WHO WE ARE
A team of passionate serial entrepreneurs, tech evangelists, credit scoring experts, data scientists and software engineers on a mission to advance technology to foster financial inclusion.
HOW WE GOT HERE
Our Journey so far.
2017
USA
Like-minded bankers, entrepreneurs joined hands - the Founders.
2018
Africa
Deployed fully automated AI-driven lending model - access to credit for 120,000 customers.
2019
India & SE. Asia
Expanded customer base to new markets - eCommerce Lenders, P2P.
2020
USA
Deployed for the first US consumer lender. Managed services & expertise helped clients survive & thrive in stressed conditions.
2020
USA
Deployed for the first US consumer lender. Managed services & expertise helped clients survive & thrive in stressed conditions.
2017
USA
Like-minded bankers, entrepreneurs joined hands - the Founders.
2017
USA
Like-minded bankers, entrepreneurs joined hands - the Founders.
OUR MISSION
Financial Inclusion for all.
OUR SOLUTION
AI powered digital credit solutions that scale.
OUR MISSION
Financial Inclusion for all.
OUR SOLUTION
AI powered digital credit solutions that scale.
Board Members & Advisors
Charu Ramanathan
Board Chair & Co-founder
Santosh Thiruthi
Co-founder & CEO
Ketal Patel
Co-founder & Board Member
Aiaze Mitha
Senior Advisor
Jesse Fripp
Senior Advisor
THE EXPERTS
Built by a team of industry experts.
Founded by financial industry veterans and entrepreneurs, Lokyata is comprised of multidisciplinary experts in the fields of technology, credit scoring, data scientists and software engineers.
Steve Bireley
CTO
Daniel Citbaj
Chief Scoring Expert
Sanker Gopinathan
Director, Operations & Client Engagement
Tommy Eastman
Director, Product & Data Science
Roma Vasudevan
Global Credit & Risk Lead
Join the Team
Our team of multidisciplinary individuals of scientists, engineers and experts join forces and talents every day to get closer to our goal of sustainable financial inclusion for ALL.
As we move ahead in our journey, we are on the lookout for additional talent to join the mission. If you’re passionate about analytics, machine learning or artificial intelligence – we predict that you have a brilliant future with us!