Gopi Shankarappa

Co-Founder

Bengaluru, Karnataka, India12 yrs 5 mos experience

Key Highlights

Expert in building credit ecosystems for micro-businesses.
Proven track record in automating loan approval processes.
Strong leadership in data science and analytics teams.

Stackforce AI infers this person is a Fintech expert focused on credit access and data-driven solutions.

Contact

Skills

Core Skills

Credit AccessEcosystem BuildingData ScienceCredit RiskAutomationData AnalysisManagementAccountingPeople Management

Other Skills

tech developmentmachine learningcredit risk analysisMIS analysisVBA ProgrammingApache SupersetPython (Programming Language)Microsoft ExcelTableauSQL

About

After I spending 10+ years in the financial sector, a few patterns became impossible to ignore to me: -> Credit keeps circulating among the same borrowers -> Unsecured loans remain difficult for non-salaried businesses -> Tier-2+ India is still under-served India’s Credit Blind Spot 1. India has ~5.5 crore micro and medium businesses 2. For ~80% of them, formal credit is still a dream 3. Informal and complex structures make lending difficult 4. These businesses need more than money: -> Insurance for protection -> Bookkeeping for visibility -> Financial awareness for decision-making -> A sustainable ecosystem, not short-term lending We are Building From the Ground Up -> Currently based in a Tier-2 city to understand this segment deeply -> Building performance-driven credit models -> Tech-enabled, strengthened by on-ground presence The 5-Year North Star -> Presence across 250+ Tier-2 & Tier-3 districts -> ₹25,000 Cr AUM -> NPA below 2% -> 60% customers new to credit -> 10 million businesses covered -> 30% cross-sell of health insurance, life insurance & bookkeeping solutions More Than Numbers This isn’t just about scale. It’s about turning informal hustle into formal growth. In the end, we’re solving for millions of dreams — one small business at a time.

Experience

12 yrs 5 mos

Total Experience

1 yr 8 mos

Average Tenure

9 mos

Current Experience

Finarva

Heart, Blood and Sweat

Jul 2025 – Present · 9 mos · Bengaluru, Karnataka, India · On-site

Rethinking how micro-businesses access credit that’s affordable, scalable, faster, and transparent. Building tech that fits real informal lending behavior, not the other way around. Creating a full ecosystem of credit, insurance, investment, and money education.
Focused on improving overall livelihood for micro-business owners.

credit accessecosystem buildingtech development

Refyne india

Data Science & Credit Risk

Apr 2023 – Jun 2025 · 2 yrs 2 mos · Bengaluru, Karnataka, India · On-site

The outcomes where:
1. 99.8% loans approved within 4 seconds, fully automated.
2. Built 32 scalable, manageable, trackable and changeable ML Models, this mainly consist of probability of default, survival and forecast models.
3. Improved NPA over more than 4x in span of 2 years while improved approval rate of 3x.
4. Fully managing credit risk, data science and risk Analytics team and owning the teams KRA to deliver.

data sciencecredit riskmachine learning

Iifl samasta finance limited

Lead - Data Science & Analytics

Jun 2022 – Apr 2023 · 10 mos · Bengaluru, Karnataka, India

Navi

Business Analyst

Feb 2021 – May 2022 · 1 yr 3 mos · Bengaluru, Karnataka, India

Self study

IPS/IAS Aspirant

Aug 2020 – Jan 2021 · 5 mos · Greater Bengaluru Area

My dreams was to become an IPS, due to unavoidable circumstances I have given up this idea. Happy to discuss over coffee.

Chaitanya india fin credit pvt ltd

Lead Analytics

Nov 2016 – Jul 2020 · 3 yrs 8 mos · Bengaluru Area, India

Learnt data analysis, management skills and Built analytics team. Got an opportunity to work with Samit sir - CEO of Chaitanya till 2019 for a longer period which sharpened my skills. Also got exposure to strategy, risk and business. Spent good amount of time in automation. Also worked for equity infusion fully.

data analysismanagementautomation