The team

The people behind Fulcrum.

A founding team that has lived the local-retail problem, backed by advisors who have built and scaled some of the most trusted names in fintech, banking and technology.

Founding team

Built by the people who answer for it.

The two people accountable for every decision Fulcrum makes - product, promise and the relationships you put in our hands.

Ravi Kumar

Ravi Kumar

Founder

30 year career across accounts, finance, sales, marketing, PR, media relations, franchise development, personal finance advisory with first-hand experience running small retail formats - former owner of cyber café, library, automobile service & QSR. Passionate about making small / micro neighbourhood business owners get visibility and sustainability, via Fulcrum Retail Solutions.

Deepak

Deepak

Co-founder

The quiet but persistent filter behind Fulcrum Retail. Ensures we talk less about ourselves and more about our network store owner’s discoverability, revenue generation and sustainability. Believes in asking 2 questions: “Will our solution help our partner store?” and “Will this add value to a customer’s spend?” Spirited customer advocate - can put himself in their shoes faster than you can say, “get, set, go”! Car enthusiast, bike lover and travel enthusiast.

Advisors

Guided by decades of hard-won judgement.

Operators and builders from Google Pay, Uber, Cisco, KPMG and India's leading financial institutions - the same instincts now shaping how Fulcrum grows.

Arvind

Arvind

Founding Team, Fi Money · ex-Google Pay

Two decades across consumer finance at Standard Chartered, Citibank, PayPal and Google Pay - where he ran Finance & Analytics for one of Google's fastest-growing products globally. He now sits on the founding team at Fi Money, one of India's first digital banks.

Guides Fulcrum on product, growth and operations.

Fi MoneyGoogle PayPayPalCitibankStandard Chartered
Ganesh Jayadevan

Ganesh Jayadevan

CTO, Sahamati Foundation · ex-Cisco, IBM, AT&T

35 years of global leadership across Fortune 500 tech giants and high-growth startups, scaling business revenues from $5M to $35M. Holder of multiple granted US patents in VoIP and telecom architecture, and today CTO of Sahamati, the self-regulatory body for 1,400+ entities in India's Account Aggregator ecosystem.

Guides product-market fit, roadmap and high-volume scaling.

SahamatiCiscoIBMAT&TMahindra Comviva
Ramakrishnan Venkateswaran

Ramakrishnan Venkateswaran

Strategy Advisor · BFSI veteran & angel investor

41 years operating experience across Central Government, Private Banks, NBFC lending, Strategy Consulting, Business Advisory and Mentoring. He Has founded 4 companies, Is an Angel Investor, part of leadership in AIF-2 fund and also serves as Independent Director.

Guides pricing models, unit economics and go-to-market strategy.

BFSIRiskNBFCFund-raisingBoard advisory
Vivek Vittal Murthy

Vivek Vittal Murthy

Program Management Leader · Uber India, ex-KPMG

Close to two decades leading cross-functional teams and operational excellence. At Uber he runs a global capability center automating operations across business lines; previously he advised large clients on operating models, finance transformation and sourcing strategy at KPMG. MBA, Asian Institute of Management.

Guides operations, product and customer delivery at scale.

UberKPMGOperationsTransformation

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