Vinay Kumar Singh

Background

About Vinay Kumar Singh

Vinay Singh is a seasoned product leader known for his expertise in building scalable, performance-driven digital lending solutions. His passion lies in building digital-first systems that integrate compliance, risk management, KYC, and technology, helping create one of the largest channels for his bank in digital lending space through partnerships. With deep expertise in KYC and digital lending governance (DLG) compliance, Vinay has built systems that effectively prevent fraud, including mule accounts, account takeovers, and fraudulent transactions, ensuring zero leakages. His expertise extends to CERSAI (Central Registry of Securitisation and Asset Reconstruction), and he is one of the few leaders in the industry whose voice is influential in shaping scalable, risk-free tech stacks for lending. Vinay has pioneered industry-leading platforms that empower businesses, enabling them to scale without compromising on security. His track record includes creating the most proven rails for loan transactions, collaborating with leading LSPs (Loan Service Providers) across sectors like fintech, e-commerce, and insurance tech. Vinay is a key co-founding member of Kissht, a pioneering Fintech startup. His instrumental contributions over a 5-year period were crucial in scaling Kissht from its nascent stages to achieving self-sustainability. He launched several key products at Kissht, including BNPL, line-based personal loans, and insurance solutions. He also spearheaded the development of a machine learning model ( EMI-fy ) using NLP to evaluate customer financial health and facilitate financing for high-ticket purchases.