About Us

We are the innovation powerhouse to

bridge the gaps in MSME Universe for

their Credit Needs

#Sabse Tez

Join Us

With a legacy of over 5+ years, Tezzract is India’s fastest growing MSME Lending Platform. We are building the right tools, decision engines and new sourcing channels to creatively address the needs of MSME CREDIT for lenders & borrowers.

Founders Shaili Kajaria and Vivek Raghavan built KapitalTech successfully, disbursing Rs. 2200 crores. In their 2nd Avatar – they are creating an MSME lending revolution. Tezzract puts innovation, speed, and risk management at the heart of its products.

Tezzract operates in 20 cities across India with a passionate & growing team of more than 100 innovators.

Tez is Fast

Tez is Sharp

 

#SabseTez

Clix Capital Services Private Limited (“Clix Capital”) & Tezzract Fintech Private Limited, under their Joint Strategic Partnership, are offering secured and unsecured loan products to MSME customers.

Our Story

We Got Started Because We Want to Start a MSME Credit Revolution

MSMEs often suffer from lack of formal credit. This is due to high information asymmetry, gaps in understanding of cashflow-based lending, & high penetration of informal lending. The application processes are cumbersome, the underwriting methods are archaic & risk management practices are penny-wise-pound foolish. If they do have the prerequisite documentation, they are often battling the challenges posed by the structural bureaucracy of lending in India.

At the same time, Many old-school lenders who are keen to lend to MSMEs are unable to cater to the financial needs of MSME customers. This is especially tougher to solve in tier 2 and tier 3 cities of India. At Tezzracct, we believe that strong analytics, tech-first approach and customer centricity can help build financial products, loan distribution channels and collection infrastructure to crack this puzzle.

Team

Meet The Tez Team

Vivek raghavan

Co-Founder & CEO

Vivek has over 15 years of experience in the Financial Services space. Prior to this, He had Co-founded KapitalTech – a leading MSME lender. With the help of his deep understanding of Risk, KapitalTech has lent more than Rs. 2200 crore to more than 15000 MSME customers across India. He has previously worked with Deloitte Touche Tohmatsu and Edelweiss Financial in their Investment Banking divisions. He has originated and executed funding transactions cumulating to Rs. 5,000 Cr+ across product classes viz. Structured Debt, Mezzanine Financing, High Yield Debt and Debt Restructuring for mid-corporates on a Pan-India basis.
He likes spending his time doing meditation and in nature.

Shaily Maheshwari kajaria

Co-Founder & Chief Analytics Officer 

She is a young and experienced Fintech entrepreneur. She founded KapitalTech in 2015 and grew it into a leading tech-enabled MSME lender. Under her leadership, KapitalTech has lent more than Rs. 2200 crore to more than 15000 MSME customers across India. She also led the development of DEXTER – a cutting edge risk analytics and credit underwriting engine. Prior to that, she worked with Deloitte Touche Tohmatsu where she was involved in the financial due diligence of multiple cross-border M&A transactions.
She holds a degree in Econometrics and Statistics from the University of Warwick, UK. She is a Vipassana enthusiast and loves her sports.
Her favourite tools are Python, R, Grafana.

Vinay chintapalli

Chief Strategy Officer

Vinay has over 16 years of experience in strategic initiatives, investment banking, Partnerships & Alliances. He is founding member of team Tezzract. Prior to joining Tezzract, Vinay was part of KapitalTech where he managed new business & alliances. Before that, Vinay was a core part of the leadership team at the unicorn, OYO. Prior to that he was an investment banker with Edelweiss & PriceWaterhouseCoopers . Vinay is an IIM Calcutta Alumnus.

Usham kumar

National Sales Head

Usham has 19 years of work experience in diversified fields like finance & insurance with majority in Retail Finance. Prior to this assignment he was the NSM at KapitalTech and led it to a monthly run rate of Rs. 100 Crore a month. Having worked at Tata capital for 10 years in sales he has a proven track record of developing and implementing sales strategies, with growth and profitability. He has an Engineering degree from Nagpur University.

Aseem gautam

Chief Risk Officer

25+ years of professional experience within the retail Loan industry. Expertise in Personal/Business, auto loans, two wheelers and LAP policy formulation and implementation, credit scoring, underwriting, new product development and staff training, monitoring, and mentoring. Previous Employment: Chief Risk Officer, SMECORNER. Strong pedigree of working with KapitalTech, Tata Capital, DCB, Standard Chartered Bank

anand singh

VP Technology & Analytics

Anand has a masters degree in from IIT Bombay. Providing the Technical and Analytics backbone to the company, he has worked in the BFSI domain in Edelwise. He has an hands on experience of tools such as R Python, power BI & SQL. Passionate about Fintech revolution he aims to make the TEZ most tech.

Abhishek jani

Digital & Product Head

Abhishek has 15 + years of work experience in Sales. He has worked in KapitalTech, Neogrowth, Brittman , Barclays and other organisations. He is passionate about Digital Marketing, Direct customer acquisition. Has delivered consistent sales strategies on how to reach and serve the MSME customer base . He completed his education and lives in Mumbai.

Narinder Dhan

National Collection Head

Narinder is a high potential corporate professional. He brings 20+ years of in-depth knowledge of secured and unsecured collection. Prior to this assignment he was National Collection Manager for Akara Capital Advisors Pvt Ltd ( Stashfin). He has worked with companies like, GE Capital, GE Money, Magma Fincorp, Reliance Money and Utkarsh Small Finance bank handling various roles. He Managed multi-locational operations with a large team of internal and external staff. Narinder is a commerce graduate from Punjab University and PGDBM from Symbiosis, Pune.

Ankit pandey

Head Process Automation

Ankit has over 6 years of experience in Strategic Operations and Automation. Prior to joining Tezzract, Ankit has worked at Tech Mahindra and Aspire. Ankit is BE in Electronics and Communication Engineering by qualification. He is super passionate about Process Optimization in Fintech domain.

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