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About OYE

Our Mission:

Empowering Lives

Empowering lives is about enabling credit so our customers can build a better financial future. Empowering the new-to-workforce is about providing solutions that meet the credit needs of under-served parts of society affordably and responsibly. Empowering people is about ensuring that we always treat customers fairly, helping our customers when they need it most by providing timely access to credit and providing affordable repayment plans.

OYE is committed to this mission by providing affordable credit to significantly under-served segments of India’s burgeoning formal and informal workforce, e.g., young professionals, blue/white collar workers, labourers and self-employed individuals.

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Digital Lending Experts

OYE is the coming together of a world-class team with a track record of building successful alternative lending and credit scoring businesses in India, the US and the UK.

Incubated by GAIN Credit, our DNA and experience run deep on efficiently and profitably serving under-served customer segments where managing risk/fraud with limitation to data is crucial. OYE takes pride in its proprietary risk models, frameworks, and governance structures built over decades to ensure we minimize risk and eliminate fraud in the markets we serve. Furthermore, being a digital-first company, we understand the need to continually innovate our tech stack to deliver digital experiences that place a premium on timely, low-cost and frictionless access to credit. Finally, to profitably serve India’s demand for small-ticket personal loans, OYE recognizes the need to be best-in-class across all aspects of a digital lending operation from customer acquisition to fraud detection/risk control to loan servicing and finally collections. As such, we have built in-house or partnered with some of the most advanced technologies available in the market to enable rapid automation and scale.

All this, to ensure our customers receive the best credit products at the most optimal cost.

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Passionate, Humble, Detail-Oriented, Caring

These are some of the words that best describe Team OYE. We are a group of young (or young-at-heart!) individuals who want to make an impact in the lives of India’s burgeoning and youthful workforce by giving them access to affordable credit.

We are a humble and approachable lot who love engaging on the many problems that need to be tackled on a daily basis. Team OYE is intense when it comes to delivering the most innovative credit solutions in the market today. We focus on building cutting-edge digital lending technologies ranging from machine learning-based credit/fraud scoring models to big data/cloud-based scalable loan underwriting and management systems. Finally, we strive to do all this in a professional and caring environment that ensures everyone can contribute to OYE’s growth while maintaining an excellent work-life balance.

Do these words resonate with you? We’re hiring and would love to meet you!

Our Values


Customers are at the heart of everything we do. We continuously strive to understand customer needs in order to provide compliant, responsible access to credit.


We actively experiment and pursue innovative ideas to improve our customers’ lives, learning from both our successes and failures.


We stand up for our convictions; we believe in offering different points of view. We debate respectfully in pursuit of our common goals, not just for the sake of it. We make our case and then fully commit to the decision, no matter what.


We take pride in our work. We take complete ownership for delivering the best results. We are vocally self-critical; when a mistake is made, we ask how we can make it better next time.


We are committed to the well-being of our people. Engaged and satisfied employees build great products and take care of customers.


We use facts and data to make decisions and create better outcomes. We move fast, recognizing that data can guide us, but fast decisions and action wins over a perfect decision.


We rigorously seek out the best talent and develop our people through supporting, mentoring, and inspiring each other to achieve our full potential.

Leadership Team

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Pradeep Rathnam, CEO & Board Member

Driving new lending opportunities through digital transformation

Pradeep brings 20+ years of experience in India consumer finance across leading companies, including Citibank, Bajaj Finserv, and Aegon. He most recently served as the Head of COE (Centre of Excellence) for B2C businesses at Bajaj Finserv, where he designed, developed and implemented new capabilities across business verticals to enable rapid profit growth. Before Bajaj Finserv, Pradeep was the CEO at Rupee Zone, a leading retail lending platform in South India. Before Rupee Zone, Pradeep spent significant time in leadership roles managing lending operations, sales & distribution and marketing within AEGON Insurance and Citibank India.

Pradeep is a cricket buff (who still prefers test cricket over other formats), has a penchant for a good sense of humour, and prefers to work with his sleeves rolled up.

Favourite quote: “There is no more neutrality in the world. You either have to be part of the solution, or you’re going to be part of the problem” – Eldridge Cleaver

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Rizwanul Haque, CTO

Building robust digital solutions to offer a frictionless customer experience and back it with capabilities to identify fraud signals

Rizwan is an accomplished IT leader with 22+ years of proven track record in both technical and senior management roles with comprehensive experience in building and managing large scale transactional enterprise applications. Recently he was Sr. Director at GSN Games where he rebuilt the gaming tech stack on micro-services architecture and launched successfully. Previously, he was Director – Engineering (Data) at Gwynniebee. He headed the Bangalore centre, setting it up from scratch and was responsible for Big Data platform, Data Science based applications and Hadoop based Data-warehouse.

Solving for data is one of the largest problem most Fintech’s face, especially in lending space and that’s what excites Rizwan the most.

Rizwan was a Left Arm Medium pacer and a south paw batsman in cricket, also represented the state in Hockey. He has now moved to Tennis and can challenge seasoned players a bit now.

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Vikash Kumar, VP – Risk, Analytics & Product

Building accuracy and unique strategies through Analytics

Vikash brings 10+ years of experience successfully building and scaling digital lending products. He has deep expertise in predictive analytics for the purposes of credit scoring and fraud detection, especially when dealing with riskier customer segments where limited data sets are available. Prior to OYE, Vikash was with OYE’s parent company GAIN Credit where he most recently served as the Director of Risk Analytics. In this role, Vikash led a team of 30+ individuals to ensure risk and fraud were tightly under control as GAIN tripled the size of its sub-prime portfolio in the UK. Vikash was also instrumental in the design, development and launch of GAIN’s near-prime line of credit product which is also scaling rapidly in the UK.

Vikash strongly believes that India retail lending market is poised for exponential growth and the timing is perfect to build a digital lending solution with advanced analytics as its fulcrum.

Vikash loves to spend quality time with his family and, whenever he gets the opportunity (and the time), he loves to cook for his family and friends!

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Avin Sharma, Vice President - Partnerships

Building strategic business partnerships and product alliances

Avin brings 15+ years of experience working in various roles across Financial Services and IT industries. Prior to joining Oye, Avin spent over 8 years at Infosys across India and the US in Consulting and Sales roles working with many Fortune 500 Financial Services organizations. As a Lead Solutions Consultant and Client Partner for the BPM unit, he managed strategic client relationships and worked on multiple assignments leading cross functional teams in finding creative solutions to complex client problems. His approach of building strong partnerships and consultative selling were instrumental in building a strong revenue portfolio. Prior to Infosys, Avin spent several years at Citibank and Kotak Mahindra Bank across Consumer Lending, Business Banking, and Wealth Management functions. Avin is an ardent sports fan and also loves traveling and photography. He has traveled to over 30 countries as a solo backpacker and strongly believes that travel is the best form of education.

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Mukund Venkatesh, Board Chairman (MD India, GAIN Credit)

Building great products, valuable companies, and most importantly phenomenal teams

Mukund manages a team of more than 500 professionals in GAIN Credit’s India offices, who are responsible for its analytics, platform development and consumer lending operations.

Mukund has extensive sales, marketing and operational leadership experience across the high-tech supply chain. Prior to joining GC, Mukund co-founded Pivotal Systems (ASX: PVS), a semiconductor equipment provider focused on advanced process control systems and high precision gas flow controllers. Prior to Pivotal, Mukund was with McKinsey & Co., where he led several business building, sales growth and operational improvement efforts.

When he is not busy working, you can find Mukund on the squash court, soccer field or at the beach surfing the Chennai waves.



OYE’s primary investor and incubator is GAIN Credit. GAIN Credit is a leading fintech company focused on providing alternative and friction-less credit solutions to under banked customers in the UK that do not have adequate access to mainstream banking services. GAIN Credit’s consumer-facing brands, Lending Stream and Drafty, are the leading credit offerings in the markets they serve with some of the highest customer ratings. GAIN Credit is backed by leading US-based fintech investors and has significant development and production facilities in Chennai and the National Capital Region (NCR), India.

GAIN Credit’s Investors:

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