About Early Salary

Who we are?

EarlySalary.com integrates technology & salary advance!

EarlySalary.com is an innovative lending platform that will change the way loans in India are taken. Being a new age online brand, we bring together new credit scoring systems for superior customer profiling; our mobile first strategy will help customers get loans within minutes. The online platform is backed by a strong leadership team that aims to build a new credit scoring platform that combines traditional credit scoring with new social and online scoring technology-linked risk assessment concepts, to deliver a revolutionary new business set to change the lending market in India.

Co-founded by a 2-member team comprising of Akshay Mehrotra and Ashish Goyal, we believe EarlySalary.com will usher in a new way for the financial services business in the country, powered by Social Media & strong Data Analytics.

EarlySalary.com is the first financial product from Social Worth Technologies which was founded in October 2015 and operates in Pune with a team of 30 young professionals who are working towards a solution to cater to your daily financial needs!

What do we do?

We as a population are dominated by a strong middle class & young individuals. There have always been times of the month where we are left with empty pockets. Being broke at the end of the month is a common problem, and EarlySalary.com plans to help provide a small bridge loan to tide over that short difficult period till your salary reaches your account. We recognize how tech-savvy the upcoming generation is. It’s characterized by endeavors to ‘live life king size’. And here we are to join you in the very start of your professional journey. We financially help you live those endeavors; whenever you have any cash crunch and your salary is due in weeks, you think of us! Our mobile application mobile app-based lending platform will help you avail short term loans in a jiffy. The process is simple and transparent.

Our Founders:

Akshay Team Member 2
Akshay Mehrotra CEO Ashish Goyal CFO

AkshayAkshay Mehrotra
Chief Executive Officer at EarlySalary

Armed with a Master’s Degree in Business Administration from Symbiosis Pune, Askhay Mehrotra is now spearheading his own Start-up venture EarlySalary along with two other partners.

EarlySalary is a Fintech Start-Up which uses new age technology for lending funds. The company aims to deliver a revolutionary new business model set to change the lending market in India by introducing ultra short term loans.

Prior to this, Akshay was associated with brands like Future Retail Ltd, PolicyBazaar.com, Big Bazaar and Bajaj Allianz Life Insurance Co. Ltd. An exemplary leader, Akshay brings with him a rich experience of 12 years in strategic planning and marketing. He has been conferred as one of the Most Talented CMO of the year award in 2013 – 2014 in the retail space, by CMO Asia.

As the Chief Executive Officer at EarlySalary, Akshay oversees the implementation of the company’s product strategy and is focused towards building the business and building EarlySalary as a Financial Institution. Akshay has a sharp business mind-set with attention to details. An unwavering passion for customer service, he believes that one of the biggest features and the most significant competitive edge of any company is giving personalized attention to the customers and this is what he and his team strive to achieve.

In his leisure time he likes to go for short trips, exploring new places and spend time with his family.

Team Member 2Ashish Goyal
Chief Financial Officer and Co-Founder at EarlySalary

Co-founder and the Chief Financial Officer of EarlySalary, Ashish leads the company’s finance department. He is an finance professional with over 14 years of experience spanning the entire gamut of finance including business finance, investment, treasury operations, risk management and strategic initiatives.

Ashish is a Chartered Accountant with an All India Ranking of 37 in CA Finals. He has also been conferred as ‘Most Astute Bond Fund Manager’ by Asset Magazine, Singapore in 2011-13.

Prior to starting EarlySalary with Akshay, he was associated with Bajaj Allianz group for 14 years. In his last role with Bajaj Allianz, he was the Chief Investment Officer, was responsible to manage more than 35,000 crores of assets under management.

With his expertise and passion for finance sector, Ashish is all dedicated on bringing a revolution in lending business.

When not actively involved in business, Ashish loves to read books on management & finance and like spending time with family.

We are backed by Ashok Agarwal of Transcorp group.

  • Director at Transcorp International Limited and Founder of Indian Institute of Health Management Research
  • Ashok Agarwal started the first BOT (Build Operate Transfer) road bridge project in Northern India on a unique PPP (Public Private Partnership). He is a Trustee at Johns Hopkins University, Baltimore, USA. He set up the Indian Institute of Health Management Research (now IIHMR University) – the first such institution in Asia. He serves as the Managing Trustee of Bhoruka Charitable Trust, an independent NGO that operates self-empowerment projects in the fields of education, water, sanitation, health and micro finance in over 1500 villages in Rajasthan and South India
  • He serves on the board of several companies in India and Malaysia. He is also involved in the money transfer industry as a principal agent of Western Union and deals is into other businesses including foreign exchange services, insurance, travel and real estate development.

Our Board of Directors

Hemant Team Member 1
Hemant Kaul Akshay Mehrotra
Team Member 2 19
Ashish Goyal Srinath Sridharan
Kartik dhyanesh
Karthik Prabhakar Dhyanesh Shah

About Our Board Of Directors

Hemant Hemant Kaul

Mr. Hemant Kaul brings in rich experience in financial services industry having worked in companies like Bajaj Allianz General Insurance Co Ltd (MD & CEO) and Axis Bank (Executive Director).

As an independent management consultant, Mr. Kaul has worked with private equity firms to evaluate investments in the financial sector and has advised IDFC in their application process for a banking license. He currently serves as a Non Executive Chairman of TCI Finance Ltd and is an Independent Director on the Boards of Cigna TTK Health Insurance Company Ltd, Ashiana Housing Ltd.

Srinath Sridharan Srinath Sridharan

Mr. Srinath Sridharan Member – Group Management Council (GMC)
Wadhawan Global Capital Pvt Ltd

Strategic counsel for over two decades with leading corporates across diverse sectors including automobile, e-commerce, advertising, realty and financial services. Key expertise as a custodian of business relationships, with a keen understanding of market dynamics and consumer trends required for business expansion and new forays.
The past 10+ years that he has spent with Wadhawan Global Capital encompasses rich executive leadership roles. In his current role, he is a member of the Group Management Council (GMC), which strives towards enhancing business excellence and stakeholder value creation.

Kartik2 Karthik Prabhakar

Karthik Prabhakar is Director and Head of Fundraising, at IDG Ventures India Advisors. He has been part of the Indian tech ecosystem since 2005 with experience spanning engineering, rapid prototyping, marketing, fundraising, investment advisory and portfolio management. Karthik was an active part of the team advising on the exit from investment in Manthan Systems.

In 2016, Karthik was recognized as one among the global top 100 Rising Stars in the venture industry by Global Corporate Venturing, held in California, US.

Prior to IDG Ventures, Karthik worked with Intel in their Ideas to Reality team, a technology incubator focused on building IoT products around the Intel Atom processor. As a tech marketing person, he played a key role in rapid prototyping, conceptualizing field trial plans and creating Go-To-Market strategies for new products ideas around retail, digital advertising and video surveillance. Karthik was also actively involved in recruiting and mentoring new members for the group. Prior to that, he worked in the embedded systems team building security software for network processors. Karthik, in spare part time, worked on developing innovative IoT/embedded solutions and has co-authored a patent in the area of Wireless Networks.

Karthik holds a Bachelors degree in Information Science from RV College of Engineering and an MBA (PGDM) from IIM Bangalore.

dhyanesh Dhyanesh Shah
Dhyanesh is an Eight Roads Ventures (the proprietary investment arm of Fidelity International Limited) director at EarlySalary and brings in experience across private equity, management consulting and fintech. At Eight Roads, he leads investments in financial services and fintech. Previously, Dhyanesh was a management consultant at McKinsey & Company, where he was counsel to several large BFSI companies across India and South-East Asia. In the early part of his career, Dhyanesh was a software consultant with Oracle Financial Services where he was part of the team working on Oracle’s core banking platform.
Dhyanesh holds an MBA from the Indian Institute of Management (Ahmedabad) and a Bachelors degree in Engineering from the University of Mumbai. Outside of work, he is an avid long-distance runner and enjoys traveling.

Our Senior Management

Vimal Saboo-Chief Business Officer
Vimal Saboo is a Chartered Accountant and comes with an experience of 18 years in banking & credit domain. At EarlySalary.com, he will focus in building Credit Risk Profiling System and spearhead Credit Risk, Underwriting & Operations.EarlySalary today boasts of 10 minutes underwriting and is planning to build Real-Time Credit Approval Engines and Loan Approval Systems. His exposure to such business in the past will be a big boost to the business.

Prior to joining EarlySalary.com, Vimal was associated with Edelweiss Capital as the Business Head, Axis Bank as the Vice President & Head-Analytics, ICICI Bank as the Chief Manager, and L&T-John Deere Ltd. in its Finance & Accounts team. With Axis Bank, he was liable for entire credit decisioning, formulating policies relating to credit card sourcing, authorization center and analytics function for the cards team. While at ICICI Bank, he was exposed to all functions of credit card operations right from card embossing and dispatch to account maintenance to merchant set-up and payment.

Team Member 3
Vivek Jain-Chief Techinal Officer
Vivek is an industry veteran with close to two decade of experience. Prior to joining EarlySalary, he was the Principal Architect at Infosys and lead core Banking and Financial Services automation and technology development and implementation. He has also worked with organizations like Dubai Customs as Enterprise Architect and Franklin Templeton Investments in the past.

At EarlySalary, Vivek will spearhead the technological prospects for the company. He will be responsible for building real-time automation in underwriting, decision systems & payments layer. His overall experience includes – software design, development and project leadership in building high performance, scalable software products and platforms in cluster/distributed computing, database and m-commerce domain.