Siddharth co-founded Univ.AI after a decade-long career in India’s fast growing fintech sector. Most recently, he served as CEO, Reliance Jio Money, the fintech arm of Jio. Earlier, he was COO of PayZippy, Flipkart’s first payments business, and COO of CRIF-HIghMark, India’s only and leading Credit Bureau focussed on credit for the underprivileged. Before moving to India, and into fintech, Siddharth spent a decade in San Francisco working first, as product manager for tech companies, and later as an Analytics business leader for FICO, the company that invented credit scoring. He holds a graduate degree from the Massachusetts Institute of Technology (MIT), and an undergraduate degree from Indian Institute of Technology (IIT), Roorkee. Siddharth is a creator, who’s interests range from architecture to audiophile sound. At the moment, he’s building a modernist house he designed, and alongside, working on finishing his third sound system.