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.