profile image

Harshvardhan Lunia

Co-Founder & CEO, Lendingkart Technologies Pvt. Ltd.

Harshvardhan Lunia is the co-founder and CEO at Lendingkart Technologies. He drives the primary aspect of business in the company: Designing innovative credit solutions and delivering them in the simplest and most efficient manner to SMBs. Harshvardhan had about a decade of experience in corporate banking before he embarked on an entrepreneurial route.  

He started his career with large private sector and multinational banks in their small loan divisions. He has worked with top companies like ICICI Bank, Standard Chartered Bank and HDFC Bank.  Early in his career, he was intrigued by the passion of small business owners who in spite of being creditworthy were not served by existing lenders. Additionally, he understood the anxiety one went through waiting for credit decisions to come through, which, in banks can take months. This is what spurred him to do something of his own in this sector, replete with opportunities. In December 2010, he launched Domestic Finance & Investment Private Limited. Lendingkart was incorporated in December 2014 with a vision to provide financing solutions to those who are creditworthy but would be overlooked by traditional financial institutions.  

His vision is to implement Big Data credit scoring with analytics and artificial intelligence. He wants to make Lendingkart synonymous with an online credit provider that has the simplest and most efficient loan delivery system, the easiest access and the most flexible terms. He plans to helm the expansion of Lendingkart by leveraging cutting-edge technology and data analytics for credit appraisal and cash management.

Harshvardhan is a Chartered Accountant and has completed his Post Graduation from the prestigious ISB (Indian School of Business, Hyderabad). In his free time, he loves walking and exploring the world with his wife.