Ajinkya Kulkarni comes with rich experience of working in lending and Financial services for 6+ years. Before starting Wint Wealth, Ajinkya was Vice President and Head of the Merchant lending business at Mswipe. Through Mswipe merchant lending, he enabled credit access to thousands of merchants who otherwise won't get the credit facilities. In a short span of six months from launching, he built a profitable portfolio of ₹ 25 Cr+. Before Mswipe, he was at CreditVidya, leading its marketplace business which enabled low-interest-rate loans for first-time borrowers. Before working at CreditVidya, in 2014, Ajinkya started CreditPeriod.com- an invoice bill discounting platform.Here are the topics we had a conversation on-The following two statements from Ajinkya gives the gist of the value-packed podcast-“Our job is not to convince people that 10% is great, but it is to build great products for people who feel 10% is great”“Great entrepreneurs are not great risk-takers, they are great risk mitigators”