Harshvardhan Lunia
About
Harshvardhan Lunia is from Bengaluru, Karnataka, India. In Harshvardhan's previous role as a Founder & CEO at Lendingkart, Harshvardhan worked in Bangalore & Ahmedabad, India until Jul 2025. Prior to joining Lendingkart, Harshvardhan was a Founder & Director at Domestic Finance & Investment Private Limited and held the position of Founder & Director at Ahmedabad, Jaipur & Mumbai. Prior to that, Harshvardhan was a Relationship Manager, Investment & Corporate Banking, UK & Germany at ICICI Bank, based in London, United Kingdom from Sep 2008 to Dec 2010. Harshvardhan started working as City Manager, SME Banking at Standard Chartered Bank in Ahmedabad Area, India in Nov 2004. From Oct 2003 to Nov 2004, Harshvardhan was Small Business Relationship Manager at HDFC Bank, based in Surat & Ahmedabad.
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Harshvardhan Lunia's past jobs
Lendingkart uses analytics and online data to determine whether it wants to lend to businesses or not. So instead of filling paper forms and making multiple trips to the bank, the businessman just logs in, provides access to his online footprint and we use our proprietary self learning algo for credit-scoring and to decide instantaneously whether we want to lend to him or not. There is enough data footprint online to determine the intent to pay back a loan, quality of the product/service, health of business, ability to compete etc. We are a team of ISB, IIM grads determined to automate the entire banking decision and delivery process.
The company is involved in designing and arranging innovative credit solutions for Small & Medium sized Enterprises (SME's) in India. We specialize in arranging Alternative modes of financing for SME's. Some of the products on which we have worked extensively include Risk capital, working capital for service industry & startups, Accounts Receivable financing, Reverse Factoring services, Clean trade credits, Installment credit etc. We work closely with Financing Institutions like SIDBI, IFCI, Small B branches for innovation & startup finance and Nationalized banks. We have helped 'growing small enterprises' in undertaking vertical and horizontal integrations and arranged finance for them.
Role involved interacting with clients, understanding their requirements and structuring the deals, interacting with risk, credit, legal and operations and getting the deals executed.
Sourcing the clients. Understanding their business fund requirements, guiding and delivering them for financing in areas of Working capital, Export finance & Foreign exchange requirements. Managed a team of two RM's and two credit analysts for the city. First hand experience of lending to small enterprises across Gujarat in sectors like Retail, Apparels, Jewellery, Metals, Ancillary industries & Pharma.
Part of team that started retail lending to small enterprises in HDFC bank, involved in development of all product notes and credit policies