Our Mission

Provide financial products that improve lives.

Our Values

Customers first

We exist because of our customers and obsess to provide them with the best experience. We consider the impact on customers' lives before we think about our own interests.

Trust

We work tirelessly to earn and keep customer trust by helping them save money or make money.

Integrity

We act with integrity at all times and do what’s right even when no one is watching.

Excellence

We demand excellence and have relentlessly high standards for ourselves and the products and services we deliver.

Raise the bar

We continuously push the envelope, make bold bets and redefine the paradigm.

Advisors

Steven Freiberg Vice Chair of SoFi (NASDAQ: SOFI), Former CEO of Citigroup’s Global Consumer Group

Steven Freiberg is the Vice Chair of SoFi (NASDAQ: SOFI), the largest US-based Fintech company, and the Chair of Rewards Network, a TowerBrook portfolio company. A long term veteran of the financial services sector, he has held multiple positions at Citigroup (NYSE:C) over a 30 year period including serving as the Co-Chairman and CEO of Citigroup’s Global Consumer Group, and most recently as the CEO of E*TRADE Financial Corporation (NASDAQ:ETFC) where he led the company back to profitability in the aftermath of the 2008 financial crisis. He is the founder of Grand Vista Partners, the Freiberg Family Investment Office, a Board member of MasterCard (NYSE:MA), Fair Square Financial, OANDA, Purchasing Power, and Regional Management (NYSE:RM), and a senior advisor to several companies including The Boston Consulting Group and Verisk Analytics (NASDAQ:VRSK). Freiberg holds a BS in Finance as well as an MBA in Finance from Hofstra University.

Mark Goines Former Senior VP and GM at Intuit

Mark Goines, former Senior VP and GM of the consumer group, in charge of all consumer business at Intuit, Inc. (including Quicken, Quicken.com, Quicken Insurance and Quicken Mortgage). A long-term veteran of the financial services sector, he has held senior management positions with Crocker National Bank and Charles Schwab & Company. He was also the head of strategy for Personal Capital, an online financial advisor and personal wealth management company. Mark currently also sits on the boards of BillFloat, Odeko, Inc, and Credit Interlink. Mark holds a Bachelor of Science and a Master of Business Administration from University of California, Berkeley.

Joel Epstein Former chairman and CEO of AIG Consumer Finance Group (NYSE: AIG)

Joel Epstein Former CEO of AIG Consumer Finance Group (NYSE: AIG)

Joel Epstein, formerly the chairman and CEO of AIG Consumer Finance Group (NYSE: AIG), is an independent director and senior advisor to a large number of banks and microfinance companies across Europe, Asia, and Latin America. Joel has over 35 years of banking experience including senior leadership roles at Chase Manhattan Bank (NYSE: JPM) and AIG Consumer Finance Group whose loss making business he transformed with revenues over $100 million at an ROE of 20%. Specialising in retail banking, branch banking and small business banking, Joel focuses on strategy, risk management, product management, marketing and sales, and customer segmentation.

Yu-kai Chou Gamification expert and creator of Octalysis framework

Yu-kai Chou is an Author and International Keynote Speaker on Gamification. He is the Original Creator of the gamification framework: Octalysis, and the Founder of The Octalysis Group. He has helped a variety of companies, from seed stage startups to Fortune 500 companies such as LEGO, Accenture, eBay, Huawei, Fidelity, AIG Japan, Verizon, HP, Ericsson, Cisco, Wells Fargo, and more. Yu-kai was one of the earliest pioneers in Gamification, starting his work in the industry in 2003. In 2015, Yu-kai was rated #1 among the “Gamification Gurus Power 100” by RISE, and was also awarded “Gamification Guru of the Year Award” for both 2014 and 2015 by the World Gamification Congress based in Europe. He has been a regular speaker/lecturer on gamification worldwide, including at organizations like Google, Stanford University, LEGO, BCG, TEDx, SxSW, Gamified India, Huawei, the Innovation Center in Denmark, Kingdom of Bahrain, and many more.

Leadership

We are a group of Stanford alumni with a strong background in banking and technology, passionate about creating a positive impact in the lives of people by helping them manage their finances better.

Siddhartha Shekhar Singh Co-founder- CEO

Siddhartha is passionate about making a positive impact in the lives of people by helping them manage their finances well. He is an experienced consumer banking professional who has worked in insurance, lending, and wealth management businesses. He has a Master’s degree from Stanford Graduate School of Business.

Alex Haro Co-founder- CTO

Alex lives the mission of using technology to impact people's lives. He cofounded and led Life360 as its CTO to a monthly user base of over 25 million, taking the company public in 2019. He studied Computer Science at Pomona College / Harvey Mudd.

Ram Subramaniam Co-founder

Ram is passionate about applying technology and analytics to improve service standards in the consumer financial services industry. He is a serial entrepreneur, who has founded and run successful technology start-ups. He has a Master’s degree from Stanford Graduate School of Business.

Varun Agarwal COO and Head of Business Development

Varun is passionate about creating an ecosystem in the financial services space in which all parties can benefit. He is an experienced consumer services professional who has worked in wealth management and insurance business. He has a Master’s degree from Alliance Business Academy.

Kunal Yadav Chief Analytics Officer

Kunal builds products blending behavioral science, data and technology to improve the daily life of users. He founded Gannak Analytics to leverage data science and solve business problems in healthcare, retail and finance. He previously worked in consulting and investment research with Andersen, EY and Fidelity Investments. He is a CA, CPA and has a Masters from Stanford Graduate School of Business.

Rohan Arora Business Head - Digital Lending

Rohan prides himself in crafting transformational journeys to deliver value and customer delight. He has previously worked in FMCG and Media and leveraged those experiences to found and run his own acclaimed food-tech venture. He holds a Computer Engineering Degree from the University of Rajasthan and an MBA from FMS Delhi.

Gaurav Srivastav Senior Vice President

Gaurav Srivastav is an industry veteran with rich experience in the retail lending sector. He has worked in companies like Citi financial, Reliance Home finance, Axis Bank , L&T Housing and Finance and Piramal Housing Finance in his previous assignments. He covers the large geographical regions of Delhi NCR, UP, MP, Uttaranchal and Chhattisgarh.

Akshay Sharad Mahore Senior Vice President

With 19 years of experience in sales and marketing, product management and establishing distribution networks, Akshay has financial expertise in all the big credit verticals like mortgages, business loans, home loans and LAP. He has worked with a variety of banks and NBFCs in the SME segment, including Shinhan Bank as VP for Retail Business operations, and Tata Capital & Bajaj Finance as Zonal Head. Akshay holds an MBA in Marketing from Pune University and a post graduate diploma in Foreign Trade from the Department of Economics at Pune University

Rinku Nitaibhai Bej Senior Vice President

With 19 years of sales and marketing experience across various banks and NBFCs in the retail and SME segment, Rinku has tremendous domain expertise in all the verticals under the Mortgage Business. A commerce graduate from Gujarat University, Rinku has deep knowledge of the Gujarat Mortgage market from his years associated with GE,Tata Capital, HSBC, ICICI and Hinduja Housing Finance.

Sachin Waikar Senior Vice President

A result-oriented retail asset finance professional with 20+ years of experience across all the product categories in secured and unsecured lending, Sachin is a BFSI domain expert and business leader who has led teams in challenging environments to over-deliver on objectives. With deep experience in channel management, distribution networks, data analytics, product management, risk management and portfolio management, Sachin is a passionate and process-driven professional instrumental in successfully conceptualizing and executing many firsts for his various organizations. He prides himself on being a strong people manager, having groomed teams to achieve stretched targets in complex circumstances.

Shailendra Sharma Senior Vice President

A versatile professional with over 19 years of experience in Strategic Planning, Business Development, Product Management and Sales & Marketing, Shailendra has deep expertise in strategic planning, business plan execution, account management and sales. He has an excellent track record of sourcing the highest quality of business by ensuring quality analyses of assets and liabilities, streamlining processes, identifying and mitigating risks and flawlessly executing operations. A keen traveler and nature explorer, he loves watching and playing all sorts of outdoor sports, especially cricket.

Parag Radke Senior Lead Engineer

Parag is passionate about Mathematics and considers himself a problem solver who uses technology to make things simpler. He has previously built and led the Engineering function at various SaaS and Mobility startups and played an instrumental role in scaling technology products to multi-million ARRs. He holds a bachelor’s degree in Computer Science from NIT Jamshedpur.

Narasimhan Vasudevan Marketing Head

With a PGDM from IIM Ahmedabad, Narasimhan has led marketing and strategy teams in finance startups and Nestle, where he handled the KitKat brand in India and the UK. His particular interest is the application of ideas from the cognitive sciences, like behavioral economics, game theory and analytic philosophy to maximize consumer well-being by unlocking large non-zero sum outcomes.