Karthik Velu builds lending, credit and AI products that regulated institutions actually ship. Case studies and writing on credit, AI and fintech.https://karthikvelu.pages.dev/en-gbhttps://karthikvelu.pages.dev/work/custom-models-to-platform/https://karthikvelu.pages.dev/work/custom-models-to-platform/In about 18 months, per-client scoring models and a back-office app became a four-product risk platform. Two in three partners now use more than one product, partner onboarding is down by more than 80%, and platform ARR is up more than 200%.Mon, 19 Oct 2026 00:00:00 GMThttps://karthikvelu.pages.dev/work/dada-biashara/https://karthikvelu.pages.dev/work/dada-biashara/A WhatsApp coach in English, Swahili and Sheng that turns M-Pesa activity into a bankable credit file. Coaching lifted approvals by a third: for every three users approved on the first check, one more got there after coaching.Mon, 19 Oct 2026 00:00:00 GMThttps://karthikvelu.pages.dev/work/icue-llms-in-production/https://karthikvelu.pages.dev/work/icue-llms-in-production/iCUE reached 80% client adoption within three months of launch, with 15% converting to paid. Paid conversion reached 30% within nine months of launch.Mon, 19 Oct 2026 00:00:00 GMThttps://karthikvelu.pages.dev/work/kenya-agri-securitisation/https://karthikvelu.pages.dev/work/kenya-agri-securitisation/KES 276M raised in May 2026 at a BBB- rating, in Kenya's first private-sector, local-currency agricultural securitisation. Repeat deals followed within six months on the same engine.Mon, 19 Oct 2026 00:00:00 GMThttps://karthikvelu.pages.dev/work/land-and-expand/https://karthikvelu.pages.dev/work/land-and-expand/Platform revenue grew fivefold while revenue per client rose 50% and client retention rose 35%. First-time client go-live fell from 150 days to 30.Mon, 19 Oct 2026 00:00:00 GMThttps://karthikvelu.pages.dev/work/msme-on-a-consumer-platform/https://karthikvelu.pages.dev/work/msme-on-a-consumer-platform/I added MSME as a new asset class on a platform built for consumer credit. It won new logos from US small business lenders who wouldn't have bought a consumer-only product.Mon, 19 Oct 2026 00:00:00 GMT