Shivi Sharma in

Shivi Sharma

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Co-Founder & President at Kaaj
📍 San Francisco, California, United States

Shivi is the Co-Founder and President of Kaaj, an AI-powered platform simplifying small business lending. Her expertise is in building data-driven credit and fraud risk strategies, honed through roles at Varo Bank, Uber, and American Express. Described as dedicated and detail-oriented, she is a graduate of the University of Delhi.

Shivi is highly engaged in the entrepreneurship and fintech communities, participating in founder cohorts like the Center for Accelerating Financial Equity (CAFE). She is passionate about leveraging technology to solve complex financial challenges and increase access to capital, a mission inspired by her fathers experience as a small business owner.

She recently presented Kaajs innovative technology to hundreds of banking leaders on stage at FinovateFall 2025.

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Experience
9 Years
Current Role
Co-Founder & President
Job Level
Leadership
Location
San Francisco, California, United States
Personality Overview

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Communication Style
Decision Approach
Work Preference

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Priorities

Topics Shivi cares about

Small Business Lending
Founded Kaaj with the mission to help lenders profitably serve small businesses by making underwriting faster and more transparent.
AI in Underwriting
Her company, Kaaj, uses AI agents to analyze complex and unstructured data from loan applications, delivering risk assessments in minutes.
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Career

Work history

8-2024
Co-Founder & President
Kaaj
5-2022 - 8-2024
Fraud Analytics
Varo Bank
4-2024 - 4-2024
Member
On Deck
1-2021 - 5-2022
Decision Scientist II - Payments
Uber
2-2020 - 1-2021
Business Financing and Supplier Payments Risk
American Express
In the press

Media appearances

Shivi Sharma - Kaaj AI | FinovateFall Speaker. Featured in Informa Connect
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Shivi Sharma - Kaaj.ai Author Page. Featured in Kaaj.ai Blog
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Education
NSIT
University of Delhi
Master of Business Administration - MBA (Not completed)
University of California, Berkeley, Haas School of Business
Social presence
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Behavioral profile

DISC profile (public)

DISC behavioral profile

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