01
Empathy
We design around real borrower worries, not lender convenience.
Built by people who believe in small business.
We are builders, engineers, designers, and operators working to make MSME credit calm, clear, and honest.
NAVDHAN / TEAM
Calm, credible credit for every small business.
We believe MSMEs deserve a lending experience that is honest, respectful, and fast. NavDhan exists to make that the default.
02
Transparency
No hidden fees, no jargon. Plain terms you can verify.
03
Speed
Decisions move quickly because our systems do the heavy lifting.
Meet the team.
Vaibhav Sharma
CEO
Family-run SME roots | Digital assets, RWA tokenisation & trade-finance workflows | Built NavDhan’s origination stack through 4 months of lender co-design
LinkedIn ↗
Rayansh Srivastava
CTO
Multi-Agent AI & ML Systems | Previously built wealth-tech solutions for European Family Offices | Ex-Samsung ML Research
LinkedIn ↗
Keshav Dudani
Founding ML Engineer
Backend & Applied ML | Prediction Systems & Financial NLP | Built commodity-trading systems deployed across 5 enterprises
LinkedIn ↗
Manchit Sanan
Compliance Lead
17+ Years Enterprise IT | API & Regulatory Infrastructure | US Healthcare → FinTech
LinkedIn ↗
Divyesh Reddy
Partnerships Lead
MSME Credit Analytics | Previously built Buyer-Risk Intelligence for MSMEs | Lender & Ecosystem Partnerships
LinkedIn ↗
Kavish Mahajan
Creative Director
Brand & Product Design | Owns Kubar’s Brand, UI/UX & Design Systems | Previously founded & scaled a design agency
LinkedIn ↗Our advisors.
Debayan Gupta
Professor, CS - MIT, Ashoka University
Advises on research-led technology choices and academic partnerships.
Amit Sagar
Lead System Architect at Bank of England
Contributes system architecture and CBDC insight for secure infrastructure.
Shridhar Sethuram
Finance veteran, 25+ years in Private Equity
Brings long-term capital markets perspective to growth strategy.
Tushar Jaruhar
Ex-Pricing Actuary at Zurich Insurance Co.
Advises on pricing discipline and insurance-linked risk thinking.
Want to shape the future of MSME credit?
We are always looking for thoughtful people who care about building fair financial products.