Vishal has three decades of multi-continent financial industry experience. He had a distinguished international banking career with Citigroup acting as a leading authority on credit risk data and technology. He previously served on the management team of e-Serve International Ltd. He is also an active participant in the Harvard Business Review Advisory Council and McKinsey Quarterly Global Surveys Executive Panel.

Vishal has a passion for leveraging AI and other cutting-edge technologies to improve lending and credit risk processes. He is a CFA charter holder and an alumnus of the National Institute of Industrial Engineering (NITIE). Vishal has successfully completed the ‘Leading with Data and Analytics’ program from Chicago Booth School of Business.

Gautam is a seasoned finance professional with 22+ years of experience primarily in the knowledge services industry. As a Global Delivery Manager, he has managed large offshore teams supporting global offices of bulge-bracket and mid-market banks. As the Head of Product Development at ScaleCred, Gautam is responsible for ideating and implementing new features to enhance the existing suite of products.

Gautam has also been a prolific writer of thought leadership and research-based content, authoring articles independently as well as on behalf of clients. Some of his independent work has been published in Medium. Gautam is a Chartered Accountant and an alumnus of St. Xavier’s College.

Mayank is a strategic advisor with 25+ years of industry experience with leading Wall Street banks, most recently as Managing Director and Global Head of Digital Channels for Citi. He is currently working as an independent consultant with leading research and advisory firms.

Mayank is an industry thought leader, having authored number of articles, including Invisible Bank – Era of Frictionless Connectivity and Future of Digital Connectivity both available at icg.citi.com. He has also delivered podcasts and has been quoted by publications such as The Banker, CIO Review, Pymnts.com and Finextra.

Dan is a successful author of two books on innovation. He teaches a business innovation course at Arizona State University. Dan has a track record of running highly successful financial institutions, one of which grew revenues by over $2 billion during his tenure. He also launched a successful mutual fund. Dan managed an angel investment fund called Successful Entrepreneur Investors. He speaks nationally and internationally on the topics of innovation. He has also been the author of a regular column in the Biz Times: Innovate or Die.

Dan has served as chairman of the Wisconsin Chapter of the global organization Young Presidents Organization. He was awarded a Juris Doctor Degree from the Boston University School of Law, a CLU degree from American University, and obtained Series 6 and 63 securities licenses.