KarmaLifeAI
Badal Malick is the Co-founder and Chief Business Officer at KarmaLifeAI, where Badal focuses on building an integrated financial solution for India's vulnerable employment sectors. Badal has a background in digital finance, inclusive payment partnerships, and strategic advisory roles in various organizations like Ashoka University, LEAD @ KREA University, and the National Payments Corporation Of India. With experience in leadership positions at Snapdeal, Intuit, and McKinsey & Company, Badal brings expertise in business strategy, product management, and ecosystem development. Badal holds an MBA from Yale School of Management and has degrees in International Economics and Economics/Physics.
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KarmaLifeAI
KarmaLifeAI is an AI-powered digital solution for the financial well being of blue-collar gig workers and micro-business. The company allows the user to pay directly for key expenditures and smoothen their consumption patterns. It offers real-time access to credit for gig workers, based on their payroll account, through partnerships with thedigital platforms they work for. It operates an interest-free subscription model in which the platform or the gig worker can pay a flat fee and access credit equalling up to one-third of their monthly income. The company analyzes alternative data points and payment behavior over time to unlock higher credit lines for the workers.