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Powering the Next Era of
Lending Technology

PhotonMatters isn’t just a platform – it’s your strategic edge in digital credit.

We deliver the infrastructure behind tomorrow’s lending: bold, fast, AI-native, and built for impact.

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No legacy clutter. No fragile workflows. Just powerful technology that works at the speed of your ambition.

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No legacy clutter

Built for Speed. Engineered for Scale.

Micro, Consumer & Personal Loans

Micro, Consumer &
Personal Loans

SME & Commercial Credit

SME & Commercial
Credit

Mortgage & Home Finance

Mortgage &
Home Finance

Asset-Backed Lending

Asset-Backed
Lending

Short-Term & Working Capital Loans

Short-Term & Working
Capital Loans

Embedded Finance & Co-Lending

Embedded Finance
& Co-Lending

Mission statement:

Unleashing a global revolution in lending technology – empowering financial institutions to scale fearlessly, innovate at speed, and deliver human-centered credit experiences that transform lives.

Mission statement
PhotonMatters Core

Powered by
PhotonMatters Core:

  • AI-Powered Underwriting
  • Real-Time Decisioning
  • Modular, Configurable Workflows
  • Compliance-Ready from Day One

Why
PhotonMatters

Modular. API-First. Future-Ready. Integrates seamlessly into your ecosystem and scales with your ambitions.
Built by Lenders, Technologists & Compliance Experts.Industry veterans who understand both code and credit.
Designed for Banks, Credit Unions, Fintechs & NBFIs.One platform. Limitless lending possibilities.
Battle-Tested Across MEA & APAC.Proven in diverse markets, complex regulations, and varied customer needs.
Go-Live in 6-8 Weeks.Even for multi-product, complex lending stacks.

Leadership Team

Tahseen Jamal
Group 1000001954
Founder & Chief Executive Officer

Tahseen Jamal

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Rohit Ahuja
Group 1000001954
Founder & Chief Commercial Officer

Rohit Ahuja

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Built to Disrupt. Designed to Deliver.

PhotonMatters is the intelligent engine behind modern lending.

Let’s build the future of credit. Together.
See it in Action
Tahseen Jamal

Tahseen Jamal

Founder & Chief Executive Officer

Tahseen is a seasoned fintech and technology leader with 23+ years of experience building scalable digital platforms for financial institutions, telecoms, and embedded finance ecosystems. A B.Tech and ISB MBA graduate, he blends deep tech expertise with strategic product vision.

At PhotonMatters, he leads product and technology — driving platform innovation, engineering excellence, and agile delivery to power fast, secure, and intelligent lending solutions.

Rohit Ahuja

Rohit Ahuja

Founder & Chief Commercial Officer

Rohit brings over 25 years of experience in business development and IT consulting, with deep expertise in the US and MEA markets. An MBA and Certified Cloud Practitioner, he has led go-to-market strategies for Fortune 500 clients at Accenture and managed a $125M portfolio while building Centers of Excellence for leading $2B IT firms.

As an entrepreneur and investor in FinTech and IT ventures, Rohit drives strategic growth and expansion across emerging markets.