Author

Utsav Shah

Co-founder and CEO, Kaaj

Utsav Shah is co-founder and CEO of Kaaj. He spent a decade at Uber and Cruise building AI-powered decision-making systems at scale, and focuses on applying operational rigor, persistent context, and agentic intelligence to lending workflows.

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Articles by Utsav Shah

What Needs to Be in Place Before AI Can Deliver ROI

June 8, 2026 · 8 min read

What Funders Actually Want to See in a Submission Package

May 25, 2026 · 8 min read

The Broker Pre-Submission Checklist for 2026

May 11, 2026 · 9 min read

How AI Can Expand Access to Capital

May 8, 2026 · 6 min read

How underwriting systems will evolve as lending scales

May 8, 2026 · 5 min read

What is Bank Statement Analysis & How to Use It Effectively

May 7, 2026 · 8 min read

Why Small-ticket Equipment Finance Loans Are Broken | Six Predictions for Future

May 7, 2026 · 9 min read

Where Broker-Lender Handoffs Break Before Credit Review

April 13, 2026 · 8 min read

Where Credit Decisions Actually Break

March 30, 2026 · 9 min read

Business Identity Is the First Layer of Credit Confidence

March 2, 2026 · 8 min read

When Bank Statement Patterns Change the Submission Story

February 9, 2026 · 8 min read

The Automation Threshold for $15K-$75K Equipment Deals

January 19, 2026 · 8 min read

Building a Living Funder Matrix with Better Package Intelligence

January 5, 2026 · 9 min read

Kaaj AI-Powered Document Fraud Detection and Bank Statement Tampering

July 07, 2025 · 2 min read

How Kaaj Uses AI to Auto-Rename Loan Files

July 06, 2025 · 5 min read

How Kaaj Uses Generative AI to Classify Loan Documents and Turbo-Charge Underwriting