Our customer is the kirana shopkeeper, the new age entrepreneur, the middle-class parent aiming for a better education for their child, the woman who wants to do business - the everyday people of India whose aspirations might be overlooked by the mainstream financial sector. These everyday people, their dreams and their spending habits will define the future of our country's economy. My job is simple - facilitate their prosperity by giving them the best possible loans.

For me, Retra is like a marathon. It’s not 42-kilometres one time, but 1-kilometre fourty-two times. The efficiency with which we perform and navigate each kilometre helps us push through the next one with ease. I strive to build the best team, full of people who can tell me what to do, and not the other way around. That way all we have to do to achieve our vision is adopt a culture of quality and efficiency while keeping the customer at the center of it all. That is how we ensure each customer has the best experience, every time. Every evening when I leave the office, I ask myself - How did we perform today? Can we aim for a better kilometre tomorrow?

With more than 30 years of experience in the financial and Technology sector, Ramesh is an avid marathoner, a passionate golfer, a budding triathlete and frequent blogger on management thinking

At Retra we help customers make the most profitable decisions for themselves. We use AI and digital processing formats to personalize each loan journey.

While doing so, we guide the customer with information regarding best repayment methods, flexible loan schemes and early warning tips to avoid defaults. I believe prevention is better than cure, and that using a data-driven approach can effortlessly make our customers more financially responsible. This helps them avoid escalation of interest as well as educate those around them on how to borrow better. Decision is a science and we simply apply the science to service the customer.

Subhra has spent many hours tutoring children for their exams in the lower income group who cannot afford after-school tuitions. As a PhD, he also mentors budding data scientists.