By Abhay Ray 
Introduction
Kissht chief technology officer Karan Mehta and chief operating officer Sonali Jindal, two of the four co-founders of the digital lending platform, have quit the positions to start Rezolv, an AI-powered debt resolution platform for banks and non-banking financial companies (NBFCs), following a rising trend of entrepreneurs stepping away to build new ventures.
About Rezolv
The platform was founded by the co-founders of credit platform Kissht, Karan Mehta and Sonali Jindal. Rezolv is an AI-powered platform that helps financial institutions improve their debt collection processes. It uses advanced analytics, AI, and Generative AI to make every step of debt recovery more efficient and effective.
Kissht co-founders launch Rezolv-A new era in digital payments and lending
Rezolv, the new startup from the co-founders of Kissht, is set to redefine the digital payments and lending space. With a fresh approach to serving both consumers and businesses, Rezolv aims to offer innovative financial solutions that simplify transactions and make credit more accessible. “We launched Rezolv in October. The idea had been in the making for months,” Mehta said in a phone interview with Moneycontrol on March 3. Jindal, too, joined the interaction.
The startup, which went live with its first two NBFC clients in January, has also secured a $3.5 million seed round led by 3one4 Capital. “Sonali and Karan’s sharp execution and deep understanding of the space make them the ideal team to drive this transformation, and we’re excited to partner with them as they scale Rezolv,” Akshay Sharma, VP, Investments, 3one4 Capital, said in response to Moneycontrol queries
Mumbai-headquartered Rezolv has entered a rapidly growing debt-resolution market, with players such as Credgenics, Spocto, and Creditas catering to lenders, while firms like Freed focus on borrowers. Backed by a $3.5 million seed round, the startup plans to scale its technology, expand its services, and disrupt the fintech landscape. Rezolv is poised to play a pivotal role in making financial services more inclusive and accessible in India’s rapidly evolving digital economy.
Early warning score to predict defaults
A major feature of Rezolv is its AI-powered early warning score that helps lenders identify potential defaulters before they miss a payment.
“Most collection efforts start after a borrower has already defaulted. We use AI to predict who is at risk even before that happens,” Mehta said.
The unified debt collections platform analyses multiple data points such as payment history, spending patterns and behavioural signals from borrower interactions.
“If a borrower suddenly stops responding to messages or delays opening a payment reminder, that’s a strong indicator of future default. Our system flags such accounts early so lenders can intervene proactively,” he said. By identifying high-risk customers earlier, lenders can implement softer interventions such as personalised nudges, payment plan restructuring, or alternative repayment options before escalating to aggressive collection measures. “The earlier the intervention, the higher the chances of recovery with minimal friction,” Jindal said.
Inside Rezolv – Making debt resolution smart
Unlike competitors that offer both software and services, including call centres and field agents, Rezolv is a pure software and analytics platform.
“Most players operate a hybrid model, which pulls leadership in different directions and affects product quality. We are solely focused on building best-in-class software,” Mehta said. Operating with a team of 40, Rezolv aims to streamline the entire debt collection process digital communication, early reminders, Interactive voice response calls, field visits, legal workflows, and analytics so that lenders can build more efficient collection systems in compliance with their policies. “For example, if a lender allows only one customer call a day, our system ensures no additional calls are made,” Jindal said.
“Right now, lenders juggle multiple tools for collections, legal cases, and customer interactions and the system is quite broken. We bring it all under one roof, most importantly with AI-driven data analytics of customer behaviour, pattern, and interaction to make the recovery process better,” she added.
Rezolv’s real-time AI auditing of customer interactions with agents or the system is analysed live to flag potential violations of lender policies. “We see Rezolv leading the transformation of debt- collection platforms for financial institutions on the back of tailwinds such as tackling rising collection costs for FIs, the limitations of legacy solutions, and the growing demand for comprehensive, full-stack platforms,” Sharma said.
Conclusion
The co-founders of Kissht are set to bring their expertise into a new venture, backed by 3one4 Capital’s investment. With a proven track record in the fintech space, their new startup is poised for growth and innovation. The backing from 3one4 Capital provides crucial financial support and strategic guidance, positioning the venture for success in a competitive market. By leveraging their previous experience and tapping into new opportunities, the founders are set to disrupt the fintech ecosystem once again, creating accessible, user-friendly financial solutions that cater to a broader audience. This venture’s launch marks an exciting new chapter in their entrepreneurial journey, with the potential to reshape the future of digital finance.
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