Meet Har Rai Singh Khalsa

The story goes back to 2007 when MK Decision’s co-founders Guru Dharam and Har Rai Khalsa launched a retail finance comp...

Today we’d like to introduce you to Har Rai Khalsa.

The story goes back to 2007 when MK Decision’s co-founders Guru Dharam and Har Rai Khalsa launched a retail finance company together. The company specialized in point-of-sale financing in malls across America for different commodities (e.g., electronics, automotive parts, jewelry, travel, etc.). By 2011, Guru Dharam and Har Rai had realized that the company’s paper-driven credit application process was neither scalable nor efficient. This pain point forced Guru Dharam and Har Rai to focus on building a solution: their first digital loan origination platform...

...Alright – so let’s talk business. Tell us about MK Decision – what should we know?
First, MK Decision should be seen as more than just a loan origination system. We are on a mission to stimulate local borrowing and local lending. We truly believe that we can help local economies, and community financial institutions are a key part of that. We see community institutions as the backbone of our nation. Our goal is to help them capitalize on the rapidly growing online lending markets.

Second, MK Decision is known for producing best-in-class experiences for both borrowers and lenders. Our credit application process is highly tested and has been designed to provide the best borrower experience possible; while our lender-facing dashboard is easy to learn and highly efficient to use. Processes that used to take bankers days to complete, can now be done in a matter of seconds via automation.

Third, MK offers the only loan origination platform that focuses on the sales and marketing efforts of our partners. By optimizing the sales and marketing efforts of a financial institution, we ensure the success of their lending program. The incentive to grow loan volume is mutual. MK does this by deploying simple, beautiful borrower experiences that educate and inform borrowers on the loan options available to them. We believe an educated borrower is a confident borrower. Confident borrowers complete application processes.

Is there a characteristic or quality that you feel is essential to success?
The quality of MK’s company culture is built on Four Pillars that are most important to our success:

Open Your Mind. Think big. Embrace change. Challenge the status quo. At MK Decision, our competitive advantage is the bright minds of our team, thinking outside the box with a common goal.

Do The Right Thing. Treat everyone equally with respect and professionalism. At MK Decision, these values apply to our work product and environment; ensuring integrity in our products and dignity in our personnel.

Do Whatever It Takes. Daily life at MK Decision is built around going the extra mile to achieve greatness. No matter what it takes, we go above and beyond to exceed client expectations. Excellence is our way of life.

Win Together. In a society driven by competition, MK Decision takes a team approach to win. Together everyone achieves more.

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