KUGELBLITZ PRIVATE LIMITED · LEADERSHIP

The people building lending's infrastructure.

Graviton is run by a team that has shipped it into production at 48+ banks and NBFCs. One conviction holds it together — lending in India deserves infrastructure, not paperwork — carried by three founders across strategy, engineering and operations.

2021 founded 48+ lenders live 8M+ applicants onboarded 2 offices — Jaipur & Bengaluru

THE FOUNDING TEAM

It started on a flight.

On a flight from New York to New Delhi, Hardik and Rishabh decided to build for India's financial systems. At 4 a.m., Ashish completed the founding trio. They've led the company from a single NBFC beta to a seven-product platform ever since.

CO-FOUNDER & CEO

Hardik Sarin

Sets the company's direction and carries its customer relationships. Hardik leads Graviton's strategy, product vision and customer success — on a mission to reshape how India's financial institutions build and deliver credit.

Strategy Product vision Customer success

"We didn't set out to sell software. We set out to give lenders the system of record their business actually runs on."

CO-FOUNDER & CTO

Ashish Verma

Leads the engineering vision behind Graviton: high-throughput, low-latency financial systems built for the next generation of credit. Ashish designs the distributed architecture, keeps the core accounting ledger fast and exact at scale, and builds the decision engines that bring real-time context to digital underwriting — in Java, Rust, Go and Python.

Distributed systems Core ledgers Decision engines

"Great lending institutions aren't just built on data — they're built on trust, scale and uncompromising system resilience."

CO-FOUNDER & VP

Rishabh Mehrotra

Turns deployments into partnerships. Rishabh leads business and operations — execution, client engagement, product adoption and market expansion — making sure every lender that goes live on Graviton stays and grows on it.

Operations Client success Growth

"Ten-week, full-suite go-lives aren't luck. They're what happens when the team treats the customer's timeline as its own."

THE WIDER TEAM

The team behind the founders.

Engineering, product, delivery and support across two offices — the people who take every lender live and keep them there.

The Graviton team gathered under the office sign

Paintings by the team laid out on a table

HOW WE LEAD

Four commitments the team is run by.

Honest solutions, lasting relationships

We'd rather scope a deployment honestly and keep a lender for a decade than oversell one and lose their trust in a quarter.

Designed for humans, not systems

Credit officers, collectors and finance teams use Graviton all day. Leadership stays close to that work, so the product stays usable — not just capable.

Infrastructure, not paperwork

The founding conviction, still the bar: every workflow we build should replace a manual, paper-bound process with a system a regulator can trust.

Ship to every lender, not the next renewal

Every institution on Graviton runs the same version and inherits each improvement — the roadmap is shared, documented and published, not held back for a contract.

2021

Kugelblitz incorporated

Co-founders

48+

Lenders in production

Offices — Jaipur & Bengaluru

Want to build lending infrastructure with us?

We hire in Jaipur and Bengaluru across engineering, product and customer success. Come help 48+ lenders run better.

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