OkCredit Founder & CEO Harsh Pokharna

Harsh Pokharna is the Founder and CEO of OkCredit. A YCombinator-backed organization, OkCredit is a digital ledger app for small and medium-sized businesses that facilitates the recording of transactions. OkCredit is available in over 10 local languages and has over 10 million downloads. Our guest did his B.Tech from IIT Kanpur in Mechanical Engineering in 2014. In this incredible episode, Harsh shares his journey of starting OkCredit and addressing the need for credit recovery and reconciliation in MSMEs. He discusses the impact of YCombinator on the business and how they are approaching digital lending in a competitive market. Harsh also talks about the challenges faced by the Indian entrepreneurial ecosystem and how OKCredit is managing during this period. He reflects on past decisions and shares upcoming projects and initiatives. OkCredit's journey has been filled with surprises and successes. Harsh shared a story from their early days, where they distributed their app through .apk files and relied on personal phone calls for onboarding. He recalled, "We saw that people were loving the product so much that they were sharing it with their friends over ShareIt when it was not available on the Play Store." Harsh concluded our conversation with valuable advice for aspiring entrepreneurs. He emphasized the importance of understanding the long game and setting realistic expectations. He shared, "It takes at least seven to ten years to be able to build something in full scale, and there are so many challenges along the way." Harsh encouraged entrepreneurs to approach their journey with the right mindset and be prepared for the obstacles that lie ahead. He concluded, "Having the right expectations allows you to have the right state of mind and go in with the right mindset." Don't miss this engaging conversation! ~ 🎙️ Discover some of India's next best analytical 🤖 and creative 🎭 minds who are not only transforming their own fields but at the same revolutionizing India's entrepreneurial ecosystem! 🛰️ New episodes every 2 weeks. ⁠#TheIndianautPodcast​​​​⁠ ⁠#Indianaut​​​​⁠ • Host: Gautam Marwah • Editor: Pranav Suneja (⁠https://www.instagram.com/pranav.eja⁠) • Intro Music: Ladybirds Mate by Rachel K Collier ~ Do follow us on our social media handles for regular updates on the latest episodes. • Instagram: ⁠http://instagram.com/indianaut.in​​​​⁠ • Facebook: ⁠http://facebook.com/indianaut.in​​​​⁠ • Twitter: ⁠https://twitter.com/indianaut​​​⁠