"My Product is My Biggest Achievement"

Under Jaya Vaidhyanathan's leadership, BCT Digital has consistently delivered disruptive fintech, regtech, and cleantech solutions to large organisations across diverse industry verticals

- Tarannum Manjul

Jaya Vaidhyanathan, the CEO of BCT Digital, wears many professional hats. She is one of two external directors on the global board of PwC, a member of their Risk Committee and one of two independent directors on the board of PwC India. Vaidhyanathan also serves as an independent director on the boards of UTI Asset Management Company and IndiGrid and previously served on the board of Altran (Capgemini Engineering).

Vaidhyanathan joined Bahwan CyberTek (BCT) in 2014, kick-starting its fintech initiatives and risk management product portfolio, today known as rt360. She led the team that was the first in India to develop a tech-enabled early warning system (EWS) for detecting potential non-performing assets (NPAs).

The idea for starting the risk management business was born from the huge banking sector NPA crisis in India during 2015-16. As NPAs sharply rose from 4.62 per cent to 7.79 per cent during that period, the trust in the Indian banking system was truly shaken. Vaidhyanathan realised that while the market was inundated by operations and market risk management products, credit risk remained decidedly underserved. She is one of the few fintech CEOs to have chosen one of the most complex problem to tackle using technology.

The Growth Story