Chandramouli C S
Co-Founder and CEO, Lokta
Most of what Lokta publishes on RBI servicing rules, collections metrics and the cost of a loan after approval was written by him.
- 23 yearsAcross technology, go-to-market and consulting
- 50+Data scientists and ML engineers in the AI organisation he built across the US and India
- 40+AI initiatives that organisation put into production
- NBFC boardIndependent director, chairing the IT strategy committee
About Chandramouli
Chandramouli C S co-founded Lokta and leads it as CEO. An engineer at heart, he has spent twenty-three years across technology, go-to-market and consulting, the last few of them building machine learning and GenAI products.
Before Lokta he was Senior Vice President of Artificial Intelligence at Korn Ferry, where he built the AI organisation from the ground up across the United States and India: more than fifty data scientists, machine learning engineers and analysts, shipping more than forty initiatives from recommendation models to bias-detection frameworks. Earlier he led product at Brightfield, Zomentum and Gartner’s TalentNeuron, co-founded HireCruise, and advised a commercial lending platform on product and go-to-market for two years.
He also sits on the board of Digamber Finance, an NBFC, as an independent director, where he chairs the IT strategy committee. That seat is why he has seen lending from both sides: the technology and the book.
He writes the bulk of the posts on /updates/: RBI rules read as system configuration, collections and early-warning measures, what it costs to service a loan, and how a servicing team changes once agents take on routine work.
Career
- 2026 to nowCo-founder and CEOLokta
- 2024 to nowIndependent DirectorDigamber Finance (NBFC)Chairs the IT strategy committee.
- 2024 to 2026Senior Vice President, Artificial IntelligenceKorn FerryAlso head of the Korn Ferry Digital India centre.
- 2022 to 2024Vice President, Data Science EngineeringKorn Ferry
- 2020 to 2022Product and Go-to-Market AdvisorA commercial lending platform built on Apache Fineract
- 2021 to 2022Head of Product StrategyZomentumTook a B2B software marketplace from concept to its first transaction in four months.
- 2018 to 2021Vice President, Product ManagementBrightfield
- 2018Head of Product Strategy, TalentNeuronGartner
- 2017 to 2018Co-founder and Head of ProductHireCruise
Writing
- What is an AI loan servicing stack?
- DSA and partner payouts: how much do you owe each partner this month?
- Multi-lender servicing: trace the repayment before fixing the DPD gap
- Charges waived at settlement: what changed, and who approved it?
- Running an NBFC loan book on Excel and Tally: when to move
- Lokta launches collateral management that prices the security daily, and names Vamshi Krishna Putta Head of Engineering
All 64 posts
- Account Aggregator data in loan servicing: turn signals into reviewed action
- A borrower’s details change: what must loan management and servicing update?
- Build Vs. Buy Loan Management Software (LMS)
- A borrower disputes an EMI: can your LMS reconstruct the account?
- Which loan management and servicing workflow should an NBFC automate first?
- Before your first repayment cycle: rehearse loan management and servicing
- Loan pricing and RAROC: servicing costs change the return
- LOS-to-LMS handoff: an accepted API request does not prove a serviceable loan
- Got your lending licence? Choose a loan management stack built for profitable operations
- The borrower has paid: why is the collections queue still calling?
- Agent Adoption Does Not Shrink a Servicing Team. It Reshapes It.
- On-Prem, VPC or Shared Cloud: What RBI Actually Requires You to Prove
- How Long an LMS Implementation Actually Takes
- The Five Integrations Every LMS Needs, and What Slows Them Down
- What Has to Move Together When Your LMS Migrates
- A Field Agent's App Is Not a Smaller Version of the Web Portal
- Encryption Is Not the LMS Security Question That Matters
- The LMS selection mistakes that have nothing to do with features
- Training a Servicing Team on AI Agents Is Not a Screen Tour
- A Cost-to-Service Line Item Names the Cost. Not Where the Time Goes.
- Best loan servicing software for fintechs in India: five tests to run on every vendor
- AI in loan collections under RBI's rules: what an agent may do, and what stays with people
- Audit trail in a loan management system: what Rule 3(1), RBI's technology directions and your auditor check
- Collection efficiency for NBFCs: three formulas, and why 105% can be a bug
- Roll rate, cure rate, PTP kept: the collections KPIs that show where credit cost is heading
- What it costs to service a loan: a cost-per-loan model for an NBFC book
- Credit bureau reporting for NBFCs: four reference dates a month from July 2026
- Early warning signals for NBFCs: credit EWS and fraud EWS are different things
- Interest accrual in a loan management system: daily accrual, day count and reversal
- Loan accounting entries for lenders: GL postings from disbursal to recovery after write-off
- Loan management system cost: pricing models and TCO
- Loan tape: what a buyer, investor or rating agency asks for, and the loan history behind it
- NACH or UPI AutoPay bounce: the lender's first 72 hours
- NBFC collection strategy, bucket by bucket
- Open-source loan management systems: what Apache Fineract gives you and what you still build
- Penal charges, prepayment and rate resets: RBI's servicing rules as LMS configuration
- RBI Co-Lending Directions 2025: what changes after disbursal
- RBI's draft data governance guidance: tracing a reported number back to the loan behind it
- RBI digital lending rules for NBFCs: what you have to evidence after disbursal
- RBI recovery-agent rules for NBFCs: the evidence every collection contact should leave
- RBI returns for NBFCs on CIMS: which ones you file, when, and which numbers come from the loan book
- SMA and NPA classification for NBFCs: the day-end rules
- Lokta opens its platform to NBFCs up to ₹100 crore, with no platform fee for up to two years
- Poka-yoke in lending: an audit trail is not a control
- Record, route, run: the three eras of the loan management system
- Payment appropriation is a configuration science
- RBI's proposed revolving-credit restriction: what it means for NBFC lenders
- Loan Against Property (LAP) lenders in India: the five challenges that start after disbursal
- Why we test lending software on a digital twin NBFC
- Inside Moneyview's technology and AI strategy
- Loans against mutual funds: fast to pledge, painful to exit
- A loan's profit is decided after approval, not at underwriting
- RBI Just Redefined What Counts as a 'Model'
- Our team is 42. Six of us are human.
- Credit is the bloodline of the economy
- What money actually is
- The price of money is uniform. The outcomes are not.
- The loan book that learns
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