KarmaLifeAI
Vinaykumar NG has experience in operations, customer support, and as a subject matter expert at various companies such as KarmaLifeAI, Niki, and [24]7.ai. At KarmaLifeAI, Vinaykumar is currently serving as the Operations Lead, focusing on building financial solutions for India's young and growing #GigEconomy and blue-collar workforce. At Niki, Vinaykumar worked as an Operations, generating reports and analyzing data to assist management in decision-making. As a Senior Customer Support Specialist, Vinaykumar broke down user problems and trained new personnel at Niki. At [24]7.ai, Vinaykumar served as a Subject Matter Expert, collecting customer feedback and making process changes to improve customer satisfaction.
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.