We’re building a better financial world

Validus is an online aggregator platform for SMEs to secure short term and medium term financing. Validus offers access to financing from individual and institutional Lenders. As a Peer‐to‐Business lending marketplace, Validus is using technology to minimise the cost of financial intermediation, and passing the benefits to both investors, and SMEs.

We have built Validus using established, sophisticated and swift platforms, to create a better financial experience. Better because it’s branchless. Better because it’s a transparent, two‐sided marketplace. And better because it’s not focused on institutions, but on people.

Meet the team

Ajit Raikar
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.

Connect with Ajit on LinkedIn

Vikas Nahata
Co-founder & Executive Chairman

Graduated from Wharton (Class of ’98)
In his 20 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.

Connect with Vikas on LinkedIn

Nikhilesh Goel
Co-founder & Chief Operating Officer

Bachelor of Engineering; MBA in Finance
Bringing over 10 years of Private Equity and Corporate Finance experience across ASEAN and India, 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. Nikhilesh is a regular speaker at Fintech and SME conferences, sharing insights in Alternative Lending, Small Business Financing and Peer to Peer Platforms.

Connect with Nikhilesh on LinkedIn

Sonal Jain
Sonal Jain
Chief Data Officer

With over 14 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.

Connect with Sonal on LinkedIn

Jayanta Kumar Roy
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.

Connect with Jayanta on LinkedIn

Swaroop Shah

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.

Connect with Swaroop on LinkedIn

Shankar K Pillai

With over 14 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.

Connect with Shankar on LinkedIn

X.Y. Ng

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.

Connect with X.Y. on LinkedIn

Our alliances

Singapore’s leading peer-to-business financing platform

$ 1.85 billion

Total funded across all markets (SGD)

0 Total amount funded so far (SGD)