---
title: "Rishu Garg - Co-founder & CEO in Bengaluru | Tal"
description: "Meet Rishu Garg, Founder | 1st PM - Groww | YC Dropout | Exited to Google | BITS Pilani based in Bengaluru. AI stack includes anthropic apis, claude code, and codex."
image: "https://tal.club/meet/rishu-1/share-image"
---

# Rishu Garg on Tal

## Headline

Founder \| 1st PM \- Groww \| YC Dropout \| Exited to Google \| BITS Pilani

## About

When you’re paying from your pocket to buy your dream home, why should you pay higher interest rates, chase agents to get your loan approved, or wait forever for the funds to reach the builder? At Credit Dharma, we’re changing the home loan process in India\. We’re helping you • get the loan faster • avail lower interest rates • protect yourself from loan fraud and mistakes Hey, I'm Rishu 👋 I grew up in Jaipur, a tier\-2 city in Rajasthan, surrounded by traditional Marwari businesspeople\. From them, I learned the art of business\. Then I went to BITS\-Pilani, where I spent the 4 most golden years of my life that taught me resilience, grit, a never\-die\-attitude and out\-of\-the\-box thinking\. I worked at some fantastic startups like Swiggy, Tapzo, and Urban Company\. Then, I co\-founded India's first and cheapest UPI\-based POS solution for offline merchants, which was later acquired by Google\. After that, I joined Groww as the first product manager and built the fastest and the most delightful user onboarding experience \(KYC\) in the country\. My love for creating elegant things that solve problems and delight people brought me back to entrepreneurship\. Now, I’m building Credit Dharma with my amazing co\-founder Akul to solve housing finance problems for the next one million Indians 🏠 If you’re keen to be a part of this mission, hit me up\. 𝐀𝐥𝐬𝐨, 𝐢𝐟 𝐲𝐨𝐮’𝐫𝐞 𝐥𝐨𝐨𝐤𝐢𝐧𝐠 𝐟𝐨𝐫 𝐚 𝐡𝐨𝐦𝐞 𝐥𝐨𝐚𝐧 𝐰𝐢𝐭𝐡 𝐭𝐡𝐞 𝐛𝐞𝐬𝐭 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭 𝐫𝐚𝐭𝐞𝐬, 𝐜𝐡𝐞𝐜𝐤 𝐨𝐮𝐭 𝐰𝐰𝐰\.𝐜𝐫𝐞𝐝𝐢𝐭𝐝𝐡𝐚𝐫𝐦𝐚\.𝐢𝐧

## Location

Bengaluru

## AI stack

anthropic apis

claude code

codex

deepmind

elevenlabs

geminicli

## Work experience

Co\-founder & CEO at Credit Dharma, Feb 2021 \- Present · 5 yrs 9 mos, Bengaluru, Pivoted from Threedots, a social investment and trading app with over 1 million users\. Dropped out of Y Combinator and Raised Couple of million dollars from Tier 1 Venture Capital and Marque angel Investors\.

Product at Groww, India, Apr 2018 \- Dec 2020 · 2 yrs 9 mos, Bengaluru Area, India, Product Guy @1 of Groww, Have seen a journey of \(1k \-\-\-> 1 million investors\)\. I used to manage the overall app user experience in Groww & built the fastest and the most delightful user onboarding experience \(KYC\) in the country\.

Product Manager at Tapzo \(Acquired by Amazon\), Jun 2017 \- Nov 2017 · 6 mos, Bengaluru Area, India, Tapzo is a personalized transactions platform acquired by amazon, India's first Super app \(with 5M\+ downloads\)\. Tapzo has partnered with Uber, Ola, Zomato, Swiggy, Nearbuy, and others to power the platform\. Single\-handedly Managed Recharges, Bill Payments, Home Services, and Food Delivery Categories

Co\-Founder at Payment Startup \(Acquired by Google\), 2017 \- 2018 · 1 yr, Bengaluru Area, India, I was one of the three founding member, where we built India's first and cheapest UPI based POS solution for offline merchants and later it got acquired by Google

Strategy at Swiggy, Jul 2016 \- Jun 2017 · 1 yr, Bengaluru Area, India, Independently led multiple projects cutting across operations, business strategy, and marketing; nominated to work alongside the Leadership based out of the HQ in Bangalore

## Education

W21 \- Dropout, Y Combinator

Birla Institute of Technology and Science, Pilani

[View the original profile](https://tal.club/meet/rishu-1)

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