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.

Ravi is an entrepreneur with a strong focus on technology and data analytics. He is focussed on developing innovative solutions for financial institutions, including credit risk assessment models and automated financial platforms. His ventures have successfully collaborated with multiple Fortune 1000 companies, and has built efficiencies in the financial sector.

Before his entrepreneurial journey, Ravi built a successful career in private equity a USD 2 bn, where he gained extensive experience managing investments across industries such as manufacturing, pharmaceuticals, financial services, and industrials played a pivotal role in evaluating and managing investments in India.

He is an MBA in Finance from IIM Bangalore and did his Bachelors in Commerce from SRCC, Delhi University.

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.