Kaaj raises $3.8M in seed funding to power the future of small business lending 🎉 Read more
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About Us

Founded by Experts in AI and Credit Risk

Kaaj is the AI-powered credit intelligence platform that cuts down approval time from weeks to minutes. Have a look at our team

Kaaj was founded in 2024 by Utsav Shah and Shivi Sharma – a dynamic team with deep experience in AI systems and financial services. 

Utsav Shah, Co-founder & CEO –  Formerly at Uber and Cruise, Utsav built large-scale AI decision systems

Shivi Sharma, Co-founder & President – A credit and fraud risk expert with experience at major Fortune 500 companies including American Express, Uber, and Varo Bank, Shivi has spent her career improving lending and fraud risk strategies.

Together, they launched Kaaj to solve one of finance’s most persistent problems: making small business lending scalable and accessible without sacrificing speed or trust.

 

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Kaaj is built by founders with deep fintech, credit and fraud risk, and AI experience across unicorn startups and Fortune 500 companies like Uber, American Express, Varo, and Cruise.

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Utsav and Shivi have solved complex data challenges, streamlined tons of processes in credit and fraud risk, and developed data-driven products used by millions of users.

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