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Nishant Pathak
Executive Engineering Leader specializing in cloud-native platforms and security
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About
Former CTO of EzCred, a fintech embedded finance/digital lending infrastructure startup that built an API-first underwriting and servicing platform using alternative data (e.g., GST and bank statements) to cut loan decisions from days to minutes. Helped raise $1M in seed funding, built the engineering org and compliance-ready cloud architecture, and ran partner pilots before the company shut down during COVID-driven lending market contraction.
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Key Strengths
- CTO-level leadership: built end-to-end lending/underwriting platform architecture
- Raised $1M seed funding as part of founding team
- Built scalable, real-time credit decisioning system (reduced approval time from days to minutes)
- Deep domain expertise in underwriting, risk modeling, and alternative data signals (GST/bank statements)
- API-first infrastructure approach enabling integrations with NBFCs/financial partners
- Strong execution from idea validation to pilots (prototype risk model tested on historical anonymized data)
- Security/compliance-minded builder (audit trails, encryption, data governance)
- Capital-efficient, MVP-first product strategy under constrained resources
- Disciplined decision-making under macro/regulatory constraints (shutdown decision during COVID)
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