Sanjib Kalita is Co-Founder and CEO of Guppy, the next generation credit bureau built on blockchain technology. Guppy's groundbreaking platform, powered by cryptographic tokens, delivers transparency, control and revenues to banks, account providers and consumers in a radical, new credit data marketplace. Prior to Guppy, Sanjib was Chief Marketing Officer of Money20/20, a business he helped grow in 3 years from startup to the world's leading industry event. A fintech leader for over 15 years, he has worked for large organizations like Google, Intel and Citi as well as several successful startups including TxVia, a payment platform building technology company acquired by Google in 2012, Irynsoft, a Kauffman Foundation supported mobile education technology company highlighted in 'Best of 2010' lists by Time and Fast Company magazines. He is also an advisor to multiple startups including, MPOWER Financing, an alternative lender targeting international students, and Impact Analytics which provides advanced analytics and data services for the retail industry. Sanjib has an M.B.A. from the Kellogg School of Management, as well as a B.S. and M.Eng. from Cornell University where he majored in Electrical Engineering.