Shivi Sharma is co-founder and President of Kaaj. She has spent over a decade in credit and fraud risk strategy, working across banking, payments, and marketplace operations at American Express, Varo Bank, and Uber, where she built and led programs that had to balance growth with real regulatory and fraud exposure. That experience gave her a close view of how much high-stakes credit judgment happens outside the system of record, decided in a reviewer's head or buried in a chat thread rather than captured anywhere structured. Kaaj was built to close that gap, turning underwriting judgment into something structured, visible, and reusable across every deal, so lenders can scale without losing the reasoning behind their best decisions.