Shivani Siroya is the founder and CEO of Tala, a mobile technology and data science company that is opening up financial access for underserved people in emerging markets. Tala’s smartphone app uses alternative data to deliver instant credit and help customers build their financial identities. Prior to founding Tala, Shivani held a variety of positions in global health, microfinance, and investment banking, including with the United Nations Population Fund, Health Net, Citigroup and UBS. Shivani is an Aspen Institute Finance Leader Fellow, a WEF Young Global Leader, Senior TED Fellow and Ashoka Fellow. She is also on the board of Stellar.org. She holds a M.P.H from Columbia University and a B.A. from Wesleyan University.'