Ravi Sattuluri is the SVP of Credit Risk at Scratchpay and manages all aspects of lending - credit risk, fraud, servicing, and capital. Ravi has extensive experience in customer acquisition, credit risk, and business analytics. He previously worked at Capital One where he held key roles across the entire credit card customer lifecycle. Most recently, he was the General Manager of Lending at Payoff where he was able to grow the portfolio by 10X while maintaining best in industry charge-off and fraud-loss rates.

Ravi holds a M. S. in Nuclear Engineering from Purdue University and a bachelors in Mechanical Engineering from Bombay University.