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Simplified Risk Monitoring

A comprehensive credit risk monitoring solution and AI-augmented financial Early Warning System that gives lenders data-backed insights for better risk mitigation and easier customer/portfolio monitoring
Start with a free 2-week trial

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Tracking portfolio risk consuming all your free time?

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Monitoring the vast digital ocean for customer red flags exhausting you?

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Outdated risk profiles leaving you vulnerable?

 
 

It’s time to try the TRaiCE way!

Gathering, processing, and analyzing the data needed for comprehensive business risk monitoring is a tedious, error-prone process. TRaiCE solves this critical problem faced by lenders and investors like you every day. It does all the work to give you real-time, data-backed actionable insights and risk predictions that can improve your profit margins and put you miles ahead of the competition.

Data shows that monitoring just the top 5% of risk-prone customers gives 50% loss coverage. TRaiCE can monitor 100% of your portfolio. Now get more loss coverage without the extra work that comes with it!
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REAL-TIME, GAP-FREE PORTFOLIO MONITORING

Our AI-augmented engine instantly processes large datasets with quantitative and qualitative parameters. Objectively monitor your entire portfolio daily and leave false positives & false negatives behind

Get comprehensive & effortless business risk monitoring with TRaiCE

 
Recent Case Studies
Who we are

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 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!

Leadership
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Geetha Ramaswamy

Co-Founder / Chief Technology Officer

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.

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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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Advisors

Rajat Bhatia

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Advisor

Rajat is a serial entrepreneur and veteran investment banker. In his 3-decade long international career, Rajat worked for top-tier investment banks such as Lehman Brothers, Merrill Lynch Capital Markets, and Citibank and consulting firms such as Booz Allen Hamilton and Andersen Consulting. Along with his financial expertise, Rajat brings with him an entrepreneurial spirit that has seen him successfully launch several companies in the United States and India. He currently serves as the Founder and CEO of Neural Capital, a boutique investment management firm. In his spare time, Rajat also dons the hat of educator and mentor. He is the dean of the School of Financial Engineering at the Indian Institute of Quantitative Finance and regularly mentors startups. Rajat is also an international speaker and has appeared on the panel of several financial forums. He is an alumnus of the Indian Institute of Management, Ahmedabad and Columbia University, New York.

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Madhur Mehta

Advisor

Madhur is an entrepreneur and seasoned investment banker. Before he founded his company, MSPL Consulting, Madhur worked with Standard Chartered Bank and JP Morgan Chase. Having worked and lived in Mumbai, New York, Spain, Finland, Hong Kong, and Singapore, Madhur brings with him a global perspective on capital and credit markets worldwide. At present, he helps companies scale up and prepare for capital raising. Being a shark tank winner for a project that went MVP, he is passionate about how tech can influence and enhance people’s professional and personal lives. Madhur is an alumnus of IESE Business School and Syndenham College of Commerce and Economics.

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Jeomoan Kurian

Advisor

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.

Anish Mohammed

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Advisor

Anish is a technologist with a multidisciplinary background. He is a 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.

Our Story
1991

Fast forward to 2016, and the duo decided to stress test their 25-year association by starting a business together! They combined their 20+ years of IT experience to co-found Menerva Software.

2018

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.

TRaiCE won the ‘Emerging Technologies’ award at the Qatar Fintech Hub Hackathon. We remain committed to improving & expanding the capabilities of our groundbreaking solution. The best is yet to come!

2020

About 30 years ago, two strangers met in the dusty town of Kollam, Kerala, and became best friends. We’re talking about our founders Geetha Ramaswamy and Sony Gabriel, who met in engineering college.

2016

Necessity, as they say, is the mother of all inventions. Working with financial clients, the co-founders discovered that most financial institutions lacked a comprehensive business risk monitoring tool

2019

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

2021
 
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