Kaustubh Joshi

Doer
DISC Type : ds

Chief Business Officer at iBusiness Funding

New York, New York, United States

Overview

Kaustubh Joshi is the Chief Business Officer for iBusiness Funding, the SMB division of Ready Cap. He is a P&L owner and product leader with deep expertise in go-to-market strategy for SMB financing, payments, and technology. His background includes roles at Goldman Sachs and McKinsey, and he holds an MBA from UC Berkeleys Haas School of Business.

There is no publicly available information about his personal life or interests outside of his professional career.

He built the embedded B2B lending-as-a-service business from the ground up at Goldman Sachs, launching major partnerships with Amazon, Walmart, and General Motors.

Personality Overview

Long-term Focused

Strategic Planner

Results Focused

They are very professional in their approach and can weigh multiple perspectives together.  They exhibit a rare combination of being result-oriented but patient at the same time. Reading between the lines and seeing beyond your words comes naturally to them.

Topics They Care About

AI in Lending
Advocates for using agentic AI to handle the complexity of small business lending and emphasizes the importance of compliance frameworks for secure AI adoption in banking.
SMB Technology
Leads a top SMB financing technology provider and actively announces new product launches and partnerships, such as the recent collaboration with Intuit Quickbooks.
Embedded Finance
Has a strong track record of building and leading embedded finance businesses, including creating the offering for Funding Circle US and launching embedded products at Goldman Sachs.

Media Appearances

Kaustubh has no verified media appearances

Work History

8-2024
Chief Business Officer at iBusiness Funding
1-2024
Chief Business Officer at Funding Circle US
10-2023 - 12-2023
Head of Partnerships and Embedded Financing Business at Funding Circle US
5-2019 - 9-2023
GM and Head of Product, Merchant Financing and Payments at Goldman Sachs
6-2018 - 4-2019
Head of New Product Strategy at Goldman Sachs

Education

Master of Business Administration - MBA from University of California, Berkeley, Haas School of Business
2009 - 2011
MBA from University of California, Berkeley, Haas School of Business

More Information

Social Presence :

Prographics :

Exp : 16 Location : New York, New York, United States Job Level : Leadership Designation : Chief Business Officer at iBusiness Funding
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Insights For Selling To Kaustubh

During A Call Or A Meeting

DO's

  • Use phrases like 'your team deserves', 'best in class' etc.
  • Ask them at the end if they see a strong value prop in your product; expect an honest answer
  • Come across as a trustworthy professional and be respectful, they usually know their game

DONT's

  • Don't get into pricing discussions early on, steer conversation towards proven results
  • Don't go over them unless you are left with no other option
  • Don't shy away from asking hard questions, but be extra polite

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Kaustubh is

  • Strong proof of impact and their conviction will matter the most, but they wouldn't want to act unilaterally either
  • Will you ever get a clear answer from Kaustubh

  • They will say no if they are not convinced but you will have to prompt them.

Insights For Deal Planning

    How fast (or slow) will Kaustubh move?

  • They will want to understand things well but can move fast once they have a clear picture.
  • Can Kaustubh take some risk or not?

  • They have good risk tolerance but are likely to think it through once or twice.

You And Kaustubh

Personality Compatibility


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