We're on a mission to enable lenders to
make smart lending decisions

Our goal is to deliver rapid intelligence on borrowers' creditworthiness with accurate financial data that is easily consumable by lenders to make fast, risks-free lending decisions.
$2 billion+
Worth of loans disbursed
66%
Increase in loan volumes
4 hours
saved for each loan application
100%
Customer satisfaction

Our Story

Prudent AI’s eureka moment happened when Jay & Sri were warming down in their sports club after a badminton game . Having worked at EY for more than 10 years, they had deep insights into the world of finance and accounting. They realised they had unique insights that helped them see a great opportunity in the Finance and tech intersection.  

First, trust and evidence are the biggest time and cost factors in finance processes. Second, finance was lagging behind in technology adoption and presented huge opportunities for improvement. Lastly, the best way to address this lag was via an impactful software product. Given they were based out of Chennai - the SaaS capital of India - starting up together was the natural next step.  

During the journey, they realised if their SaaS business was to be successful it needed specific market attributes  -  high impact need , highly repeatable solution, and high transaction volume. After multiple trials working with different teams / sub-segments within the finance and accounting groups they landed on the perfect opportunity.

It all fell in place when leading Non-QM lender,  Lendsure Mortgage Corporation , came looking for analysis of bank statements for their non-QM lending business. They realised they had the perfect solution in the mortgage tech space. And, they haven’t looked back since then.

Now Prudent AI has lifted credit decisioning for lenders to the next level and expanding rapidly into multiple segments and use-cases. Hello, future!

Our Founders

Jayendran GS
Co-founder
Chartered Accountant | Data Scientist Ex-EY
Jay is a thinker and problem-solver. He enjoys reading & learning across a wide span of topics. His current interests are Scrabble, visual design, and video games.
Srikanth Rajaraman
Co-founder
MBA | Tech & Cyber Risk Leader Ex-EY
Sri is heart-led and instinctive. A sports enthusiast and a die-hard Liverpool FC fan. He likes to live a full life – playing badminton, long drives, moonlight treks, or wildlife safaris – he loves it all.

Fintech leaders with 25+ years of combined Big Four experience.

Managed Global Analytics Centre of Excellence in EY

Built finance-tech AI products for several  firms while in EY

Advised clients for building secure SaaS platforms

Built trusted client relationships with F500 companies

Our Principles

What we're all about

At Prudent AI, we keep a few principles close to our hearts
Focus on learning and growth
At Prudent AI, we encourage a growth mindset. We’re made up of curious minds & help each other discover our superpowers. We encourage our team to ask a lot of questions, find answers, and build their knowledge to deliver an exceptional experience for our employees, customers, and partners.
Build a high-trust ecosystem
We believe that we can achieve more when we collaborate as a team in a high-trust environment. We consider every employee, customer, and partner we work with as part of our team & value their opinion. We strive to provide a high trust ecosystem for them to thrive
Be bold & fearless
We’re risk-takers. We believe nothing new can be created or progress can be made if everyone follows the same playbook. We like thinking outside the box and it has immensely helped us & our customers till now.
Don’t hold yourself back
Participation is the first step to betterment. It applies to people and products. We want every employee, customer, and partner to speak their mind. If you think of something that could make the product experience better? Say it out loud. We’re here to listen.
Focus on the method. Not the metric
Do things the right way and do it well. The only thing we focus on is to see whether what we do superpowers our customers. If we achieve that through the right methods, the results will be taken care of. 
Be entrepreneurial
At Prudent AI, we love driven employees who take individual responsibility. We give them the space to express themselves & allow them to run their functions with complete autonomy. 

Love what we're doing? Join our team.

Talk to us

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