I build lending, credit and AI products that regulated institutions actually ship.
Product leader, ex Scienaptic AI and Yubi, now Senior Director of Product at Kaleidofin.
Fourteen years in lending and financial infrastructure. Today I run product, design and marketing for a data and risk platform used by lenders and institutions across India and East Africa. Before that I took a US credit decisioning platform from $2M to $10M in revenue.
Chennai, India · IIM Bangalore MBA · CFA Level 2
ki score sorts thin-file borrowers into 10 risk tiers. The riskiest 20% hold 71% of defaults, which is what lets a lender approve 20 to 30% more people at the same risk.
Case studies
Decisions from the last few years, each built around one hard call.
Built ki catalyst as a reusable product before the first deal, not one-off analytics for one originator.
KES 276M · Raised, May 2026 Kaleidofin Dada Biashara: a GenAI financial coach on WhatsAppCoach first, lend second: treat a decline as the start of a plan, not the end of the funnel.
+33% · Approvals after coaching Kaleidofin From custom models to a multi-product lending platformStop custom builds: said no to per-client models despite near-term revenue risk, in favour of configurable products.
Start LLMs at monitoring booked loans, not at application decisions, and bundle three tools into one module.
80% · Client adoption Scienaptic AI Adding small business lending to a consumer credit platformOne platform, not a second product: MSME as an asset class on the shared consumer platform.
Expand before chasing new logos: weight the roadmap toward products the existing 100+ lenders could add.