About Us

At Cloud Lending Solutions are passionate about Financial Inclusion and the Borrower Experience.

We believe that the global lending industry is plagued by legacy technology and processes that did not evolve with the new generation of borrowers. Cloud Lending Solutions empowers financial institutions to deliver a borrower experience that is transparent, collaborative, and delightful.


Company objectives

Our vision

Enable financial services that are inclusive, responsible, and fair around the world.

Our mission

Deliver financial technology innovation that promotes client profitability and transforms the borrower experience.

Our values

We rely on our integrity, quality, and thoroughness to deliver outstanding results for our clients. Employee excellence is the foundation of our success.

Our Locations

US office

1 Waters Park Drive, Suite #240
San Mateo, CA, 94403
Phone: +1.650.918.0499

Australia office

33-35 Atchison Street
St. Leonards, NSW 2065

UK office

Level39, One Canada Square,
Canary Wharf, London,
E14 5AB

India office

Crescent 4, Floor No. 11, Prestige Shantiniketan, Sadaramanagala Village, Whitefield Main Road, Bangalore – 560 048
Phone: 080-43365055 / 080-43365155

Executive Team

Co-Founder & CEO

Snehal is recognized as a Fintech industry leader, technologist, and innovator. As co-founder & CEO of Cloud Lending Solutions, his passion is to help lending institutions maximize the value of cloud technology by digitizing the entire lending lifecycle to achieve operational efficiency, grow their borrower base, launch new lending products easily, and deliver a superior borrowing experience. He is a sought-after speaker at industry conferences and panels.He believes that only those financial institutions exhibiting agility in adopting technology advancements in the area of mobility, machine learning, big data and web/cloud apps will survive and eventually grow. Although ripping out legacy technology may seem impossible today, financial services companies that choose to retain that baggage will not be able to compete against the ones who don’t.Snehal envisions a financial services industry which keeps up with technology developments, innovates continuously, and applies these benefits for an improved customer experience. He wants to realize this vision via Cloud Lending Solutions.Snehal holds a master’s degree in software engineering from Carnegie Mellon University, USA. His experience with global technology companies such as Adobe and Oracle, and his passion for finance and technology, keep him involved in the design and creation of product roadmap at Cloud Lending Solutions.

Co-Founder & CTO

Darpan holds a master’s degree in software engineering from Carnegie Mellon University, USA. He has previously worked with global technology companies such as IBM and Oracle in the application development division for over four years. He co-founded Cloud Lending Solutions with Snehal and has been closely involved in every aspect of product strategy since the inception of the company, be it design, development, delivery and customer success. He is focused on creating business value through disruptive technologies such as cloud computing and mobility. He is a passionate programmer and has also worked as a researcher in programming languages at the Carnegie Mellon University. Darpan has been a critical team member in building an agile product line made for forward-looking financial institutions incorporating the S.M.A.C (Social, Mobile, Analytics, Cloud) technologies.

Chief Financial Officer

Steve is responsible for the finance and administration functions at Cloud Lending Solutions. Steve brings over 25 years of financial experience with technology companies, including 14 years in the SaaS/software industry. He has a proven track record of helping scale rapidly growing international SaaS companies, and building world class organizations.Prior to Cloud Lending Solutions, Steve was the Chief Financial Officer of Giga-tronics (NASDAQ: GIGA). Steve has also served in executive financial roles with SaaS/software companies Taulia Inc., SugarCRM Inc., and SumTotal Systems (formerly Docent Inc.).Earlier in his career Steve held financial management positions with the publicly traded companies ADAC Laboratories Inc., Phoenix Technologies and KLA-Tencor. Steve is a Certified Public Accountant (inactive) in the State of California, and holds a Bachelor of Sciences in Business Accounting from San Jose State University.

Chief Operating Officer

Sundar Nagarathnam has more than 20 years experience in the corporate world, having worked for larger enterprises to mid-size businesses to startups. He is a seasoned executive that has managed small & large teams globally, with a track record of operational and execution excellence, transformation & growth initiatives, innovation, turnaround, P&L, enablement, and team development. He has prior experience in a myriad of roles: software engineer, pre-and post-sales functions, and has also led product management.Sundar is joining us from Salesforce, where he was the SVP of Salesforce University. Prior to Salesforce, Sundar ran Global Professional Services & Education at VMware with a focus on accelerating customer adoption. He has had similar roles at NetApp, Hyperion, and Oracle. Sundar was also the COO for a startup, Medsn, earlier in his career.Sundar has a master’s degree in computer engineering from Syracuse University and a bachelor’s degree in electrical engineering from the Indian Institute of Technology, Madras.

General Counsel

Ileana Falticeni is responsible for Regulatory and Compliance at Cloud Lending Solutions with focus on driving compliance, privacy and information security initiatives for Cloud Lending Solutions’ internal compliance program and in product development. Ileana is a policy, regulatory and compliance expert in financial services, leveraging over 15 years of retail and investment banking experience to help technology companies rationalize and navigate the evolving regulatory landscape. Ileana was previously Managing Director, Global Co-Head of Origination and Financing Compliance for Barclay’s Bank and was a management consultant for Compliance and Regulatory transformation initiatives with TD Bank.

SVP Global Technology Services & GM of India

Leadership Team

Co-Founder and Head of Client Services
EVP - Lease
SVP Product Management
VP Marketing & Inside Sales
Head of NA Enterprise Sales & Salesforce Partnership

James leads global Salesforce partnership for Cloud Lending Solutions and has over twenty five years of rich experience in developing successful client partnerships. His approach begins with the single goal of building win-win relationships to help clients grow their businesses. This is accomplished through his steadfast leadership of the sales organization and philosophical belief that success is the result of a needs-based solution approach.His career has focused on helping financial services companies become more efficient and profitable by providing technology and process improvement solutions that resulted from deep relationships with clients, allowing him to understand challenges and present best-fit solutions.James has held senior management positions for companies like JP Morgan Chase, Gartmore Global Investments and Fidelity Investments, where he successfully led business development and client management.James graduated from Westminster College.

VP Customer Experience
VP Partnerships & Alliances
VP - Worldwide Human Resources

Pam brings over 25 years of HR global leadership experience in larger companies such as Apple and E&Y as well experience mid-to-late stage entrepreneurial venture-backed technology start-ups on the trajectory for high growth and/or IPO. Pam was instrumental in scaling Guidewire Software in preparation for its IPO as well as helping start-up companies scale internationally.

VP North American Sales

Twenty-two years’ experience as a sales leader in Bank/Financial software sales. Two successful exits (Acquisition and IPO), part of the early team at Baker Hill Software and ultimately led National Accounts until acquisition by Experian. Helped establish OnDeck Capital Bank Channel Sales into the Top 50 Banks. Achieved industry-leading market share in the segment, which ultimately helped OnDeck achieve 2014 IPO. Sales process and sales operations experience (licensing, SAAS) and have generated sales with both direct sales teams and channel sales teams. A consistent hand-on producer with a deep network of relationships in the Top 50 Banks.

Vivek Karimbil
VP Engineering

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