The people building the agentic loan servicing platform.
Choosing where your loan book lives after approval means trusting the people who write that software. Each card opens one person’s full record: the career, the figures, what to ask them, and what they have written.
- 2017Apache Fineract, which this team co-created, became an Apache top-level project
- ~$500B¹Loan principal disbursed through the Mifos and Fineract ecosystem, central estimate
- 9MLoan accounts our engineering lead has migrated, every one reconciled
- 84Posts on this site, written by the people on this page
¹An ecosystem total, not Lokta’s book, and the central estimate of a modelled range. How the figure is derived
Ashok Auty
Co-founder and Chief Customer Officer
Co-created Mifos X and Apache Fineract, then ran Finflux, a lending platform built on it, for ten years. Leads implementation.
10 yearsCo-founder and COO of Finflux, a commercial lending platform built on Fineract
20 postsLinkedIn: Ashok Auty
Chandramouli C S
Co-Founder and CEO
Runs the company. Built a fifty-person AI organisation before Lokta, and sits on an NBFC board as an independent director.
23 yearsAcross technology, go-to-market and consulting
64 postsLinkedIn: Chandramouli C S
Vamshi Krishna Putta
Head of Engineering
Leads engineering. Has moved nine million loan accounts with every one reconciled, and run a lending core at fifteen million accounts.
15M+Accounts on a credit-line product he built, for more than ten lenders
Shreyank Byadagi
Principal Engineer
Founding engineer. Twelve years in lending and financial-services backends, from a Mifos internship to a US financial services firm.
2014First lending-platform internship, building a micro-ATM for financial inclusion
Nayan Ambali
Investor and Advisor
Serial entrepreneur. Founded and ran Finflux, the commercial lending platform this team built on Fineract, for thirteen years, and sits on an NBFC board.
13 yearsFounder and CEO of Finflux, the commercial lending platform built on Apache Fineract
The about page covers the Apache Fineract heritage and how we work with lenders, the history dates it, and the updates page holds every post in date order.
Apache, Apache Fineract and Fineract are trademarks of the Apache Software Foundation. Lokta is not affiliated with, sponsored by or endorsed by the Apache Software Foundation, the Mifos Initiative, or any other company named here.