Streamlining business processes with Custom Integrations

Our enterprise-specific integrations enable the seamless connection between various systems and APIs ensuring efficient and streamlined business processes.

CBS/LMS Integrations

Supported CBS/LMS Systems

Finnacle, Oracle FLEXCUBE, FIS Profile, Nucleus FinnOne, Nucleus FinnOne Neo, Pennant, Omnifin, Sen-sei

Integration Capabilities

Customer Creation, Loan Creation, Account Creation, Collateral Creation, Dedupe Service, Loan Disbursement, RTGS/NEFT, Wallet Integration

Customer Integrations

CRM Integration

Lead Creation, Lead Push (to LOS), Lead Status Update

DMS Integration

Document Management System Integration

India Specific Integrations

KYC

  • eKYC – OTP
  • eKYC – Biometric
  • eKYC – Bio Auth
  • Aadhar Bridge
  • Aadhar Vault
  • PAN – NSDL
  • Driving Licence
  • Voter ID
  • Passport
  • Electricity Bill
  • Water Bill
  • CIN
  • GST
  • Mobile OTP
  • CKYC

Employment

  • Email Verification

Payments

  • Payment Gateway

Vehicle

  • Registration Certificate

Banking

  • Bank Account – Penny Drop
  • Bank Statement – Perfios
  • Bank Statement – Fin360
  • Bank Statement – Kart
  • Bank Statement – Finneza
  • Bank IFSC Search

User Authentication

  • SAML
  • SSO

Documentation

  • E-Franking

Fraud Check

  • Hunter
  • AML
  • CFR
  • Sherlock
  • Crime Check

Credit Bureau

  • CIBIL
  • CRIF
  • Experian
  • Equifax

Additonal

  • e-NACH
  • e-Sign

Collateral

  • Digital Title Due Diligence
  • Address Verification
  • Skip Tracing

Communication

  • SMS Gateway
  • SMTP – Email

UAE Specific Integrations

Islamic Banking

Seamlessly Integrate with Core Systems and Support Islamic Financing

Our solutions offer seamless integration with Islamic Banking based core systems, ensuring compatibility and efficient data flow. We understand the unique requirements of Islamic financing for retail customers and have designed our system to cater specifically to these needs.

With our integration capabilities, we can integrate multiple pricing policies from core systems, allowing you to offer diverse and customised financing options to your customers. This flexibility enables you to adapt to the requirements of different markets and meet the specific demands of your customer base.

We prioritize agility and flexibility in our solutions, empowering you to respond quickly to market changes and evolving customer needs. Our system ensures an easy and secure authentication process, enabling customers to access their accounts and perform transactions conveniently from any device.

Our Islamic Banking integration solutions enables you to enhance your operations, improve customer satisfaction, and effectively navigate the dynamic landscape of Islamic finance.

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East Africa Specific Integrations

KYC

  • National ID
  • Passport
  • Driving License
  • Gas Bill
  • Electricity Bill
  • Telephone Bill
  • Mobile Bill

Mobile Wallets

  • Airtel Money
  • M-Pesa
  • Memo
  • Tigo Pesa

Additonal

  • Mobile Lock
  • Samsung Knox
  • Bespoke locks for other OEM’s

User Authentication

  • SAML
  • SSO

Credit Bureau

  • TransUnion

Communication

  • SMS Gateway
  • SMTP – Email

Banking

  • Bank Statement
  • Open Banking API’s

Payments

  • Payment Gateway

Employment

  • Email Verification

Documentation

  • E-Sign

Sai Srinivasa Raghavan Parthasarathi

DIRECTOR - ENGINEERING

Sai Srinivasa Raghavan Parthasarathi brings over 22 years of rich, cross-domain experience in engineering leadership, enterprise solutions, and product delivery. As Director – Engineering, he leads end-to-end technology strategy and execution, combining deep hands-on expertise with a strong focus on scalable architecture, global delivery, and customer-centric product development.

 

Sai had driven engineering for global payment solutions, powering over 200 customers worldwide. His leadership in API-first payment integration, POS software, loyalty systems, and mobile solutions has directly impacted millions of transactions, including nation-wide programs for HPCL and IOCL. He has led large distributed teams (20-40+), managed 24/7 mission-critical support, and executed complex product migrations and modernization initiatives.

 

Previously, as VP and Internal Apps Head at RBS, he delivered transformative automation and DevOps solutions across business functions, realizing significant effort savings and operational efficiency. His earlier roles at TCS and Infosys saw him lead critical projects in healthcare and enterprise systems, including award-winning workflow platforms.

 

Sai holds dual Master’s degrees-M.Tech in Computer Science and M.Sc in Mathematics-with top university honors. His technical stack spans C++, Java, REST APIs, Microservices, AWS, DevOps, Python, and RPA tools.

 

A lifelong learner and creative spirit, Sai is also a mandolin and trumpet player, founding member of the fusion band Rhythmic Energy, and a former President of Majestic Toastmasters Club at RBS.

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Ravi Swaminathan

VICE PRESIDENT - PRODUCTS

Ravi Swaminathan is an accomplished Retail Banking and FinTech leader with over 26 years of global experience across banking operations and financial technology. With a unique blend of expertise spanning business consultancy, presales, product management, and project leadership, he has successfully driven large-scale digital transformation initiatives in Core Banking and Lending systems across emerging and developed markets.

 

Throughout his career, he has held key roles at leading organizations including Ernst & Young, Intellect Design Arena, Polaris, HCL Technologies, and Xerox. A Chartered Accountant and certified PMP, he brings deep domain knowledge, strategic thinking, and a passion for innovation to every engagement.

 

As the creator of RFPmanage.com, a cloud-based SaaS platform that simplifies and automates procurement for banking technology transformation, he has demonstrated his forward-thinking approach and entrepreneurial mindset. His contributions have shaped market strategies, modernized legacy systems, and introduced cost-effective, scalable solutions tailored to multi-cultural and multi-tiered banking environments.

 

Known for his customer-centric approach and strong grasp of both financial ecosystems and IT landscapes, Ravi Swaminathan continues to advise banks and financial institutions across the globe – helping them transform with confidence and agility.

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Manoj Kumar Agarwalla

VCIE PRESIDENT - PRODUCTS

Manoj Kumar Agarwalla brings over 30 years of experience in application management, product implementation, and digital transformation in the BFSI sector. As Vice President – Products at Hotfoot Technology, he leads end-to-end product strategy and delivery, ensuring seamless integration, compliance alignment, and customer-centric innovations.

 

Before joining Hotfoot, Manoj played a pivotal role at Grihum Housing Finance and Poonawalla Fincorp, driving large-scale projects including core application development, LOS rollouts, LMS migrations, and collection system automation. His deep domain expertise, coupled with a Chartered Accountant background, uniquely positions him to bridge technology with business outcomes.

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Siva Senthil K

Senior Software Architect - Applied Intelligence

With nearly two decades of experience in software development and over 15 years of architectural expertise, our Senior Software Architect brings a strategic vision to Applied Intelligence. His journey, which began in 2005, is defined by a relentless passion for innovation, intelligent systems, and enterprise-scale solutions.

 

He is an expert in designing and scaling intelligent platforms using a rich suite of tools and cloud ecosystems including Microsoft Azure (Azure OpenAI, Cognitive Services, ML Studio, Kubernetes, Cosmos DB, Synapse, and IoT), and AWS (SageMaker, Lambda, Glue, and CloudFormation). A strong advocate of clean architecture and modern software patterns, he has deep hands-on expertise in .NET technologies (ASP.NET Core, xUnit, WPF, MAUI), alongside advanced machine learning frameworks such as PyTorch, TensorFlow, ML.NET, and AutoML.

 

Fluent in multiple programming languages with roots in C# and Python. JavaScript and Java is not far off for him. He has also dabbled into emerging niche languages like rust and go on his own time to stay relevant with shifting contours in the way problems are solved in modern day startups. He seamlessly bridges cloud-native innovation with AI/ ML applications to solve complex real-world problems.

 

Driven by purpose and precision, he leads with a blend of technical mastery, strategic insight, and a forward-thinking approach to building the intelligent systems of tomorrow.

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Anandan S

Head - Finance

Anandan brings over 26 years of extensive experience in Finance, Accounts, HR, and Administration. He currently serves as the Head of Finance at Hotfoot, where he oversees strategic financial planning, statutory compliance, and payroll playing a key role in aligning operational excellence with organizational goals.

 

Anandan is a postgraduate in Commerce from Annamalai University and holds a bachelor’s degree in Commerce from Pachaiyappa’s College, University of Madras. He is proficient in SAP ECC 6 (FI Module), Tally Prime, and various ERP systems, with strong expertise in statutory compliance, budgeting, MIS, and corporate finance.

 

With his deep industry knowledge, hands-on leadership, and cross-functional capabilities, Anandan continues to be a pillar of strategic guidance and operational strength at Hotfoot.

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Suresh Krishnamoorthy

Director - Product Services

Suresh Krishnamoorthy is the Director of Product Services at Hotfoot, bringing over 30 years of experience in the IT/ ITES industry across enterprise products, applications, and services. His expertise spans vendor governance, regulatory compliance, and ICT solutions across multiple sectors, including telecom, healthcare, SMB, education, and government.

 

Before joining Hotfoot, Suresh served as the Head of Vendor Governance, Compliance & Internal Audit for IT at Cholamandalam Investment and Finance Company Limited, where he played a key role in strengthening financial services governance through strategic risk management and compliance frameworks. His deep industry knowledge and leadership experience drive operational excellence and innovation in product services.

 

At Hotfoot, Suresh leads the Product Services division, focusing on advancing product services business, and aligning product strategies with evolving market demands.

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Premkumar CG

Director - Data Intelligence

Premkumar CG, our Director of Data Intelligence, has over 20 years of experience in Data Science, Advanced Analytics, and AI Governance. He has worked in various industries, including FinTech, MedTech, and BioPharma, globally.

 

Over the years, Premkumar has contributed to the success of leading organizations, such as Polaris Consulting and Services Ltd, Dun & Bradstreet, Dell Technologies, GE Healthcare, and GSK. He has left a lasting impact through his innovative and strategic approach to data-driven solutions.

 

Premkumar’s personal philosophy is “Learn, Contribute, Enjoy.” He is committed to driving our Data Intelligence initiatives to new heights.

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Sivarama Subramanian

Trusted Advisor

Sivaram with 25 years+ of experience, is a prominent figure in the UAE and GCC banking sector. His illustrious career includes senior leadership roles at Emirates NBD, Dubai First, Dubai Bank, and Citibank. He also worked with FMCG giants Procter & Gamble and Godrej in India. Sivaram holds prestigious academic credentials as an alumnus of IIT – Madras & IIM – Ahmedabad.


Sivaram’s profound expertise and achievements in retail banking and payments make him an invaluable asset to Hotfoot. Most recently, as EVP & Head of Retail Banking Products at Emirates NBD, he played a key role in integrating two major institutions, creating a leading, profitable banking franchise. His work spanned various sectors, including liabilities, loans, payment cards, and foreign exchange.


Before his tenure at Emirates NBD, Sivaram was instrumental in the founding teams of two banking startups, Dubai First and Dubai Bank, where he successfully launched their retail banking divisions. His initial foray into financial services was as Cards Marketing Director with Citibank, UAE, where he significantly contributed to building a leading cards franchise.


Sivaram’s extensive experience and market insight will be pivotal in steering our strategic direction and execution. His guidance will be particularly beneficial in business strategy, product development, market access, and regulatory frameworks.

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Ramas Venkat

Trusted Advisor

With over 25 years in global banking and financial services, Ramas Venkat has an exceptional track record in growing businesses within the Banking and Payments sectors. Currently, Ramas is the co-founder of Karplexus, a boutique financial technology firm that is revolutionizing products and solutions for real-time payments and open banking.


As the former Regional Managing Director of FIS South Asia, Ramas brings invaluable experience from a Fortune 500 company, excelling in corporate strategy, sales, and business development, as well as delivery and operations. Under his leadership, the South Asia region became the fastest-growing international market for FIS.


Ramas has extensive experience working across multiple geographies, from Western Europe to all parts of Asia Pacific, making him a highly sought-after market and solution expert. His wealth of domain expertise and knowledge of market practices add significant value to any conversation.

An engineering graduate from the University of Mysore and an MBA from IIM – Lucknow, Ramas has, for the past three years, shaped strategy and direction at Hotfoot, contributing significantly to its success with his vast experience.

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Kapil Jawa

Director, Board Member

Kapil Jawa is a seasoned professional with over 22 years of experience in Banking and Financial Services. Most of his career, over 17 years, was spent at Genpact where he led a large analytics team focused on Banking, Financial Services,and Capital Markets. There, he oversaw a significant portion of the business and had leadership roles in Risk Management, Data Analytics, and Investment Research. Kapil is known for his strategic thinking and ability to build strong client relationships. He has a proven track record of success in scaling operations, developing innovative solutions,and motivating teams.

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Nagesh Mandarthi Adiga

Head - Data Science

Nagesh is a highly skilled statistician with a wealth of experience and expertise in the field of data analysis. He holds an Engineering degree and a Ph.D. in Statistics, with a research focus on experimental design. With over 10 years of experience in statistical analysis, including academic research, Nagesh possesses a deep understanding of data analytics and statistical modeling.


As the Head of Data Science, Nagesh plays a pivotal role in empowering lenders with advanced analytics and data-driven insights. His expertise has been instrumental in developing personalized experiences for consumers, identifying responsible gameplay, and prioritizing product innovation. With an affinity for hyper-personalization, Nagesh advocates the use of ML techniques to enhance user experiences. Nagesh’s journey also includes significant work at renowned organizations such as Games24x7, Razorthink Technologies, and PayPal, where he contributed to the development of fraud detection models, credit risk assessments, and deep learning models for product innovation.


Nagesh’s Ph.D. work involved experimental design and statistical consulting, leading to published papers in both statistical and engineering (nano technology) journals. His specialties encompass a wide range of areas, including credit risk,  fraud detection, consumer behaviour modeling and product innovation. He holds an impressive academic background, having studied at prestigious institutes like Georgia Institute of Technology, ISI Kolkata, and NITK Surathkal. In his professional journey, Nagesh has demonstrated excellence in delivering machine learning models that impact the financial sector positively. His contributions include credit risk and fraud detection models that significantly influenced company bottom lines. With a profound understanding of consumer behavior, Nagesh leverages exogenous consumer information to optimize product experiences and maximize business outcomes.


In addition to his statistical and analytical prowess, Nagesh enjoys exploring other interests like fast math, Vedic mathematics, badminton, and learning spoken languages. His diverse skill set and commitment to delivering data-driven solutions make him an invaluable asset to our organization.

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Hitesh Bhanu

Senior Vice President - HR

Hitesh is a seasoned banker with over 20 years of experience in retail branch banking, currency chest management, and ATM operations. He has worked with top private sector banks including HDFC, ICICI, and Axis. Hitesh holds an honors degree and a Master’s degree in finance. With his extensive expertise in the banking industry, he brings a wealth of knowledge and experience to his role.

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Arpit Kumar Sharma

Director

Arpit is a Banking Technology expert with over 16 years of rich experience. In his career, he focused on technological advancement and implementing IT as a key enabler in the banking sector. His valuable contribution to the IT Sector was duly acknowledged and he was awarded with the Best IT Head award in 2016 by Banking frontiers . He began his career with Nelito System Limited ( TCS Subsidiary) and held various leadership positions throughout his career, including his last stint as Vice President (IT) – AU Small Finance Bank , Deputy Vice President (IT) Bandhan Bank, Head IT Shivalik Small Finance Bank formerly known as Shivalik Mercantile Cooperative Bank Ltd. He holds a Bachelor degree in Computer engineering.

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Raja Reddy

Head of Delivery

Raja Reddy comes with 17+ years of hard-core experience in Implementation and System Support, his core area of interest includes Implementation of LOS, LMS, TCS BaNCS (For Capital Markets), and Customer Mobile App. He has experience in the Capital Markets, Asset Management, and Financial Services Domain.





Raja has been a part of organizations such as Adani Capital, Axis Securities, Thomson Reuters, AllianceBernstein and BSE IT to name a few. His Techno-Functional experience not only equips him in understanding client’s needs and requirements but also fulfilling them with the best available solution and support. He is good at implementing integrations with any third-party systems seamlessly.

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Sandeep Vellarikkat

Head of Alliances & Innovation

Sandeep Vellarikkat, our Head of Alliances & Innovation, is a seasoned professional with over 20 years of experience in the field. As a digital evangelist and a PMP certified executive management professional, Sandeep has demonstrated his expertise in setting up product policies, processes, and operational frameworks for businesses.


Throughout his career, Sandeep has had the opportunity to travel extensively across the country, allowing him to interact with key stakeholders in the retail consumer finance market. This exposure has provided him with a deep understanding of the business drivers, market forces, competition, and regulatory framework impacting the retail and consumer finance sector. His insights and knowledge have been instrumental in developing successful go-to-market strategies, driving business line growth, and implementing effective risk management strategies.


Sandeep has worked with reputable institutions where he has made significant contributions to the establishment of retail loan products, including two-wheeler loans, used car loans, loyalty programs, and consumer durables financing. His ability to design and execute innovative strategies has played a crucial role in the success of these product offerings.


Outside of work, Sandeep enjoys spending time with his family and friends, engaging in short travels, interesting conversations, and indulging in his love for music and movies. His diverse interests and experiences contribute to his well-rounded perspective and creative thinking in driving alliances and fostering innovation within our organization.

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Vivek Naidu

Founder & CEO

Vivek Naidu, a first-generation entrepreneur, is the driving force behind Hotfoot’s mission to revolutionize the way people access loans. With a profound vision and determination, Vivek embarked on this entrepreneurial journey, drawing on his 15 years of invaluable experience in the realms of Banking and Information Technology.


Throughout his career, Vivek has held pivotal roles with esteemed institutions such as Citibank and Barclays, gaining extensive expertise in Banking Sales, Credit Evaluation, Score Based Decisioning, Digitization, and Automation. His deep understanding of these domains enables him to shape Hotfoot’s platform, enhancing the borrowing experience and addressing crucial aspects like financial inclusion, catering to new-to-credit individuals, and leveraging surrogates and additional data for lending decisions.


At the core of Vivek’s leadership philosophy is an unwavering passion for customer service. He firmly believes that personalized attention and exceptional customer experiences are key differentiators and powerful competitive advantages for any company. With his dedicated team and employees, Vivek strives to create an environment where customers receive the utmost care and attention, setting Hotfoot apart in the industry.


Vivek’s vast experience and extensive network have paved the way for Hotfoot’s success, driving innovation and pushing the boundaries of what is possible in the lending landscape. His entrepreneurial spirit, coupled with his relentless pursuit of customer-centric solutions, positions Hotfoot as a trusted partner in the lending industry.


Under Vivek’s guidance, Hotfoot is poised to revolutionize the lending landscape, empower individuals with convenient access to loans, and redefine the standards of personalized customer service. With a strong focus on innovation, financial inclusion, and unparalleled customer experiences, Vivek and his team are reshaping the future of lending.

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Harshal Vora

Head of Domain & Commercials

Harshal Vora, our Head of Domain & Commercials, brings with him over 18 years of extensive experience in the BFSI (Banking, Financial Services, and Insurance) industry. Having worked with prominent organizations like L&T Financial Services and Adani Capital, Harshal has played a pivotal role in shaping the retail finance business and driving growth.


Throughout his career, Harshal has made significant contributions across various domains, including product development, operations, business strategy, collections, PMO (Project Management Office), HR, and finance. This diverse background has equipped him with a holistic understanding of the industry and positioned him as a go-to person for solutioning and addressing complex challenges.


Harshal’s expertise and knowledge have earned him a reputation as a trusted advisor and a valuable resource within the organization. His ability to navigate different facets of the business and provide strategic insights makes him an invaluable asset to our team.

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GV Krishnan

Director of Delivery

G V Krishnan, brings a wealth of experience in software design and development spanning over 20 years. With a strong background in product development, talent management, and strategy, Krishnan has a deep understanding of the intricacies involved in delivering successful software solutions.


Krishnan is widely recognized as an expert in architecture assessments and re-architecting paths for digital modernization. He has a keen interest and expertise in emerging technologies such as mobility, IoT, and public clouds, enabling him to guide our teams towards innovative and cutting-edge solutions.


Passionate about delivering solutions that are not only innovative but also process-oriented and fit for purpose, Krishnan continuously seeks to collaborate with the best-in-class software teams. His commitment to excellence and his ability to drive successful project outcomes have earned him lead roles in technology and project management for global clients in industries such as Communication, Energy, and Base Metal Commodities.


Krishnan joined Hotfoot in 2019, bringing his extensive experience and expertise to our organization. With his strategic mindset and hands-on approach, he plays a crucial role in ensuring the successful delivery of projects and driving the growth and success of our company.

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Vishnupriya Ranganathan

Head of Products & Data Intelligence

Vishnupriya Ranganathan is a seasoned Product Leader in the Fintech industry with a remarkable career spanning over 13 years. She has been at the forefront of developing innovative financial solutions tailored to the needs of Micro, Small, and Medium Enterprises (MSMEs). As a customer champion, Vishnupriya has played a vital role in launching next-generation lending products that specifically cater to the underserved MSME market.

With a deep understanding of Artificial Intelligence (AI) and Machine Learning (ML) technologies, Vishnupriya has been instrumental in creating cutting-edge products that revolutionize lending for MSMEs. Her expertise in leveraging Fintech solutions has empowered businesses to navigate challenging economic conditions and achieve sustainable growth. As a skilled Product Manager, she has effectively utilized data insights to drive customer-centric product development, ensuring that the unique financial needs of MSMEs are met.

Before joining the team, Vishnupriya held key positions at prominent companies such as PayPal and FICO, where she honed her expertise in the Fintech industry. Her diverse experience has equipped her with the knowledge and insights needed to drive innovation and streamline lending processes, ultimately making them more efficient and cost-effective. Vishnupriya’s contribution to the field has been invaluable, and her passion for creating impactful solutions continues to propel the industry forward.

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Rajesh Venkatesan

Co-Founder & CTO

With over 20 years of experience, Rajesh is a passionate advocate for technology and its applications. He began his journey in the technology industry by building products and platforms and played a key role in driving technology adoption across teams.


Rajesh’s expertise lies in developing intellectual properties that generate non-linear revenue in the IT services industry. He has successfully architected platforms that integrate various components, including cloud flexibility, global compliance requirements (such as PCI, HIPAA, and DPA), open-source technologies, and existing enterprise technology investments. His contributions have led to transformative initiatives for multiple Fortune 500 customers across different domains. Despite his leadership role, Rajesh remains actively involved in design and coding, ensuring that the products his team builds make a meaningful difference in people’s lives.


As a first-generation entrepreneur, Rajesh holds four patents in product, platform, and cloud technologies, demonstrating his innovative thinking and problem-solving abilities. He is TOGAF certified and has a keen interest in enterprise architecture and transformational programs. Additionally, Rajesh is a certified AWS Architect with extensive experience in cloud architecture, having spent nearly a decade exploring and implementing cloud solutions. He has also shared his expertise on cloud architecture in public forums.


Rajesh firmly believes that the financial services industry is on the cusp of experiencing the best of digital and analytics capabilities. He recognizes the need for customer-focused solutions in the lending industry, which is still largely reliant on paper-based processes and inward-focused systems. With this vision in mind, Rajesh aims to build Hotfoot Technology Solutions as a customer-oriented company.


Outside of work, Rajesh enjoys spending time with his daughter and has a passion for travel. He finds great value in understanding different cultures and lifestyles. Rajesh holds a Master’s degree in Computer Applications, further solidifying his technical expertise and knowledge.

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