Gaurav Bhargava is currently the Chief Risk Officer at Earnin and a Venture Partner at Rackhouse Venture Capital. With extensive experience in the financial sector, Gaurav has held notable positions at companies like Tala, Guardinex, Capital One, Barclaycard, Citi, and HSBC. Gaurav has a diverse educational background with an MBA from The Wharton School, an MS in Operations Research from North Carolina State University, and a B.Tech from Indian Institute of Technology (Banaras Hindu University). Their expertise lies in credit risk management, fraud strategies, and data analytics within the banking and finance industry.
Earnin
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Earnin’s mission is to build a financial system that works for people. Every year, while Americans wait for their paychecks, more than $1 trillion of their hard-earned money is held up in the pay cycle. As a result, Earnin accumulates over $50 billion in late and overdraft fees and turn to high-interest loans. Earnin seeks to eliminate those fees and put money back into workers’ hands.