing big data analytics solutions for telecom operators.
Jitendra is a polyglot technocrat who loves solving business problems with technology. He looks at operational efficiency and platform security, stability and scalability aspects of Lendingkart product. He has around 18 years of experience in developing tech products. He has worked on large scale web and telecommunication platforms in early days of his career. Before Joining Lendingkart, he was CTO at SlideRule Labs Inc., where he was heading technology and India operations.
Chief Revenue Officer
Vishal is a senior management professional who specializes in consumer internet and finance industries with extensive work experience in USA, Asia and Middle East. At Lendingkart, Vishal handles the revenue lines, marketing and origination operations. Prior to Lendingkart, Vishal managed the marketplace business at Souq.com Dubai (Amazon portfolio) ,the largest ecommerce platform in middle east. Prior to Souq, he worked in Amazon’s international expansion team that launched Amazon.in and Junglee.com. In his last role at amazon he managed the Media vertical for Amazon.in seller marketplace. He holds MBA from Indian School of Business, Hyderabad.
VP - Revenue Operations & Service Excellence
Abhishek is responsible to oversee revenue operations and service excellence which includes driving long-term strategies, build high-end service capabilities to drive lead conversion. He brings close to14 years of diverse experience across e-commerce, Fintech, Financial services/Banking and International trade with proven leadership in business operations, P&L responsibility, vendor management and risk management. @LK, he has made notable contribution towards strengthening & executing strong performance management & execution to bring in operational synergies. Prior to joining Lendingkart, Abhishek has worked at Souq.com, Amazon.com, Citibank and Maersk group, where he has led and scaled large service and sales operations functions across MENA, USA, UK and Asia.
Himanshu Gupta is currently leading Data Science and Analytics team in Lendingkart. His primary focus is to use AI/ML techniques to understand the borrower and predict his behavior by leveraging traditional and non-traditional data sources. He has managed multi-million USD consulting assignments, spearheaded development of in-house advanced analytics products including supervised machine learning models, and mined data to solve complex business problems. He has sound knowledge of building analytics products in Financial Services, Manufacturing, Maritime and Automotive domains. He has previously worked for IBM, IHS-Markit and Mapper Lithography.
AVP - Finance & Accounts Dept.
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.
General Counsel & Company Secretary
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.
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.
Senior Director (Revenue)
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.
VP - Credit & Operations
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.
Vice President - Risk
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.
Vice President - Capital Markets
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.
Dillip Ranjan Rout
VP - Collection & Recovery
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.