Sid is currently the Head of Credit at PayU. He is responsible for leading PayU’s global credit strategy which is built on three pillars: in-house developments, partnerships and acquisitions and investments. Sid leads PayU in developing innovative credit services to support consumers and SMBs, using market-leading technology to open access to credit in underserved regions across the world. Sid also serves as a Board Member for PaySense. Prior to his role with PayU, Sid held various roles at Lending Club, most recently as their Chief Investment Officer. At Lending Club, he was also responsible for overseeing the small business loan segment including product development, credit policy, underwriting, sales and operations. Before this, he was a Senior Vice President at Capital One Bank and Head of Small Business Lending. He has extensive experience in developing data-driven strategies for risk management, customer acquisition, and product development across Consumer and SMB segments.