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Raj Bhaskar

Embedded Accounting, Vertical SaaS, Fintech Strategy Expert & Co-Founder & CEO at Tight
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Raj Bhaskar is the Co-founder and CEO of Tight, a pioneering platform in embedded accounting that powers financial infrastructure within fintech, banking, and vertical SaaS ecosystems. With more than two decades of experience as a founder and operator across fintech and enterprise software, Raj is a recognized thought leader on how small businesses can achieve profitable growth through financial clarity and automation.

A serial entrepreneur, Raj previously founded VisualHOMES, an affordable housing ERP software solution, which scaled to serve over 2 million residents before its acquisition by Yardi. His experience navigating acquisitions and scaling financial software solutions gives him rare insight into embedded finance, product strategy, and the evolving needs of SMBs.

Employment
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  • Payroll Schedules: Balancing Cash Flow and Employee Morale for SMBs
    Raj notes, “Payroll isn’t just a compliance task—it’s a cash flow event.” Weekly payroll boosts morale but strains cash flow, while monthly schedules ease admin but stress employees. Bi-weekly offers balance. He advises aligning payroll with revenue rhythm to maintain liquidity, especially for businesses with irregular income.
  • Balancing Act: Short-Term vs. Long-Term Planning Insights from Raj Bhaskar
    Raj emphasizes that short-term planning builds focus and momentum, while long-term planning provides vision. He notes, “Short-term goals are tactical, long-term goals are strategic.” He advises using SMART KPIs for short-term goals and reverse engineering for long-term visions. Examples include launching new features (short-term) and expanding to new regions (long-term).
  • Microsoft's People Skills Revolutionizes Workforce Intelligence
    Raj explains that Microsoft's People Skills uses AI to infer skills from activity data, unlike traditional HR systems. "This innovation enables real-time talent mapping," he notes, enhancing team formation and internal mobility. Customizable taxonomies allow personalized skill categorization, while privacy controls ensure responsible data use. Raj emphasizes the shift towards skill-first organizations, boosting AI-powered collaboration.
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