In this episode powered by Hissa Fund, Ashish Goyal takes us inside Fibe's 10-year journey from EarlySalary to a digital lending unicorn that has disbursed over ₹20,000 crore across 9 million loans. Unlike most fintech startups that burned through Series C chasing growth, Fibe achieved year-on-year profitability while building in Pune, not Bangalore, keeping senior leadership attrition under 5% for a decade. Ashish shares the contrarian decisions that made Fibe different: hiring a CTO instead of making tech a co-founder role, why experience can become a founder's biggest handicap, how Pune's talent market became their competitive moat against Bangalore's revolving door, and more.Ashish shared this candid journey with host Satish Mugulavalli (Founder of Hissa) in a conversation that redefines what employee-first capitalism looks like in India's startup ecosystem.Subscribe to Built to Share and follow Satish Mugulavalli on LinkedIn and for more founder stories on wealth creation, equity, and building companies the right way.#AshishGoyal #Fibe #EarlySalary #FintechIndia #FintechUnicorn #PuneStartups #DigitalLending #RetentionStrategy #NonTechnicalFounder #ProfitableStartup #StartupFunding #IndiaUnicorns #BuiltToShare #SatishMugulavalli #StartupCulture #FinanceAct2024 #NBFCRegulation #StartupRetention #FintechGrowth #IndianStartups