Deep credit experience.

Leaders who can help create balanced choices for CROs.

Pankaj Kulshreshtha, CEO

Pankaj Kulshreshtha
CEO

Built & grew 6000+ Analytics unit as its CEO at Genpact; CRO for GE Money UK; Ph.D. in Decision Sciences

Pankaj Jain Partner and President ​20+ years of global entrepreneurial experience as business and commercial leader in analytics & IT at CRISIL, Genpact, Oracle

Pankaj Jain
President

20+ years of global entrepreneurial experience as business and commercial leader in analytics & IT at CRISIL, Genpact, Oracle

Eric Steinhoff

Eric Steinhoff
Client Impact

21 years of experience in credit risk analytics and lending strategies; Led risk functions at ScaleFactor, Capital One and Standard Bank 

Vinay Bhaskar

Vinay Bhaskar
AI / Risk Innovation

17 years of financial services with diverse exposure to Credit Risk Management, Modeling and Stress Testing functions; GE, HSBC

Joydip Gupta

Joydip Gupta
Business Leader - APAC

20+ years in Management consulting and P&L leadership roles in USA, Singapore and India; McKinsey, Dell, Ed-tech start up

Samantha Hubbard

Samantha Hubbard
Business Development

20+ years in Leadership, Business Development, Financial Services, Banking, and Public Speaking. Experian, Partners Federal Credit Union, State Farm®

Abhishek Sharma

Abhishek Sharma
Engineering

20+ years in engineering and product management. Techzaar, WealthEngine, Quintype, Goldman Sachs, IBM

Chandan Pal

Chandan Pal
Marketing

12 years of experience in design thinking, solutions, marketing, presales and UX working for Sify, TechM and Genpact. B.E, Computer Science and MBA from IIM Indore

Our

investors and advisors

Pramod Bhasin The founder of Genpact, pioneer of the BPM industry; seasoned financial services leader; active investor and mentor

Pramod Bhasin

The founder of Genpact, pioneer of the BPM industry; seasoned financial services leader; active investor and mentor

Rajesh Narasimhan

Rajesh Narasimhan

Director and CEO TVS Motor (Singapore) Pte. Limited and Board Member Sundaram Clayton Limited (TVS); helping clients succeed with their business transformation through digital, technology and analytics innovation

Ray Duggins Global CRO for GE Money, Standard Chartered; Three decades of leadership in banks across the world

Ray Duggins

Global CRO for GE Money, Standard Chartered; Three decades of leadership in banks across the world

Francisco D'Souza Executive vice chairman & ex-CEO of Cognizant. Taking over the reigns at Cognizant, he transformed it into a fortune 200 company with $16B in revenue

Francisco D'Souza

Executive vice chairman & ex-CEO of Cognizant. Taking over the reigns at Cognizant, he transformed it into a fortune 200 company with $16B in revenue

Bruce Dahlgren Global leader with experience spanning executive committee member of HP and CRO of an emerging technology company

Bruce Dahlgren

Global leader with experience spanning executive committee member of HP and CRO of an emerging technology company

Kevin Oden

Kevin Oden

Kevin is a risk stalwart, with over 30+ years of experience spanning across risk and compliance. Kevin was the Head of Operational Risk and Compliance of Wells Fargo

Our Mission: Increase credit availability.

Credit administration is handicapped by old credit underwriting technology. We are on a mission to change that. Listen to our CEO, Pankaj Kulshreshtha talk about this change. 

Credit instruments need to change. NOW!

Scienaptic AI

Prevailing credit decisioning instruments (data, credit algorithms and underwriting technology) are dated. Banks experience high credit loss rates while customers get poor experience. These are classic symptoms of blunt credit instruments. General hype about new data sources and AI for credit, we believe, is distracting the banks and wouldn’t solve the real issues in credit underwriting or decisioning.
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Financial institutions looking to expand their addressable market are engaging with the platform, which offers a smart suite of AI underwriting tools to better identify qualified prospects, flag high-risk prospects, and offer a more complete risk assessment. This approach allows financial institutions to attract prospects that were previously off the map and underwrite profitably for a previously underserved market.