Every credit-score app in India is a lead-generation product wearing a diagnostic costume. It shows you the number and sells you a loan. Utkrishta spent years at Meesho serving exactly the customer that fails — someone with a thin file, a real repayment history and no way to turn one into the other. Oolka files on the user’s behalf instead of advising them to. Close to two million people and ₹100 crore of repayments had moved through it before Lightspeed and Z47 came in.