One Smart Decision at a Time
A boutique advisory and investment firm helping lenders, credit investors, and boards unlock exponential growth through data, risk, analytics, and AI strategy.
Lending Growth & Capital Strategy
Risk, Data & Analytics
Predictive Modeling & AI
Fractional C-Suite Leadership
At Prama Capital Partners, we believe the future of lending and credit innovation will be defined by data intelligence, AI-driven strategy, and agile leadership.
We're not a traditional consultancy — we're your on-demand lending growth and intelligence partner.
Combine strategic insight with analytical precision
Deliver measurable outcomes within weeks, not months
Operate as an extension of your leadership team
To accelerate innovation, intelligence, and inclusion in lending and credit markets through sustainable, data-driven growth.
Strategic advisory and fractional leadership designed to accelerate lending performance, strengthen risk frameworks, and scale analytics-driven decision making.
Our Fractional Executive Advisory model gives you on-demand access to senior leaders across growth, risk, data, AI, operations, finance, and compliance — tailored to your business stage, scope, and goals.
We also support long-term transformation projects, where our advisors embed directly with your teams to deliver measurable impact from strategy through execution.
Engage proven industry leaders without long-term overhead. Our advisors bring deep domain experience across:
Credit and Lending Strategy
Risk & Capital Management
Data, Analytics & Predictive Modeling
AI Transformation & Automation
Finance, Operations & Regulatory Compliance
1–2 days per week on ongoing oversight and mentorship
Defined deliverables (e.g., risk model rollout, AI roadmap, growth acceleration)
Short-term placement to lead during transition or scaling phase
For initiatives that require continuity and measurable outcomes, we lead multi-phase projects across:
Lending Product & Portfolio Strategy
AI & Predictive Model Implementation
Data Infrastructure & Reporting Transformation
Risk & Credit Lifecycle Optimization
Growth and Retention Analytics Programs
A clear roadmap with milestones and KPIs
Hands-on collaboration with your internal team
Monthly performance reporting and insights
Leadership coaching to institutionalize the learnings
Access to top-tier executive talent at a fraction of the cost
Integration with your existing leadership and investor teams
Focus on measurable results, not just recommendations
Proven success driving growth, risk optimization, and data maturity across lending and financial platforms
Atul Khemuka is a lending executive, investor, and AI strategist with over two decades of experience leading credit, growth, and analytics transformations.
As Chief Intelligence Officer and Chief Growth Officer at Mercury Financial, he helped scale the company from startup to over 2 million customers and $3 billion in balances, building one of the most successful consumer credit platforms in the near-prime segment.
We work with select lending and credit clients who are serious about using intelligence and analytics to drive scale and performance.
Austin, Texas
Serving clients globally