GAIN Credit Leadership

Former founder & CEO of Global Analytics (aka GAIN Credit) and Managing Director of Lending Stream, a leading fintech company which focuses on serving underbanked consumers in the UK. GAIN Credit, with its subsidiary Lending Stream, is one of the largest consumer installment lenders in the U.K. Krishna was also responsible for revamping the underwriting of Kabbage for small business lending, integrating AI and helping raise Kabbage’s valuation to unicorn status. Prior to that, Krishna invented FICO’s Falcon fraud detection system and led a team of 100+ people to create what became the industry standard in credit card fraud detection. Krishna has 25+ years of experience in AI and data science and has authored multiple patents. His 1998 patent on “Risk Determination and Management Using Predictive Modeling and Transaction Profiles for Individual Transacting Entities” has been cited by over 680 other patents. Krishna earned a M.Math. in Computer Science from the University of Waterloo in 1988.

Chief Financial Officer of an alternative finance company, 2010 to current: since joining, we have raised $40 million of debt and $25 million of preferred equity

Investment banking, 2001 to 2010: 100+ underwritten securities offerings for publicly-traded, non-bank financial services companies (mostly common, with some preferred and debt)

Investment banking, 1996 to 2000: High yield leveraged finance focus, as well as non-investment grade syndicated loans

Former founder & CEO of Global Analytics (aka GAIN Credit) and Managing Director of Lending Stream, a leading fintech company which focuses on serving underbanked consumers in the UK. GAIN Credit, with its subsidiary Lending Stream, is one of the largest consumer installment lenders in the U.K. Krishna was also responsible for revamping the underwriting of Kabbage for small business lending, integrating AI and helping raise Kabbage’s valuation to unicorn status. Prior to that, Krishna invented FICO’s Falcon fraud detection system and led a team of 100+ people to create what became the industry standard in credit card fraud detection. Krishna has 25+ years of experience in AI and data science and has authored multiple patents. His 1998 patent on “Risk Determination and Management Using Predictive Modeling and Transaction Profiles for Individual Transacting Entities” has been cited by over 680 other patents. Krishna earned a M.Math. in Computer Science from the University of Waterloo in 1988.