Avinash Chandra Jha is an accomplished professional with extensive experience in financial services, particularly in lending, business development, and strategic alliances. Currently serving as Associate Director at Cashfree Payments since May 2024, Avinash has previously held key roles at Spice Money as Head of GTM Strategy for MSME, focusing on digital lending and operational scaling. At YES BANK, Avinash progressed through various senior positions, enhancing SME lending and developing strategic programs. Prior experience includes leadership in corporate ratings at Credit Analysis & Research Ltd. (CARE Ratings), where responsibilities encompassed large corporate ratings and market development initiatives. Avinash began the career at Standard Chartered and gained early experience with Dun & Bradstreet in export marketing solutions. Educational qualifications include an MBA in Marketing and International Business, a B.Sc. from Delhi University, and a System Engineer degree from Asset International.