About

Nitin Sharma is a highly skilled technologist and entrepreneur who has spent over 12 years building working capital infrastructure for the world. As the Co-founder and CEO of Refo, he is currently on a mission to create the next generation of distribution and underwriting for lenders. Nitin's expertise lies in building data infrastructure for lenders that enables them to acquire new customers from multiple marketplaces and utilize enriched customer information for underwriting and user analysis. His focus on leveraging technology to drive innovation in the lending industry has led to the creation of cutting-edge products that are transforming the way lenders operate. Prior to Refo, Nitin served as the CPTO and MD-SME Business at Credable, where he played a key role in building the company's working capital infrastructure through their Enterprise, BAAS, and SME products. He has also served as the Chief Product & Technology Officer at Credable, where he was responsible for driving the development of the company's technology products. Nitin's educational background is equally impressive, with a Master of Business Administration (M.B.A.) in Marketing (PGP) from the Indian School of Business, a CFA Level 1 certification from the CFA Institute US, and a B.Tech in Computer Science from GGSIPU. He also holds a JLPT Level 3 certification in Japanese language from the Japan Foundation. Nitin's technical expertise is centered around infrastructure, and he is well-versed in a variety of technologies that enable him to build robust and scalable systems. His ability to leverage technology to solve complex business problems has made him a sought-after expert in the lending industry. Overall, Nitin Sharma is a highly skilled technologist and entrepreneur with a proven track record of building working capital infrastructure for the world. His focus on leveraging technology to drive innovation in the lending industry makes him a valuable asset to any organization looking to transform the way they operate.