Rajiv Agarwal

CA with over 25 years of professional experience in financial services, specializing in structured lending, MSME credit, and financial inclusion. He holds PhD (ISCED Level 8) in Technology-Driven Sustainable Lending Models, with a research focus on MSME financing and NBFC business models in India and has extensive experience in integrating technology, analytics, and risk frameworks to build sustainable and compliant lending institutions focused on India’s growing MSME sector. Founder of Vallabhi Capital, an RBI-registered NBFC delivering fast, flexible, and data-driven credit solutions to India’s underserved MSMEs. Its AI/ML-based underwriting enables responsible last-mile financial inclusion with rapid turnaround times.