Gaurav, Lucas and Krishnan had been contemplating to start up for long and had been toying with various ideas. Gaurav had extensively spent time in credit assessment, Krishnan had a legacy of building technology products and Lucas was deeply involved in tech sales, research and analytics. An amalgam of the skill set and experience encouraged the founding team to delve into SME lending space which required a deep understanding of credit and presented a massive opportunity for tech-enablement. The result was founding of Opendoors Fintech in 2014.