KarmaLifeAI
Shishir Modi is currently serving as the Chief Growth Officer at KarmaLifeAI. Previously, Shishir co-founded Niki with a mission to bring trust and service to millions of customers. With a background in electrical engineering, Shishir has also held positions at IndiaReads.com, Energo Engineering Projects Limited, and Tata Motors. Additionally, Shishir has been involved in providing internship opportunities to students through roles at AIESEC IIT Kharagpur.
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.