People behind the decisions

Building for real financial lives takes more than finance.

KYFR brings together people from banking, product, AI, data science, engineering, design, consumer experience and growth. Different disciplines. One problem worth solving.

Founders

The two people who started this.

Pradeep Rathnam

Co-Founder & CEO

Pradeep has spent 25 years inside the financial system KYFR is built to make sense of - underwriting personal loans at Citibank, building lending infrastructure at TERA Finlabs (acquired by Razorpay), and leading credit and payments at Ninjacart.

He's watched financial products get easier to access while the decisions around them got harder, and started KYFR to close that gap.

Previously:: Ninjacart, TERA Finlabs, Bajaj Finserv, Rupeezone, Aegon, Citibank
Studied at:: MIT Sloan School of Management, Loyola College

CV Vignesh

Co-Founder & COO

Vignesh has spent 15 years turning messy data into decisions that hold up - building the analytics function from the ground up at BRIDGEi2i (grown to 800+ people before its acquisition by Accenture), then leading a 40-person analytics team at Ninjacart.

At KYFR, it's the same job at a different scale: turning someone's financial context into one decision they can trust.

Previously:: Ninjacart, BRIDGEi2i (Accenture), Hewlett-Packard
Studied at:: Symbiosis (SCMHRD), UC Berkeley Extension, Bharathiar University

The founding team

Built by people who understand the problem from both sides.

Our founding team combines deep experience in financial journeys, technology, AI, analytics, product and growth with first-hand understanding of the behaviors and expectations shaping how a new generation makes money decisions.

FOUNDING MEMBERS. FIRST 10000 ONLY

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