Bindesh Pandey

Speaker Bio

Bindesh leads International Business at FinBox, the credit infrastructure platform that powers digital lending for some of the largest banks, NBFCs and embedded-finance players across Asia and the emerging world. With 20+ years across BFSI, fintech and lending automation, he has been witness to, and often part of, digital transformation across different eras. He's particularly passionate about transformation in credit space, having closely seen the evolution from monolithic era to the platform & point solution debates. Bindesh is a vocal advocate of composable, embedded, and AI-led transformation in credit space.

At FinBox, Bindesh works with banks and fintechs to deploy embedded lending journeys, alternate-data credit decisioning and AI-powered underwriting at scale. He is particularly focused on how mobile-first economies across Africa, the Middle East and Southeast Asia are leapfrogging legacy lending paradigms to build the next generation of digital credit infrastructure.