Chinmay Kulkarni

Learning: As a founder, you learn not to fear mistakes. However, honing the business for operational excellence teaches you to listen more and assume less. Ive learnt that as long as we are focused on the best possible experience for our customer, the losses or credits wont matter in the long run.

Lessons: Long term customer centricity comes at a cost - that of your ego to begin with, short term profits and a happy-family culture. However in the long run it creates a lasting impact with significant upside and very little downside. Trust earned and kept is what we aspire to do. We dont always succeed, but we learn from every mistake and try harder to earn it from our customers, partners and my team.

Wealth Management: The Human Brain is interesting: Emotions that make us tick in real life are the ones that cause Investment pain. At Cambridge Wealth we build technology that brings rationality in Investment Behaviour and Guides you to the next best step. Our Research Team focuses on Outperforming Investments and resilient Strategies. As a Co-Founder, I build Systems, create Winning Teams and manage Finance at Cambridge Wealth. I also drive Research and lead Investment Strategy.

Journey: In 2005, Just out of Design School I started as a Researcher, morphing into an Entrepreneurial stint that was hived into a larger Tech company - I joined it in a Product role. By 2010, I moved into core Financial Services, building out Financial Technologies and later Products for some of the most successful Banks Globally. Since 2014 I built high performing teams, managed P&L in multiple Markets and worked with the C-suite to drive Innovation and Transformation. In 2017 I Morphed into an Investor role co-founding a Venture Investment Company, and then a WealthTech Co. In this time:

* We have beaten Nifty performance for 9 of 12 years * Won the Webby Awards for a Fintech Product built for the world's largest Insurer * Founded and exited a Startup * Managed a USD 40mn+ P&L * Designed & Built 4 Core Banking Products * Achieved Financial Independence in my early 30s * Invested in over 8 Startups with 3 Exits

Life: Outside of Business, I am a Vitner and an Urban Farmer - I love steeping Indian Fruit Wines. On the farming side, we run some Organic Terrace Farms in Pune, the produce of which is happily shared with those who need it the most. I love the outdoors, and weekends find me in Nature.