Description : A chartered accountant by qualification, Harsh has over 18 years of experience in financial services and consultancy. Before quitting to start Apnaloan.com he was instrumental in starting the retail lending business from scratch at ICICI and was the Business Head for the PFS Division (as the retail lending business is known in ICICI). He has a strong taxation background was also part of the ICICI team that set up the equipment leasing business from scratch. In an earlier entrepreneurial stint he set up a boutique investment banking firm and a specialized executive search firm. He is acknowledged as a retail-lending expert with several of India's leading publications (Hindustan Times, Deccan Chronicle, and The Indian Express) hosting a weekly column written by him.