Vishal Shah Head of Embedded Finance, SAP Fioneer Vishal is the Head of Embedded Finance solutions at SAP Fioneer. SAP Fioneer, a joint fintech venture between SAP and Dediq that began operations in September 2021. Prior to SAP Fioneer, Vishal was the founder of a successful fintech start-up, now called SAP Supplier Financing, which facilitated working capital finance to MSMEs leveraging the Embedded Finance paradigm. He has over 24 years of experience in the financial technology industry.