About Us

We are the innovation powerhouse to

bridge the gaps in MSME Universe for

their Credit Needs

#Sabse Tez

Join Us

With a legacy of over 5+ years, Tezz Capital(Tezzract) is India’s fastest growing MSME Lending Platform. We are building the right tools, decision engines and new sourcing channels to creatively address the needs of MSME CREDIT for lenders & borrowers.

Founders Shaili Kajaria and Vivek Raghavan built KapitalTech successfully, disbursing Rs. 2200 crores. In their 2nd Avatar – they are creating an MSME lending revolution. Tezz Capital(Tezzract) puts innovation, speed, and risk management at the heart of its products.

Tezz Capital(Tezzract) operates in 20 cities across India with a passionate & growing team of more than 100 innovators.

Tez is Fast

Tez is Sharp

 

#SabseTez

Clix Capital Services Private Limited (“Clix Capital”) & Tezzract Fintech Private Limited, under their Joint Strategic Partnership, are offering secured and unsecured loan products to MSME customers.

Our Story

We Got Started Because We Want to Start a MSME Credit Revolution

MSMEs often suffer from lack of formal credit. This is due to high information asymmetry, gaps in understanding of cashflow-based lending, & high penetration of informal lending. The application processes are cumbersome, the underwriting methods are archaic & risk management practices are penny-wise-pound foolish. If they do have the prerequisite documentation, they are often battling the challenges posed by the structural bureaucracy of lending in India.

At the same time, Many old-school lenders who are keen to lend to MSMEs are unable to cater to the financial needs of MSME customers. This is especially tougher to solve in tier 2 and tier 3 cities of India. At Tezzracct, we believe that strong analytics, tech-first approach and customer centricity can help build financial products, loan distribution channels and collection infrastructure to crack this puzzle.

Team

Meet The Tez Team

Vivek raghavan

Co-Founder & CEO

Vivek has over 15 years of experience in the Financial Services space. Prior to this, He had Co-founded KapitalTech – a leading MSME lender. With the help of his deep understanding of Risk, KapitalTech has lent more than Rs. 2200 crore to more than 15000 MSME customers across India. He has previously worked with Deloitte Touche Tohmatsu and Edelweiss Financial in their Investment Banking divisions. He has originated and executed funding transactions cumulating to Rs. 5,000 Cr+ across product classes viz. Structured Debt, Mezzanine Financing, High Yield Debt and Debt Restructuring for mid-corporates on a Pan-India basis.
He likes spending his time doing meditation and in nature.

Shaily Maheshwari kajaria

Co-Founder & Chief Analytics Officer 

She is a young and experienced Fintech entrepreneur. She founded KapitalTech in 2015 and grew it into a leading tech-enabled MSME lender. Under her leadership, KapitalTech has lent more than Rs. 2200 crore to more than 15000 MSME customers across India. She also led the development of DEXTER – a cutting edge risk analytics and credit underwriting engine. Prior to that, she worked with Deloitte Touche Tohmatsu where she was involved in the financial due diligence of multiple cross-border M&A transactions.
She holds a degree in Econometrics and Statistics from the University of Warwick, UK. She is a Vipassana enthusiast and loves her sports.
Her favourite tools are Python, R, Grafana.

Rupak Ghosh

Chief Business Officer

IIM Kozhikode alumnus with over 25 years of senior leadership experience at Vodafone, Bharti, Reliance, Eastman Kodak, and Unilever. Known for successfully executing greenfield projects, turning around challenging operations, and leading large, complex teams. Expertise spans strategy, ideation, and managing turnovers exceeding ₹2000 crore. Actively consults in diverse fields, including building QSR tech startups. A team-oriented leader dedicated to nurturing future leaders, with a passion for Indian music and cricket.

AMIT

Chief Marketing Officer

Amit holds an MBA in Marketing & IT from IIT Roorkee and has over 12 years of experience in the field of marketing. He is passionate about solving new challenges and is committed to making every assignment a success. Before joining Tezz Capital (Tezzract), Amit gained valuable experience at Bajaj Finance Ltd, Vodafone Idea Ltd, and ShepHertz Technologies Pvt Ltd. His deep understanding of marketing’s unique challenges drives his dedication to empowering businesses through innovative strategies.

Aseem gautam

Chief Risk Officer

25+ years of professional experience within the retail Loan industry. Expertise in Personal/Business, auto loans, two wheelers and LAP policy formulation and implementation, credit scoring, underwriting, new product development and staff training, monitoring, and mentoring. Previous Employment: Chief Risk Officer, SMECORNER. Strong pedigree of working with KapitalTech, Tata Capital, DCB, Standard Chartered Bank

Narinder Dhan

National Collection Head

Narinder is a high potential corporate professional. He brings 20+ years of in-depth knowledge of secured and unsecured collection. Prior to this assignment he was National Collection Manager for Akara Capital Advisors Pvt Ltd ( Stashfin). He has worked with companies like, GE Capital, GE Money, Magma Fincorp, Reliance Money and Utkarsh Small Finance bank handling various roles. He Managed multi-locational operations with a large team of internal and external staff. Narinder is a commerce graduate from Punjab University and PGDBM from Symbiosis, Pune.

Ankit pandey

Head Process Automation

Ankit has over 6 years of experience in Strategic Operations and Automation. Prior to joining Tezz Capital(Tezzract) , Ankit has worked at Tech Mahindra and Aspire. Ankit is BE in Electronics and Communication Engineering by qualification. He is super passionate about Process Optimization in Fintech domain.

Vinay Chintapalli

Chief Strategy Officer

Vinay has over 16 years of experience in strategic initiatives, investment banking, Partnerships & Alliances. He is founding member of team Tezz Capital(Tezzract). Prior to joining Tezz Capital(Tezzract), Vinay was part of KapitalTech where he managed new business & alliances. Before that, Vinay was a core part of the leadership team at the unicorn, OYO. Prior to that he was an investment banker with Edelweiss & PriceWaterhouseCoopers . Vinay is an IIM Calcutta Alumnus.

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