Sandeep has 11+ years of experience working in Capital One, Citi Bank, Encore Capital & Swiggy. He has expertise in Business Strategy, Credit acquisition & Collections, Data analytics & Alternate data modeling. In his last role, he was a Senior Manager – Product and Marketing analytics at Swiggy, where he worked with CTO of Swiggy and led multiple projects to optimize product flows and user discounting for Swiggy. He is passionate about Fintech sector in India & extending the reach to the deserving people. He is a B. Tech. graduate from IIT Delhi. 

Saurav has close to 9 years of experience in Credit risk management and data analytics working with American Express, Citi bank and PayU. He has held various roles in Credit domain working on Indian and international markets. In his last role, he was a Director – Credit Risk and Data analytics at PayU, where he led various Credit Underwriting and Machine Learning modeling projects helping PayU Credit business in India (Lazypay buy-now-pay-later product), Colombia and Poland.  He is passionate about the lending sector in India and building products leveraging data & AI/ML models. He is an MBA graduate from MDI Gurgaon.