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Early Risk Alerts

An Early Warning Entity Risk Monitoring System 
An EARLY WARNING DEFAULT risk monitoring system that augments financial data of entities and assists financiers with customer and portfolio monitoring, and risk mitigation.

Why Us

We RANK ORDER your customers based on their DEFAULT RISK
You see visibility to internal performance + augmented data in 1 place
We detect risk while you sleep! 
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Real-Time Risk Monitoring

  • Early warning alerts for HIGH-RISK customers
  • Calculate individual client risk for next 3 to 6 months
  • Daily risk analysis for your entire portfolio

Reporting Key Measures Daily

  • DEFAULT Risk Level
  • Probability of Loss
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  • Expected Loss

Automating Customer Management

  • Client-specific actionable suggestions
  • Automatic loan renewal
  • Allowance calculations, and covenant monitoring
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How it Works

Portfolio DEFAULT RISK Monitoring
Is Inefficient And Costly.

Most of your time, effort, and budget goes into sourcing and underwriting new clients, but you still lose hundreds of thousands or millions in defaulted loans annually.

And that was before the global crisis.
In today’s world, you need real-time insights to manage your client portfolio and
mitigate your risk of losses.

About Us

We are a team who passionately believe there’s a better and more proactive way of monitoring your credit portfolio.  We’re firm believers in TRaiCE’s ability to make life easier for lenders and investors everywhere and are on a mission to prove just that!
Our Story


Less talk, more action

Fast forward to 2016, and the duo finally decided to walk the talk (and stress test their 25-year association!) by starting a business together. They combined their 20+ years of IT experience to co-found Menerva Software, a software company that creates custom data-driven solutions for businesses of all sizes. Their goal was to help their customers gain a competitive edge with their customized data analytics solutions. In the coming years, they carefully acquired a 30-member expert team and many long-term clients.


How we got there

With faith in their combined experiences and in their expert team of analysts and developers, the duo forged full steam ahead in their quest to build a customized, AI-augmented risk monitoring solution. The TRaiCE team worked in close collaboration with professionals in the financial industry to find out their pain points and design their application accordingly. This is what makes TRaiCE a tailor-made solution for financiers. Its features aren’t just a product of our collective imagination but were carefully designed to meet very specific needs in the financial sector.


To infinity and beyond!

TRaiCE is a groundbreaking tool that will preserve billions of dollars globally for the financial industry.  In February 2021, it won the Qatar Fintech Hub Hackathon under the category: “Leveraging Emerging Technologies for Optimizing Cost and Reducing Risk.” With TRaiCE, Geetha and Sony have created a game-changing solution for lenders and investors around the world. Rather than rest on their laurels though, they are committed to improving their solution and expanding its capabilities such that it can help professionals from other industries too. The best is truly yet to come for us!


A long time ago…

About 30 years ago, two strangers met in the dusty town of Kollam, Kerala and became best friends. We’re, of course, talking about our founders Geetha Ramaswamy and Sony Gabriel, who met in engineering college and bonded over their love for classic rock music and solving puzzles. The pair always joked that they would one day start a business together.


The TRaiCE journey begins

Necessity, as they say, is the mother of all inventions. While working with numerous clients in the financial sector, Geetha and Sony, kept encountering a common problem. Financial clients, especially lenders and investors, constantly bemoaned their inability to be more proactive with their financial risk mitigation tactics. The co-founders learnt that current credit monitoring processes were heavily reliant on manual methodologies and used lagging risk indicators that sometimes left their clients feeling 10 steps behind.  

“There must be a better way” thought Geetha and Sony.

And so, the journey began to build an early-warning risk mitigating system that would meet and address this very prescient pain point for financial institutions everywhere.


A proud moment

TRaiCE was officially launched on July 1,  2020. A very proud moment for us indeed!

Our Values

American investor John Doerr once famously said,

“Ideas are easy, execution is everything, and it takes a team to win.” 

The TRaiCE team lives and breathes by this motto. We know the value of an idea lies in its execution and not just in its inception. It is this focused ideology that allows us to be on the path of continuous innovation and execution. We also value teamwork and collaboration. TRaiCE was created in a collaborative environment, where team members were (and continue to be) valued and celebrated for their contributions.

For us, team work truly makes the dream work!


Geetha Ramaswamy

Co-Founder / Chief Technology Officer

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A self-confessed bibliophile, Geetha is an experienced technical architect and product manager with over 25 years of experience in the IT industry. Before the entrepreneurial bug bit, she worked as a Senior Architect at AT&T, USA, and as a Technical Product Manager and Senior Architect at Saggezza Inc, USA, contributing to their data practice and implementation. Her 2-decade long career has given her valuable experience in the key focus areas of architecture and implementation of data analytics solutions as well as consulting and product management. It has also given her domain expertise in the Telecom and Financial Services industries. Geetha holds a Bachelor’s in Computer Science and Engineering from the University of Kerala and a Master’s in Electrical Engineering and Computer Science from the University of Illinois at Chicago.


Sony Gabriel

Co-Founder / Chief Executive Officer

An outdoorsman, Sony has over 25 years of experience in the IT industry, where he has handled diverse roles like Pre-sales, Business Development, Marketing, Functional & Technical Consulting, Program Management, Account Management, and Operations Management. He has domain expertise in Billing & Settlement, Clean Technology, and Telecom and Financial Services. Sony’s professional experience ranges from working with product startups like Metratech Corp., US (now part of Ericsson) to IT Services majors like IBM Global Services. He holds a Bachelor’s in Computer Science and Engineering from the University of Kerala and has completed an Executive General Management Program from the Indian Institute of Management at Bangalore.

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Anish Mohammed

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Anish is a technologist with a multidisciplinary background – medical doctor, bioinformatician, security expert/cryptographer, researcher and strategy consultant. Anish has deep expertise in Artificial Intelligence, Blockchain, Big data, Cryptography, Robotics and Cybersecurity. Anish spent half his career researching cryptographic algorithms and protocols at three different research groups including Microsoft Research. He has also worked as a strategy consultant for Accenture and Capgemini. Anish is one of the founding members of UK Digital Currency Association (UKDCA). Anish is on the advisory board of a number of firms like Hyperloop Transportation Technologies, Arteia, Ripple Labs, Adjoint, Siglo, Protos Cryptocurrency Asset Management amongst others. He is also an author and regular speaker at international conferences on AI, Blockchain, and Robotics. He is a Singularity University GSP and Exponential Medicine alumnus.

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Jeomoan Kurian


Jeo is an expert in Analytics, especially Risk Management Analytics, with over 18 years of experience in Financial Services sector. He has worked with organizations like GE, HSBC, Wells Fargo and MUFG. Jeo was part of GE’s pioneering Analytics Centre of Excellence Group in Bangalore that developed statistical models for various GE global businesses. Jeo is passionate about applying data science to process improvement and believes that a rip-and-replace approach to analytics and technology infrastructure seldom works with organizations. Jeo specializes in decision engines, scorecard development, loss forecasting, modelling, data-driven policy development, business intelligence and expert systems development. He is an alumnus of the Indian Institute of Technology, Mumbai.

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