The New Architecture of Housing Finance

Q1. Could you start by giving us a brief overview of your professional background, particularly focusing on your expertise in the industry?

I started my career in banking, focused on credit and secured lending, and after spending 2.5 decades, I gained deep exposure to underwriting, risk frameworks, and structured mortgage loan products. That institutional foundation helped me understand how capital is allocated and where inefficiencies exist. I left banking to build Zoop Money with a clear thesis. The home loan ecosystem, particularly in under-construction real estate, lacks standardized risk visibility and digital infrastructure. Most players are operating on fragmented data and manual processes.
At Zoop, we are building a B2B2C infrastructure layer at the point of sale, digitizing project due diligence (APF), enabling multi-lender underwriting, and creating a scalable distribution architecture for secured lending. Our focus isn’t just lead generation, it’s risk intelligence and infrastructure. Long term, we see this evolving into a tokenized risk access layer that allows lenders to underwrite approved real estate exposure more efficiently.
In short, I combine banking depth with fintech execution, building a regulated lending infrastructure designed for scale, not just marketplace aggregation.

Q2. What is the most important structural change underway in India’s …