Shivi Sharma

Co-Founder

San Francisco, California, United States10 yrs 9 mos experience

AI EnabledAI ML Practitioner

Key Highlights

Expert in credit and fraud risk strategy.
Founded Kaaj to empower small business lending.
Decade of experience in financial services and fintech.

Stackforce AI infers this person is a Fintech expert specializing in credit and fraud risk strategies.

Contact

Skills

Core Skills

EntrepreneurshipArtificial Intelligence (ai)Machine LearningAdvanced Analytics

Other Skills

Analytical SkillsBusiness AnalysisData AnalysisData VisualizationExperimentationFundraisingLarge Language Models (LLM)Product ManagementPublic SpeakingPython (Programming Language)ResearchSQLStrategic PlanningTeam Leadership

About

Shivi is an expert in credit and fraud risk strategy with a decade of experience across financial services and fintech. Prior to founding Kaaj, she held risk roles at American Express, Uber Payments and Varo Bank, where she focused on applying advanced data science to improve credit outcomes and reduce fraud in lending, payments, and onboarding. She founded Kaaj to help modern lenders simplify small business underwriting and empower financial institutions to serve small businesses better through AI-enabled infrastructure.

Experience

Kaaj

Co-Founder & President

Aug 2024 – Present · 1 yr 7 mos · San Francisco Bay Area · On-site

Building AI agents to automate workflows, deliver credit intelligence, and help lenders profitably serve small business loans. Backed by Kindred Ventures and Better Tomorrow Ventures.

Artificial Intelligence (AI)EntrepreneurshipProduct Management

On deck

Member

Apr 2024 – Apr 2024 · 0 mo · San Francisco Bay Area · On-site

Entrepreneurship and founder community

Varo bank

Fraud Analytics

May 2022 – Aug 2024 · 2 yrs 3 mos · San Francisco Bay Area

Leading development of fraud risk strategies through advanced analytics, experimentation, ML model validation, building new features for improved fraud detection, developing key metrics to track performance , integrating new data sources to improve risk scores, establishing cross-functional relationships to operationalize robust risk solutions
Mitigating fraud risk across the entire customer lifecycle and all bank products- application, onboarding, ATO, ACH, check, zelle, card transactions, and Varo to Anyone P2P payments

Python (Programming Language)Advanced analyticsMachine LearningAnalytical SkillsSQLExperimentation+1

Uber

Decision Scientist II - Payments

Jan 2021 – May 2022 · 1 yr 4 mos · San Francisco Bay Area

Create data driven risk mitigation strategies for all Uber financial product offerings, including wallet, emoney, and giftcards. Reduce chargeback exposure for Uber and reduce payments friction for good users

Machine LearningAnalytical Skills

American express

2 roles

Business Financing and Supplier Payments Risk

Feb 2020 – Jan 2021 · 11 mos

Led risk analytics & data science initiatives for supplier payment products and created risk strategies to facilitate safer and faster B2B payments.
Built credit risk strategies for small business working capital loans
Built real time capabilities to monitor commercial portfolios real time to keep delinquencies under check Integrated risk frameworks in products to reduce contingent liabilities while driving growth.
Integrated news feed data to identify high risk customers quickly
Worked in collaboration with Engineering and Product teams to roll out products to monitor credit limits on supplier payment products.

Machine LearningAnalytical Skills

Merchant Risk & GBS

Feb 2018 – Feb 2020 · 2 yrs

Worked with a global merchant base in commercial lending and business growth
Worked on building risk strategies while launching business checking accounts for Amex
Launched AP Automation for businesses and worked on identifying criteria to cross sell AP Automation to business accounts
Enhanced the product Amex Maps and worked with tech and business teams to develop product features that can improve data quality and the card-member experience on Amex maps.

Machine LearningAnalytical Skills

Snapdeal

Pricing Analytics

Jul 2015 – Feb 2018 · 2 yrs 7 mos · India

As a Business Analyst in Pricing Analytics, I was tasked with formulating pricing policies based on the analysis of historical trends & future projections, optimizing promotional budget, driving cost reductions, evaluating the efficiency of marketing campaigns, and advising customer retention strategies

Machine LearningAnalytical Skills