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Built on Experience.
Engineered for Impact

Pranovate partners with fintechs, NBFCs, and financial institutions to solve complex growth challenges through strategic insight, domain expertise, and execution-led advisory. We also deliver Distribution-as-a-Service and deep industry connections that accelerate partnerships, unlock new revenue streams, and enable faster go-to-market.

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Led by Operators Who Have
Delivered Growth at Scale

Pranovate brings together decades of experience across lending, fintech, risk,
digital transformation, partnerships, capital, and financial services.
We combine strategic thinking with hands-on execution experience built from
scaling businesses across the BFSI ecosystem.

25+

Years of BFSI Leadership
Experience

100+

BFSI Enterprise Collaborations Enabled
for Our Fintech Partners

Leadership That Understands Growth First-Hand

Pranovate is led by professionals who have spent their careers building businesses, driving transformation,
and enabling growth across the financial services ecosystem.

Pratyush Chandramadhur

FOUNDER & MANAGING PARTNER

Pratyush brings 25+ years of experience in building and scaling businesses across BFSI and fintech, with deep expertise in growth, risk, and decisioning infrastructure.

He has held leadership roles at Clix Capital, AuthBridge, Hero FinCorp, Experian, Bajaj Finance, and GE Capital, contributing to India’s credit infrastructure development and digital onboarding ecosystem. Over his career, he has built and scaled high-impact platforms serving 100+ enterprise clients across financial services.
At Pranovate, he drives strategic growth, ecosystem partnerships, and execution-led outcomes for fintechs, NBFCs, and digital lenders. As a trusted partner to founders and leadership teams, he enables clear growth direction, scalable operating models, and decisive execution across complex and evolving markets.

Our Practice Leaders

Our network of industry leaders and practice heads brings deep expertise across lending, regulatory advisory, capital, talent transformation, fraud management, and operational excellence.
Together, we help organisations solve growth challenges from multiple dimensions while staying firmly aligned to business outcomes.

Vikrant

Principal Advisor Risk & Fraud Management

With 30+ years of experience in fraud, operational risk, and compliance, he specializes in strengthening processes and regulatory alignment, with expertise in enterprise service management and risk frameworks to drive operational excellence.

Mridul

Principal Advisor
Talent & Transformation

With 22+ years of experience across industries, he is an XLRI alumnus and former Group CHRO. He specializes in aligning business strategy with talent to drive scalable, high-performance organizations.

Vinay

FCA, CWA, CS Principal Advisor – Regulatory, Compliance, FP & A

With over 30 years of experience in regulatory, compliance, and advisory services, he brings deep domain expertise. He specializes in RBI, SEBI, FEMA, and pre-IPO capital structuring, with strong expertise in NBFCs, AIFs, cross-border transactions.

Prashant

Practice Head, Debt Advisory 20+ years Lending Experience

BFSI professional with 20+ years of experience and Founder of KP Advisors, specializing in debt, equity, and impact funding, with prior roles at Authbridge, Hero FinCorp, Yes Bank, and ICICI Bank, focusing on lending, underwriting, and business growth.

Impact-Driven Portfolio

Supporting Businesses Across The BFSI Landscape

Our work spans Analytics Infrastructure, API Services, Insurtech, AI Enabled Solutions, Debt Management
Solutions, Talent & Transformation, and Regulatory, Compliance, FP&A & Debt and Equity Finance across
BFSI and fintech platforms.

Data Sutram

Data intelligence platform focused on alternate and trust-based data to enable smarter decision-making in BFSI. Supporting go-to-market strategy and ecosystem adoption to drive wider usage across lending and risk functions.

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BillCut

Strategic leadership for an AI-led loan management platform focused on optimizing credit portfolios and improving lending efficiency. Driving initiatives across credit risk analytics, collections strategy, and customer lifecycle management to enhance portfolio performance and financial outcomes.
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Care.fi

Advising a digital healthcare financing platform enabling seamless access to medical credit. Supporting strategy across embedded finance, lender partnerships, and customer experience to expand affordable healthcare access and drive sustainable growth.
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Turtlefin

A full-stack insurtech platform that helps banks, insurers, NBFCs, fintechs, and e-commerce companies digitize and scale their insurance distribution. They provide white-label insurance platforms + APIs that enable enterprises to sell, embed, and manage insurance products end-to-end.
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Nupay

A banking grade payments and digital infrastructure platform that helps Banks, NBFCs, Fintechs, and regulated financial institutions digitize and automate the entire customer lifecycle — from onboarding and verification to mandates, collections, payments, payouts, and settlements.
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Digitap

A leading full stack AI/ML API platform for digital onboarding, risk assessment, and alternative data driven credit underwriting for BFSI and fintechs. They facilitate lenders onboard customers faster and underwrite them smarter using AI + alternative data.
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ClearDu

ClearDu operates as a full-stack debt recovery and resolution platform that combines AI-led borrower outreach, machine-learning models, field collections, and automated legal workflows to help financial institutions recover overdue loans faster, more efficiently, and with regulatory compliance.
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TartanHQ

A real-time employment and income data infrastructure platform that helps banks, NBFCs, fintechs, insurers, and employers verify a customer’s income, employment, work history, and financial profile instantly through secure, DPDP compliant API connections. India’s leading “employment data rails,” enabling lenders and insurers to make faster, more accurate, fraud-free decisions.
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Let's Build What's Next

The future of financial services will be shaped by businesses that combine strategic clarity with disciplined execution. If you’re building, scaling, or transforming your business, we’d love to be part of that journey.

Let’s build your operating advantage.
Start a conversation.

Let’s build your operating advantage.
Start a conversation.