Manoj Rathi is a co-founder of Aspire Fintech and NBFC, with over 13 years of experience in credit risk, analytics, and business management. He previously served as VP Decision Sciences at Capital Float and as a business manager at Capital One and HSBC, where he specialized in credit risk for retail and SME portfolios. At Aspire, Manoj leads credit strategy, risk management, and digital product development, leveraging his background to design compliant, scalable lending solutions for small businesses.