Avtar is a theoretical physicist turned financial risk manager and technical product architect. He has experience in quantitative markets and credit risk, financial regulation and technology strategy. He also holds a Lean Six Sigma Blackbelt in operational optimisation. In Nivaura he is the CEO and lead technical product architect for platforms and Blockchain. Avtar also advises the European Equity Crowdfunding Association, and FinTech and Blockchain startups based in London and Italy.