Mukund Kulkarni

Chief Executive Officer, Pepper Advantage India Pvt. Ltd

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Mukund Kulkarni joined Pepper Advantage in July 2022.


Mukund comes with more than two decades of experience in credit management. He was previously head of SME and retail loans at asset reconstruction company Arcil. Prior to that he was national strategy manager at Barclays Investments & Loans India; senior manager of collections strategy & compliance at Cholamandalam Finance, and regional collections manager at the Mumbai headquarters of ICICI Bank.


As CEO, Mukund is responsible for driving Pepper Advantage’s development in India, as well as maintaining the highest levels of customer service.


Pepper Advantage has big plans for India and will be, with Mukund’s guidance, expanding its suite of products and services in what is a key market. 


Mukund is expert in directing large teams and overseeing complex portfolios and product suites. He has completed the Disruptive Strategy course at Harvard Business School Online, has an MBA in Finance from Hirachand Nemchand College of Commerce, Solapur, and a BSc in Physics from Sangameshwar College, Solapur. 


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“We’re building successful and dynamic teams to support India’s impressive business growth. Pepper Advantage’s data and analytics are second to none and will play a big part in driving this upward trajectory. We will continue to work with investors, financial institutions, fintechs and banks to manage and service their credit portfolios, with a focus on clients who help underserved communities.”