InPrime Finserv
Harsha Vardhan has a diverse work experience in the technology industry. Harsha is currently working as VP of Engineering at InPrime Finserv since 2023. Prior to this, they served as a Tech Lead at Jar from 2021 to 2023, where they were involved in building technology for a microsavings and investment platform. Harsha also worked as an SDE II at Razorpay from 2020 to 2021 and as an Engineering Lead at Marsplay (Acquired by Foxy) in 2020. Additionally, they gained valuable experience as a Professional Freelancer from 2016 to 2020, where they worked on enhancing their skills in AR, Big Data, and ML while building backend systems for various startups. Harsha also held positions as an Associate Architect at HighRadius from 2018 to 2020 and as an SDE 1 at Intellect Design Arena Ltd from 2016 to 2018.
Harsha Vardhan completed a Bachelor's degree in Computer Science with specialization in Bioinformatics from Vellore Institute of Technology from 2012 to 2016. Prior to that, they attended Sri Sathya Sai Institute of Higher Learning from 2010 to 2012 where they completed their Higher Secondary School with a focus on Biology, Physics, and Chemistry. In addition, Harsha Vardhan has obtained various certifications in areas such as blockchain, Apache Spark, machine learning, cloud architecture, and Unity programming.
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InPrime Finserv
‘Informal Prime’ as we christen this segment as, is an emerging horizontal segment within the informal economy. It originates from its progressive behavioral characteristics rather than pure demographic segmentation; And transcends across geography, livelihoods, and income levels. The manifestation of this segment is evident with customers exhibiting a growth mindset, making transitions from a cash to less cash economy, adopting digital solutions backed by a proven credit track record of several years. However, there is faint recognition of their progressive characteristics and consequently of their advanced financial needs. At InPrime, the aim is to recognize this sub-segment within the informal economy and carry forward the winning attributes of traditional lending and simultaneously leverage the modern lending practices focused on data, digital and technology. This, we believe can generate superior financial and non-financial outcomes without compromising on the core elements of lending which include- customer connect, engagement and risk management. We estimate that approximately 50 million households are part of this evolving segment with an incremental annual credit need of Rs. 5 lakh crores (70 billion USD). It will need a new category of institutions to cater to this massive emerging demand and we intend to be one of the early movers in this space.