Black Dot was founded by Mandar Kagade in May, 2020. Before conceptualizing Black Dot, Mandar Kagade was the Head, Public Policy at “CreditOn”, a B2B Fintech firm in the credit origination space. Before that, he was heading the public policy team at Catalyst, a start-up incubator in the digital payments space wherein he produced several policy papers including notably one on use-cases for the RBI regulatory sandbox. He is a recovering corporate and financial regulatory lawyer and a graduate of Columbia Law School, and Govt Law College, Mumbai respectively.