Company

Built by people who've made these decisions.

Truluce started inside Made Card's risk team. Now it's for every lender.

true
honest
luce
light, in Italian
truluce
Sahasranaman Ranganathan

Sahasranaman Ranganathan

Co-founder and CEO

Chief Risk Officer at Made Card, responsible for credit, fraud, decision science and servicing risk.

Before that, Head of Reputation Risk Measurement at Wells Fargo, after nearly 16 years at American Express leading Model Risk Management and Enterprise Risk Management.

Made CardAmerican ExpressWells Fargo
Raphael de Monticello

Raphael de Monticello

Co-founder and CTO

CTO at Made Card, where he leads engineering across the card platform, from applications and underwriting to fraud review and the partner program. Earlier, as principal engineer and engineering manager at Stilt, he designed Onbo, a credit-as-a-service platform that underwrote for its partners.

He has built payments, credit and large-scale backend systems at Meta, Electronic Arts, HSBC and Citibank.

Made CardStiltMetaElectronic ArtsHSBCCitibank
What we believe

Rules before models

Your policy lives in versioned rules you can read and sign.

Evidence or it didn't happen

Every statement cites its source. Gaps are named, never filled in.

People decide

Automation is earned case type by case type, with the numbers to show.

Talk to the founders