EP 317 - Ritwik Ghosh and Sauvik Datta - SeedFlex - Bridging the Gap: Redefining Credit for Asia's Micro Entrepreneurs The Asia Tech Podcast was joined by the co-founders of ⁠SeedFlex⁠, ⁠Ritwik Ghosh⁠ and ⁠Sauvik Datta⁠. Ritwik Ghosh's extensive background in consumer and SME credit, first with Capital One Bank and then with Oliver Wyman, ingrained a deep understanding of credit systems in him, which he further enriched by spearheading Grab's fintech lending division. Sauvik Datta's career spans over two decades in financial services, marked by significant roles at McKinsey, American Express, and Standard Chartered Bank, before his entrepreneurial venture with Validus Capital. His specialization in risk management, credit scoring, and the application of machine learning models for customer underwriting has positioned him at the forefront of financial innovation.