Vaibhav is the Founder & CEO of two fintech startups. His expertise ranges from PayDay loans, SME lending, NeoBank & HRMS. He is currently focusing on relaunching mudracircle.com as a NeoBank. He is also part of country's largest payday loans company CashBean as an independent director & advisor.He is a strategic fintech & banking leader with 22 yrs with proven capabilities setting up businesses from scratch. He had also worked with ICICI Bank for more than a decade before embarking on his entrepreneurship journey.