# Pankaj Kulshreshtha

> Pankaj Kulshreshtha is the New York-based founder and CEO of Scienaptic AI, established in 2014. An engineering graduate and IIM Bangalore doctoral alumnus, he previously led analytics at Genpact and held credit-risk leadership roles at GE Money UK. His work focuses on applying AI to lending decisions and widening access to credit.

- **Role:** Founder and CEO at Scienaptic AI
- **Organizations:** Scienaptic AI, Genpact, GE Money UK, GECIS Analytics, Larsen & Toubro
- **Education:** Bachelor of Engineering, Visvesvaraya National Institute of Technology, PhD in Quantitative Methods, Indian Institute of Management Bangalore
- **Known for:** Helped scale Genpact’s analytics operation to more than 6,000 people, according to his company biography., Founded Scienaptic AI in 2014., Included in The Financial Technology Report’s Top 25 FinTech AI Executives of 2025.

## Career timeline

- **1991** — Started his career as an engineer at Larsen & Toubro.
- **1997-1998** — Joined GE’s decision-science operation while completing doctoral work, according to his retrospective account.
- **1999** — Doctoral degree awarded by IIM Bangalore.
- **2004** — Moved from leading an analytics team to a GE Money UK risk role.
- **2008** — Returned to Genpact’s analytics business.
- **2014** — Founded Scienaptic.
- **2024** — Scienaptic’s CUSO received equity investments from credit union clients.
- **2026** — Discussed the launch of iCUE, connecting predictive intelligence with conversational and agentic AI.

## Achievements

- Helped scale Genpact’s analytics operation to more than 6,000 people, according to his company biography.
- Founded Scienaptic AI in 2014.
- Included in The Financial Technology Report’s Top 25 FinTech AI Executives of 2025.
- Led Scienaptic as it appeared at number 459 on Deloitte’s 2025 Technology Fast 500, with 144% revenue growth in the ranking period.

## Latest updates

- **2026-10** — Scienaptic announced Department of Commerce Federal Credit Union’s selection of its AI platform on October 5.
- **2026-09** — In Scienaptic’s September 14 ELEVATE announcement, Kulshreshtha emphasized human responsibility for AI outcomes; the company reported 17 CUSO investors.
- **2026-09** — Scienaptic announced Financial Center First Credit Union’s platform go-live on September 1.
- **2025-12** — Published an opinion essay on open banking and data-access costs through Forbes Technology Council.

## Links

- Website: https://www.scienaptic.ai/
- LinkedIn: https://www.linkedin.com/in/pankaj-kulshreshtha-1452441

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Profile page: https://yespress.io/pankaj-kulshreshtha
Published by YesPress — https://yespress.io
Last updated: 2026-10-20