Chander Kulathu
Mumbai, Maharashtra,India
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Chander Kulathu is a prominent entrepreneur and business leader, best known as the Co-founder of OakNorth, a pioneering fintech company that leverages artificial intelligence and machine learning to provide bespoke lending solutions to small and medium-sized enterprises (SMEs). Before establishing OakNorth in 2015 with Rishi Khosla, Chander co-founded Copal Partners in 2002, a financial research outsourcing firm. Copal Partners grew significantly and was subsequently acquired by Moody's Corporation in 2014, becoming Copal Amba. Chander's expertise lies in scaling businesses, financial services, and applying technology to solve complex financial challenges. He holds a degree from the London School of Economics and Political Science (LSE). His work focuses on addressing the 'Missing Middle' – businesses that are often underserved by traditional lenders.
Professional Summary
Chander Kulathu's work history includes a series of influential roles in various companies. Here is a detailed list of his professional journey:
Notable Achievements
Co-founder of OakNorth
Co-founded OakNorth in 2015, a fintech company that has achieved unicorn status and significantly disrupted the SME lending market by using AI-driven credit analysis. OakNorth has provided billions in loans to businesses, supporting economic growth and job creation.
Co-founder and Successful Exit of Copal Partners
Co-founded Copal Partners in 2002, a financial research and analytics firm, which grew to over 2,500 employees and was successfully acquired by Moody's Corporation in 2014, demonstrating strong entrepreneurial and business scaling capabilities.
Pioneering AI in SME Lending
Instrumental in developing and deploying OakNorth's AI-powered platform (ON Credit Intelligence Suite) that enables banks globally to lend more effectively to SMEs, transforming how credit risk is assessed for this segment.
Recognition in Fintech and Entrepreneurship
Through OakNorth, Chander has contributed to the company receiving numerous accolades for innovation, growth, and impact in the financial technology sector. He is recognized as a key figure in the UK's fintech scene.
Educational Background
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Company Overview
HDFC BankHDFC Bank Ltd. is India's largest private sector bank by assets and market capitalization following its merger with HDFC Limited in July 2023. Headquartered in Mumbai, the bank offers a comprehensive suite of financial products and services, including wholesale banking, retail banking, treasury, auto loans, two-wheeler loans, personal loans, loans against property, consumer durable loan, lifestyle loan and credit cards. It has a vast network of branches and ATMs across India and is known for its strong digital presence and customer-centric approach, serving millions of customers nationwide.
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