Co-founder & Chief Executive Officer
Chartered Accountant and Bachelor of Commerce (Honors)
With over 30 years’ experience in SME banking, Ajit has held senior management positions across DBS Bank, Citibank, Fullerton Financial Holdings and Bank Danamon. His knowledge and expertise in the field of SME financing spans multi-geography exposure to banking verticals for coverage as well as risk. At Citibank, Ajit pioneered its SME banking concept – building a robust SME franchise from scratch that was replicated across Citibank globally. More recently prior to Validus, Ajit oversaw regional SME Banking at DBS Bank as MD, Regional Head of Strategy – Small and Medium Enterprises. A regular speaker on fintech and alternative lending topics, Ajit has shared his insights on prominent media including Channel NewsAsia and The Edge Singapore.
Co-founder & Executive Chairman
Graduated from Wharton (Class of ’98)
In his 22 years’ of entrepreneurial experience, Vikas has co-founded start-ups in areas of Telecom Software, Real Estate and Manufacturing. As the former Director & Joint Managing Director of Bengal NRI (BNRI), Vikas drove one of Eastern India’s largest township projects; with a targeted revenue of over S$600 Mil, over 9 million sq feet of luxury residences across 65 acres. Vikas is also a founding member of the Singapore Fintech Association’s Marketplace Lending Committee, where as Co-Chair he is actively involved in industry development and is a key advocate of industry best practices and standards. Vikas also serves on various Advisory Boards, including the Board of Directors for Centre for Fathering-Dads for Life, a not-for-profit organisation in Singapore.
Co-founder & Chief Operating Officer
Bachelor of Engineering and MBA in Finance
Bringing over 13 years of Private Equity and Corporate Finance experience across Southeast Asia, Nikhilesh’s expertise includes debt and equity financing across diverse sectors, as well as portfolio management and value creation at SME companies. He founded the M&A Advisory practice at Taipan Partners, focusing on consumer and tech sector deals across South East Asia. Prior to Validus, he led M&A deals for Masan Group and developed key experience in portfolio management and capital raising for various companies as an Investment Manager at Avigo Capital Partners. At Validus, Nikhilesh runs the overall business operations and has played a key role in driving successful fundraising rounds, as well as forged strategic partnerships with key industry partners such as Visa and Temasek Holdings’ Vertex Ventures. He is a regular speaker at Fintech and SME conferences, sharing insights in Alternative Lending, Small Business Financing and Peer to Peer Platforms
Chief Data Officer
With over 16 years of experience in analytics and risk management under her belt, Sonal previously held senior roles at Indifi and American Express with stints across Asia-Pacific, Europe and India. At American Express she worked across credit risk management and underwriting solutions for customers and merchants. She also led the development of the next-generation big data platforms for marketing and modelling needs of the company.
Chief Technology Officer
With over 25 years of experience in the financial services sector, Arvin has led deployments across Europe, the Middle East, Asia, Africa and the United States. With expertise in credit risk and lending, as well as banking, Arvind has held senior technology leadership roles at Citibank and Barclays. In both roles, he planned and delivered major change initiatives through the implementation of standardised banking solutions. In addition, he also managed programmes to strengthen the banks’ retail and small business segments.
Jayanta Kumar Roy
Risk & Compliance
Jayanta brings over 20 years of banking experience in the SME space in Asia, and has held key roles at various banks like BTPN (SMBC group), DBS, Bank Danamon and Citibank. Having garnered hands-on experience in setting up SME business and building risk infrastructure from inception, Jayanta’s expertise is in developing new products and optimising end-to-end credit processes.
Swaroop has over 20 years’ global banking experience in both emerging/ matured markets like India ,Vietnam and Singapore. His vast experience covers a spectrum of functions in consumer lending, ranging from Sales, Credit Underwriting, Risk Management and Credit Operations. He has managed both secured (Mortgages, Auto, Two Wheelers) and Unsecured (Personal Loans) products across India and Vietnam.
Shankar K Pillai
With over 16 years’ of experience in delivering transactional technology platforms, Shankar’s areas of expertise include Object-Oriented Technologies, Solutions Architecture, Cloud Platforms, Digital Marketing and IT Service Management. Shankar is passionate about technology, particularly on the latest IT trends impacting business and lifestyle.
With over 10 years’ experience in Singapore and Australia, X.Y. drives customer-centric strategies that create and deliver value, and has extensive experience in delivering digital projects and integrated marketing programmes across a range of businesses in a diverse range of industries.