Pankaj Kulshreshtha
CEO & Founder Scienaptic
Pankaj has over 30 years of analytics, risk management, and financial services experience. He served as the Chief Risk Officer for consumer businesses at GE Money UK. Back in the day when data analytics was still a bleeding-edge problem, he was one of the first few people that started the Analytics CoE for GE in 1998. That section of the business grew to become the world’s largest analytics CoE under his leadership, generating over $240 Million of annual revenues.
Pankaj has been a regular speaker at various global events on innovations shaping the risk and fintech landscape. He founded Scienaptic in 2014, based on these very innovations. Through innovative AI tools, Scienaptic is tackling the problem of credit expansion across the globe. More than 150 financial institutions across banks, credit unions, fintech, and other lenders use its platform to constantly improve the quality of underwriting and customer lifecycle decisions. This enables them to say ‘yes’ to borrowers more often and faster.
2026 Agenda Sessions
How can Credit Unions win the innovation race?
Member-first. Tech-forward. Collaborative. Credit unions are surprising the industry with their digital transformation strategies, and fintech partnerships.
Hear from CU leaders pushing innovation in lending, personalization, and digital access.
Takeaways:
• See what makes CUs agile despite regulatory constraints.
• Learn how member data is driving smarter lending experiences.
• Hear real use cases of fintech partnerships in action
Monday 30 March 15:30 - 16:10 Lending
Data & Personalization
Partnerships & Ecosystem Play
UX & Customer Experience
Hear from CU leaders pushing innovation in lending, personalization, and digital access.
Takeaways:
• See what makes CUs agile despite regulatory constraints.
• Learn how member data is driving smarter lending experiences.
• Hear real use cases of fintech partnerships in action Lending US/Pacific
