Ritwik leads Commercial, Partnerships and Product strategy at Seedflex^®. Prior to co-founding Seedflex^®, Ritwik was the Regional Head of Lending at Grab Finance where he spearheaded the build, launch, and scale of Grab's Fintech lending business in Southeast Asia. He led the APAC SME banking and Retail FS (Indonesia and Vietnam) consulting practice at Oliver Wyman. He also led a team in the US credit cards acquisition business at Capital One. With over 20 years of experience, Ritwik brings deep expertise in developing SME credit solutions, payments strategy and Fintech partnerships strategy.

Sauvik leads Operations, Risk, Data and Product at Seedflex^®. He has over 20 years of experience in SME and Consumer credit working across industry leaders such as Standard Chartered Bank, American Express, McKinsey and Validus Capital. He was an early member of Validus Capital operating as Chief Data and Risk officer. Prior to co-founding Seedflex, Sauvik was the Head of Risk and Collections at Grab Financial Group.

Sharad leads Finance, Capital Strategy, and Governance at Seedflex®. He brings with him over 19 years of experience in the Financial Services industry. Prior to joining Seedflex®, Sharad served as the Head of Asia at Lendable and led private credit at Citi. He also brings valuable industry experience from his time at J.P. Morgan.

Shankar leads Technology and Engineering functions at Seedflex^®. He brings with him over 20 years of experience in building and scaling technology solutions across Infosys, Adobe, Intrax, Validus Capital, Affinidi and EMQ. As the Vice President of Engineering at Validus Capital and the first tech employee, he led the core tech platform and architecture build out for the company. In his most recent role as Director of Engineering at EMQ, Shankar has been focusing on scaling EMQ’s payments platform across markets.

Ksheetij focuses on partner integrations and embedded lending solutions at Seedflex®. He brings with him over 14 years of experience in technology sales and fintech product consulting. Prior to joining Seedflex®, he gained experience across companies including Perennial and Scaale.

Joel focuses on Go to Market strategy and enablement at Seedflex^®. As a key member of Grab Finance's expansion team, Joel led the launch of 3 digital lending products in Indonesia, including the first digital ecosystem cash credit solution and Grab’s consumer Pay Later solution. Prior to joining Seedflex^®, Joel gained experience in private investment and financial impact creation space with his role as Impact Associate at LeapFrog Investments.

Avinash focuses on technical ownership of product at Seedflex^®. He brings over 15 years of experience in product roles across payments and lending companies including Tide, HomeCredit India, PayU and Pine Labs. Prior to joining Seedflex^®, Avinash held product lead roles for merchant acquiring, experience management and payout products. He has also been part of multiple successful end to end product launch efforts ranging from conceptualization to roll out.

Trixia focuses on Partnerships and Commercials in Malaysia at Seedflex®. She brings with her over 10 years of experience across the Banking, Fintech, and E-commerce industries. Prior to joining Seedflex®, Trixia gained extensive experience holding roles at Citibank, Shopee, and RinggitPlus.

Nova focuses on Partnerships and Commercials for the Indonesia market at Seedflex®. She brings over 15 years of experience in Banking, Fintech, and Tech start-ups. Prior to joining Seedflex®, Nova held positions at prominent companies including PasarPolis and BCA.