Katha

This quarter I'm working on a new credit score for lending in India. It's a project inside a public fintech company I've worked with part-time since April 2026, along with Shalaj. The working name is Katha, Hindi for story.

The idea is to read a person's credit history in order, the way it happened, instead of as a pile of totals. Two people can have the same number of missed payments. For one, the misses are behind them and they're recovering. For the other, they're spreading and getting worse. Count them and both look the same. Read them in order and they're two different stories.

The vision: a score that reads people better, so lenders can say yes to more of them at the same risk, most of all to people with thin credit files. A score apart from the current CIBIL and Experian score.