The People Behind Santulan AI

Built by practitioners.

Santulan AI was founded by domain experts who spent years inside banks, NBFCs, and fintech companies — and built the credit intelligence platform they always wished existed.

Gourav Dalal

Co-founder & CEO

Gourav leads Santulan's vision of democratizing credit analytics in India. With deep expertise in credit underwriting and fintech, he drives innovation in AI-powered lending platforms for banks and NBFCs across India.

Credit analyticsAI in lendingMSME financingDigital transformation

Subhalaxmi Das

Co-founder & CTO

Subhalaxmi architects Santulan's AI and data infrastructure. Her work in machine learning has powered breakthrough innovations in bank statement analysis and fraud detection for Indian lenders.

Machine learningFinancial data engineeringGST analyticsFraud detection

Naveen Upadhyay

Co-founder & Director

Naveen drives partnerships and growth at Santulan, leveraging deep domain knowledge in lending operations and NBFC credit workflows to expand access to Santulan's credit analytics platform.

Business developmentNBFC partnershipsLending operationsCredit policy

We're hiring.

We're a small team building infrastructure-grade credit intelligence for Indian lenders. If you work on hard problems at the intersection of finance and AI, we'd love to talk.

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