About us
About Us
AGAM
AGAM is set out to revolutionise traditional lending systems in emerging markets and make financial inclusion he next billon a reality. AGAM is shifting the narrative of banking based on collateral to banking based on character. Our intelligent system enables us to understand customers, helping them to become creditworthy for the banks.
More Informed lending decisions
Faster customers acquisition
More engaged account holders with hyperpersonalised banking
Lower NPLs
Our system offers white-labeled platforms for banks to offer digital bank in the form of BaaS
Founding Members
Shabnam Wazed
CEO & Founder
An award-winning entrepreneur with a mission to revolutionize lending layering behavioral insights and AI. Founder and CEO of AGAM.Ai, a UK based Fintech that provides an intelligent and never-seen-before loan underwriting system for banks and financial institutions to assess the credit worthiness of its customers fast and accurately.
Experienced in stakeholder management focused on global retail supply chain, legal and CSR consultancy, compliance and corporate governance.
Worked for Geosansar as the Country head and initiated the launch of financial literacy training programme for the first time in Bangladesh. With expertise in qualitative and quantitative research with stakeholder management, retail supply chain, and CSR consultancy.
Nish Kotecha
Chairman
Mr. Nish Kotecha is a serial entrepreneur specializing in technology, fintech and social enterprises. Co-founder and Chair of Finboot (Cardiff, London, Barcelona), a blockchain technology company. Previously, he founded Geosansar, a fintech pioneer in India to provide financial inclusion to the unbanked.
He started his career as an Investment Banker at Lehman Brothers, JP Morgan, Barclays (BZW) and founded an advisory boutique, Sphere Partners.
He is the Deputy Chairman of the London Chamber of Commerce, Microfinance Club (UK) and Accion (Washington).
Rohit Sankhe
CTO
Mr. Rohit Sankhe is an experienced, energetic and innovative tech
entrepreneur. He is apt in true digital transformation and platform modernization using data analytics, machine learning, cloud technology, devops and hybrid solutions, across industries. As a tech entrepreneur he has strong professional skills in business strategy, management, growth, business development and tech evaluation of startups.
He is the Co-Founder and Director of NeoQuant, focused on BI, machine learning, BigData & analytics. Expertise in all types of digital transformation and platform modernization.
Board Members
David Blake
Independent Director
Mr. David Blake is a technology investor covering seed-to growth opportunities for a renowned UK venture capital fund. He is an avid believer in constant development and the use of technology to improve work processes. Having completed an MSc in Computing he is uniquely positioned with a deep understanding of tech to finance. David also led the 1st venture capital investment into AGAM for his previous fund.
Ashish Patel
Independent Director
Mr. Ashish Patel is an impact investor. His 25-year professional career has spanned technology investment and business development. A skilled problem- solver, capable of generating viable solutions utilizing significant success achieved through AVG Technologies, Intel Corporation and significant international experience. Currently, he is a partner at Aavishkaar
Sharon Hanshaw
Representative Director
As a representative of the Wales Development Bank, she brings over 25 years of extensive accounting experience from both practice and industry. She is known for her reliability, consistently delivering results with a high level of personal integrity.
Employees of AGAM
Shabnam Nida Wazed
Founder & CEO
An award-winning entrepreneur with a mission to revolutionize lending layering behavioral insights and AI. Founder and CEO of AGAM.Ai, a UK based Fintech that provides an intelligent and never-seen-before loan underwriting system for banks and financial institutions to assess the credit worthiness of its customers fast and accurately.
Experienced in stakeholder management focused on global retail supply chain, legal and CSR consultancy, compliance and corporate governance.
Worked for Geosansar as the Country head and initiated the launch of financial literacy training programme for the first time in Bangladesh. With expertise in qualitative and quantitative research with stakeholder management, retail supply chain, and CSR consultancy.
Masudur Rahman
Advisor
Masudur Rahman, is a Security Printing, ITES, Banking & Telecommunication Consultant, He is the Advisor of AGAM and Director (Corporate Sales) of CNS Ltd. Previously, he held Commercial Advisor position at an European Consulate. Masudur received a Diploma in Business Management from BTEB, Bangladesh
Sayaqua Moslem
Senior Vice President (Operations)
With over 15 years in the financial services industry, she has a diverse experience across sectors including Asset Management, Non-Bank Financial Institutions, Credit Rating Agencies, and Data Analytics. Significant roles include Chief Rating Officer at BDRAL and Relationship Lead at Dun & Bradstreet Bangladesh.
Her expertise encompasses operations, stakeholder management, strategic planning, credit risk management, and loan portfolio management. She holds a BBA and an MBA in Finance, and is a CFA Level II candidate, demonstrating her commitment to ongoing professional development.
In 2020, she prepared two impact notes on the economic impacts of COVID-19, published by the International Labor Organization and the American Chamber of Commerce. She has also represented her organizations at various conferences and webinars, enhancing her public speaking and stakeholder engagement skills in the financial services sector
Tapos Chandro Das
Relationship Manager
He has over 8 years of working experience in Operations, Product, Project development, Project Management, Distribution, Business Development, Sales, B2B2C, Corporate Support, General Administration, Customer Relation Management and Logistics Support sectors. He has Completed his MBA in Operations and Supply Chain Management as well as BSc in EEE from American International University Bangladesh
Md. Atikul Haque
Business Development Manager
With over 18 years of experience in marketing, sales, customer service, and management, I hold an MBA and BBA in International Marketing from Rajshahi University. I am passionate about driving growth and enhancing customer experiences through strategic initiatives
Habiba Momtaj Sonia
Assistant Manager (Operations)
A results-oriented business development and product management professional with over 9 years of experience, including more than 7 years at Global Brand Private Limited (GBPL), a renowned IT company. Skilled in driving business growth and managing products, she is now seeking opportunities in Business Development or Product Management roles. She aims to leverage her expertise to contribute to a company’s success while continuing to enhance her knowledge and professional growth.
Nasir Ahmed Bhuiyan
Senior Executive (Operations)
With over 7 years of experience in Data Analysis, Issue Resolution, and Customer Relationship Management, he holds a BSc in Electrical & Electronic Engineering from the American International University Bangladesh. Previously, he worked at E-valy.com Ltd., focusing on refund processes, payment and refund reconciliation, and reporting. His skills include expertise in Excel, Power BI, and project management.
Munsi Barkatullah
Activation & Customer Support
A versatile professional with expertise in administration management, customer support, call center operations, outbound sales, and business development, dedicated to delivering exceptional customer experiences and driving organizational growth.
Team in India
Smriti Parwani
Project Lead
An IT engineer graduated from Mumbai University, began her career as a software developer and later transitioned to a QA lead. She is currently serving as a Project Lead, responsible for overseeing the planning, implementation, and monitoring of projects. She is dedicated to achieving project goals and objectives while adhering to budget and timeline constraints. She manages multiple projects by communicating with stakeholders about progress, effectively resolving issues and challenges, and guiding the successful completion of each project’s deliverables.
Jatin Kambli
Senior Full Stack .NET Developer
He has expertise in developing cross platform, microservice, implementation and providing strong backend solutioning for applications. Experienced in developing Web Apps, SPAs & APIs for Mobile Apps.
Devidas Wadavale
Junior Full Stack .NET Developer
He is a passionate and experienced Full Stack Developer highly skilled in building robust and scalable web applications using the .NET framework. He has hands-on experience with Entity Framework, RESTful APIs, and database management in SQL Server and PostgreSQL. Proficient in front-end technologies like Angular and Bootstrap, He seamlessly works across the full stack to deliver high-performance and secure solutions. He completed a Bachelor’s in IT from Mumbai University.
Snehal Ovhal
Senior Frontend & Flutter Developer
She has experience in developing native android, iOS, responsive web and cross-platform applications which includes analysis of the requirement, designing, developing and providing feasible solutions, testing & deploying the application. She holds an MCA from Mumbai University.
Priyanka Ghugare
UI UX Designer (Mobile Application)
She is responsible for creating user-centered designs for digital products, such as websites, mobile apps, and software interfaces. Her primary focus is on enhancing user satisfaction and usability by improving the accessibility, efficiency, and aesthetics of the product.
She contributes to the product development process by understanding user needs, defining user flows, creating wireframes and prototypes, designing intuitive interfaces, conducting usability testing, and iterating on designs based on user feedback.
Deepak Verma
Business Analyst
Skilled Business Analyst with expertise in data analysis, process improvement, and project management. He excels in identifying business needs and translating data into actionable insights. Known for collaborating with cross-functional teams, He designs efficient processes that enhance productivity and proficient in analytical tools, they produce detailed reports for informed decision-making. Committed to continuous improvement and industry trends and driven by a passion for problem-solving and delivering impactful results.
Sagar Ade
Full Stack .NET Developer
A highly skilled .NET Full Stack Developer with expertise in building dynamic web applications using ASP.NET Core, C#, and Angular. Proficient in backend development with Entity Framework and SQL Server, as well as frontend technologies like HTML, CSS, and JavaScript. Experienced in API integration, database management., and delivering scalable, efficient solutions.
Dravil Rathod
Software Tester
QA Engineer with 3 years of experience in both automation and manual testing. Skilled in designing and executing automated test scripts using Selenium, TestNG, and Appium, with expertise in Java. Adept at manual testing of functional, regression, and user acceptance test cases, ensuring meticulous attention to detail. Experienced in Agile environments, working closely with developers to integrate automated testing into CI/CD pipelines. Proven track record in reducing testing time and improving test coverage. Committed to delivering high-quality software by leveraging the strengths of both manual and automated testing.
Lawson Borges
Senior Full Stack .NET Developer
Lawson Borges is an expert in developing cross-platform solutions, microservices, and providing robust backend architectures. He specializes in optimizing code for enhanced performance and user experience. With extensive experience in building web applications, single-page applications (SPAs), and APIs for mobile apps, Lawson ensures efficient, scalable, and secure solutions that deliver seamless user experiences across platforms.
Kalpesh Sathe
Senior Frontend & Flutter Developer
Kalpesh Sathe is an experienced mobile application developer with over 5 years of expertise, primarily focusing on Android, iOS, and responsive web applications. He is highly skilled in understanding and resolving requirements, delivering reliable solutions with precision. His ability to ensure excellent quality in his work allows him to handle complex tasks with ease. His dedication to providing high-quality results has earned him a reputation for delivering top-notch mobile solutions.
How we handle your data
AGAM expressly ask consents from customer to share their SMS alarms, location and camera. This is to ensure onboard and prevent fraud. AGAM’s assessments are made to check reliability of borrowers in view of advanced impressions to help credit-barred likely borrowers to approach finance through by our partner financial institutions.
Customer information or exchange information doesn’t leave their device. Neither AGAM nor partner bank can see any exchange SMS or relevant data of loan applicants. Our system decipers information using AI and translates then into our scorecard for loan eligibility.