Foundational Pillars

Building India's Largest
Embedded Credit Platform

Mission & Vision

Our Mission

Leverage Technology to build and deliver contextual Financial Products for the Next Half Billion people and transforming into a full stack Digital Bank by 2030.

Mission & Vision

Our Vision

To include, empower and transform the Next Half Billion people by providing access to easy, affordable and transparent Financial Services.

Overview

India's Largest Embedded Credit Platform

MyShubhLife is India's largest embedded credit platform delivering timely credit inside the apps MSMEs already use. Our fully digital, tech-led approach enables faster and simpler access to business credit. We are helping transform the MSME growth story across India.

Overview

Strong Financial Backing

MyShubhLife is backed by UGRO Capital Limited, a leading DataTech NBFC focused on MSME lending. UGRO acquired MyShubhLife as a wholly owned subsidiary in 2024. Together we combine strong financial strength with data-driven lending expertise.

Overview

End-to-End Digital Infrastructure

Our platform is powered by an in-house Loan Origination System (LOS) and Loan Management System (LMS). This infrastructure supports the complete lending lifecycle from onboarding to loan management. The result is a seamless and fully digital lending experience.

Overview

Built for Seamless Integration

Our plug-and-play APIs enable fast integration with partner platforms. Anchor-based lending connects credit directly within merchant ecosystems. This ensures a smooth customer journey and efficient acquisition.

Trust

Data-Driven Lending at Scale

Alternative data and real-time analytics power smarter credit decisions. Machine-learning risk models enable scalable and responsible lending. Today we reach 15M+ merchants through 9 leading partners including UPI apps, payment banks, and marketplaces.

Journey

The Growth Story

A narrative of inclusion, technology, and MSME growth.

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image

AlargesegmentofIndiassmallbusinessesoperatesinafinancialspaceleftunservedbyoutdatedcreditscoringmodelsandtraditionalbankingsystems.Thismakesitdifficultforthemtoaccesstimelyandaffordablecredit.MyShubhLifebridgesthisgapwithafullydigitalembeddedfinanceplatformthatdeliversloansinsidetheappsMSMEsalreadyuse.

"Poweredbyourin-houseLOS,LMS,andseamlessAPIs,itenablesfasterdigitallendingforthin-fileborrowers."

WeembedcreditdirectlyintotheecosystemsMSMEsalreadytrust.Ourplug-and-playAPIsuiteletsmerchantplatformsseamlesslyintegrateinstant,contextuallendingfortheirnetworks.Proprietaryunderwritingleveragesalternativedataforfaster,moreaccuratedecisions,unlockingcreditaccessacrossBharat.

200K+
Businesses Served
₹500Cr+
Loans Disbursed
99.9%
Uptime

Our Team

Monish Anand

Monish Anand

CEO & Founder, Ashoka Fellow

A business leader with 23+ years across banking, technology, and telecom, Monish has led international organisations, start-ups, and Greenfield projects. He specialises in consumer finance, product development, credit underwriting, and BFSI technology.

Rahul Sekar

Rahul Sekar

Co-Founder & CTO

An IIT Madras alumnus and former Goldman Sachs portfolio analytics lead, Rahul brings deep expertise in data modelling, risk assessment, fraud analytics, and credit governance — translating complex financial data into scalable, intelligent systems.

Manoj Sharma

Manoj Sharma

Chief Business Officer

A seasoned banking leader with 25+ years at ICICI Bank and beyond, Manoj drives MyShubhLife's business strategy, revenue growth, and high-impact partnerships — translating vision into measurable market expansion across channels.

Abhishek R.

Abhishek R.

Chief Risk Officer

Abhishek R leads Risk Management Operations, With 15+ years spanning global banking giants, Abhishek architects MyShubhLife's credit and risk frameworks — balancing portfolio growth with disciplined underwriting to protect both borrowers and the business at every stage.

Venkatesh Madyastha

Venkatesh Madyastha

Chief Data Scientist

A PhD from Georgia Tech with multiple patents and journal papers to his credit , Venky brings world-class scientific rigour to MyShubhLife — building analytical models and data strategies that power smarter, faster lending decisions at scale across the platform.

Shiju Thomas

Shiju Thomas

VP - Collections

Shiju Thomas oversees and drives collections to retrieve money owed. Brings 18+ years in risk/collections, client servicing, and sales across Banking, NBFC, and BPO organizations like HDFC Bank, CitiFinancial, and ICICI OneSource.

Gautham Uthaiah

Gautham Uthaiah

Head-Partnership and Alliance

Gautham brings 16+ years of leadership in domestic/international markets across Merchant Acquisition, Strategic Alliance, and Customer Retention in IT/Fintech. Held sales/enterprise roles at Wipro Peripherals, Isolve Technologies, Innoviti Payments, Mswipe Technologies. Holds PG in Computers from Mangalore University.

Soumya Shetty

Soumya Shetty

Office Manager

Soumya brings 6 years of sales experience: 1 year in corporate gifts, 5 years in IT (technical training sales/recruitment) with IBM, HP, Wipro, Accenture, others. Devoted 10 years to Goldman Sachs in Learning and Development. Holds MA Sociology (anthropology) from Bengaluru University.

Visalakshi Ramasamy

Visalakshi Ramasamy

Business Finance manager

Visalakshi Ramasamy handles overall Financial Accounting and MIS reporting. Leads financial activities at MSL, formulates compliant policies/strategies, and ensures organizational financial health via robust reporting. Dynamic CA with 5 years from Volopay, Standard Chartered, Mewt.

Sathish Vittal

Sathish Vittal

Head - Fraud Control Unit

Sathish Vittal manages all risk function aspects: identifies, assesses, monitors, prevents fraud; drives frameworks for fraud/financial risks and coordinates policies. Has 19+ years in fraud control/collections at HDFC Bank, Mahindra Finance, Bajaj Finance.

Akila Raju

Akila Raju

Head - Human Resources

A HR Leader with 20+ years, Akila builds the people strategies that attract top talent, nurture high-performance teams, and fuel MyShubhLife's growth from within. She has also contributed to shaping cultures at Goldman Sachs, ICICI, and leading hotels.

Karthik Thampi

Karthik Thampi

Head - Operations

Karthik brings 16 years of financial services expertise to reimagine digital lending operations — from seamless customer onboarding to swift grievance resolution, oversees Operations, innovates strategies to enhance corporate customer experience and oversees Compliance & Governance.