Everyone’s Included!
The Finolet Vision.

Only 10% of our country’s population has access to formal credit. That leaves a staggering majority to fend for themselves financially, without enjoying the associated benefits of financial inclusion.

Finolet’s vision is to change those odds and truly empower the earning Indian.

We are committed to empower.

Finolet seeks to bring financial empowerment to every household, so that everyone can give wings to their dream, and reach for the stars. Our mantra is “Everyone’s Included” and we believe that financial empowerment and access to mainstream financial services is not just a requirement, but a fundamental right. Finolet is committed to making access to financial services easy, convenient and always based on informed decision-making, with our customers’ interests always at the forefront.
We believe in true democratisation of credit and that every person should have access to formal credit and must be a part of the financial services mainstream.
We are on a mission to bring financial services to every street, every nook and corner and indeed to every potential interaction that takes place.
Financial Empowerment. Everyone’s Included!

Meet Team Finolet.

We are a group of experienced Banking and Risk Management specialists, IT professionals, data scientists and distribution veterans committed to change the way credit and financial products are distributed.
Krish has over 2 decades of Retail Banking and IT experience across India, China, and the US. Krish was Director, Credit Risk Management-Asia, Deutsche Bank before turning entrepreneur. Krish is a MBA and has worked in varied roles in ANZ Grindlays, ABN Amro, HDFC Bank and Deutsche Bank and has been a part of the core Management teams for multiple new business launches
Krishnan Vaidyanathan
Founder & CEO
Krishnan Vaidyanathan has spent more than 2 decades in Banking, in leadership positions across top MNC and private sector banks.
Anil is a senior banking professional with 3 decades of Retail Banking experience across diverse functions and geographies. Prior to joining Finolet, he was heading the Retail Unsecured Lending businesses for IndusInd Bank, in addition to being the CMO for the organization. Over his career Anil has worked in senior management roles with Citibank N.A, Standard Chartered Bank, Deutsche Bank and IndusInd Bank, apart from a short stint in Private Equity. Anil is a qualified Chartered Accountant
Anil Ramachandran
Chief Business Officer
Anil has spent close to 3 decades in banking, in senior leadership roles in India, Asia-Pacific and the Middle East.