Ruchi Kalra is an Indian entrepreneur, who is the co-founder of OfBusiness and Oxyzo Financial Services startups that turned into unicorns, which means the companies reached a valuation of at least $1 billion.Ruchi started working as a senior business analyst at Evalueserve after completing her BTech in Chemical Engineering, following which she did her MBA from the Indian School of Business, Hyderabad.Ruchi was keenly involved in co-curricular activities during her college days. She was an elected member of the student body. In an interview, she disclosed, For me, in addition to the curriculum, there was a lot more to do as an elected member of the Student Body. This gave me an opportunity to explore my full potential and, also a recognition from the institute as a Young Leader..In 2007, she joined McKinsey through college placement, where she worked for almost 9 years as a consultant in the financial service sector and later was made a partner in the company.During her time at McKinsey, she found her husband, Asish Mohapatra. In an interview, Ruchi said that her husband is her inspiration. She said that he plays a pivotal role as a professional coach and as a leader in her life. Asish Mohapatra with his daughter Khushi.In 2016, she left McKinsey to join entrepreneurial forces with her husband and 6 others to establish their startup OfBusiness in the uncharted area of B2B. The first OfBusiness session, circa Aug 2015.She became the co-founder and CFO at OfBusiness which serves as a single window for SMEs to get secured and unsecured credit.Her company OfBusiness became a unicorn after the Japanese multinational conglomerate, SoftBank Group Corp. had backed the company. Ofbusiness team.She along with her husband and 3 other people in her team found an offshoot of their first startup in 2017. They named it Oxyzo, a blend of the words oxygen and ozone. [2]India.com The Oxyzo team.Her company Oxyzo provides purchase financing to small and medium businesses, giving out cash-flow-based loans to help SMEs, which struggle to get working capital by using technology that crunches data.