Deep credit experience.

Leaders who can help create balanced choices for CROs.

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

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

Mark Dreux

Chief Growth & Strategy Officer

21 years of experience in credit analytics and risk management. Led client relationships and growth for DMS, Capital One 

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

Credit Risk Solutions

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

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

Chandan Pal

Chandan Pal

Data Storyteller

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

Vijaya Kumar Credit Risk Solutions 16+ years of experience in the retail credit risk, specializing in consumer finance; United Overseas Bank, Standard Chartered, HSBC

Vijaya Kumar

Credit Risk Solutions

16+ years of experience in the retail credit risk, specializing in consumer finance; United Overseas Bank, Standard Chartered, HSBC

Rakesh Agrawal

Product and Technology Leader

27 years across Banking, Telecom, Mobile technology and Fintech; tech and product leader JPMorgan Chase, Finastra, Bell Labs, Ericsson

Our

investors and advisors

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 CRO of Wells Fargo

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

CEO of TVS Digital, 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

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!

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 Ether, 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.

Scienaptic Systems Inc.

50 West 47th Street, 16th Floor, Ste. 1614, New York, NY, 10036

Ph: +1 212 244 4030

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