I underwrite real estate and credit from the property up, and research how rates reprice real assets.

I grew up in Patna, India, where capital was scarce and access was rationed, so I learned to read a balance sheet before I learned to read a market. Before I finished undergrad I co-founded VHelpp, a service-marketplace startup we grew across two Indian cities to 100+ onboarded professionals, raised a friends-and-family round for, and sold. I ran the projections and the fundraise. That was my first real lesson in how capital actually moves.

Since then I've built my edge in real assets and credit. At Gallagher & Mohan I underwrote U.S. commercial real estate from the ground up (DCF models, cap rates, DSCR, and distribution waterfalls) across the lending and PE mandates the firm runs for sponsors, lenders, and REITs. At Better Mortgage I underwrote residential credit at scale, sharpening my collateral and default lens, including through the 2025 Los Angeles wildfires. Now, at the Simon School Venture Fund, I'm applying that underwriting discipline to live investment decisions.

What ties it together: I've seen the same deal from the debt seat, the underwriting seat, and the investment seat. My work stays grounded in cash flows, collateral, and how interest rates move the value of real assets, not prediction.