Now available: Underwriting Dragon

Credit risk & fraud models — built faster, deployed right.

DiscreteKernel gives credit risk and fraud teams a no-code platform to build rigorous, regulatory-compliant models — and a lightweight engine to deploy them in production.

Model Dragon 2.0 — end-to-end workflow
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Data integration
Connect sources, no code needed
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Feature engineering
Enterprise-scale transformations
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Model & scorecard development
ML + scorecarding + strategy trees
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Deploy via Decision Dragon
Scoring API, rules engine, champion-challenger
Our Products Three products. One complete workflow.

From raw data to production-ready decisions — and from manual review to agentic underwriting — Model Dragon 2.0, Decision Dragon and Underwriting Dragon cover the full lifecycle.

Build Model Dragon 2.0

The no-code platform for rigorous, compliant model and strategy development. Combines ML modeling, scorecarding, decision trees, and anomaly detection in one integrated environment.

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Deploy Decision Dragon

A lightweight, flexible deployment platform for AI/ML model scoring and policy execution. Eliminate manual rules coding and deploy champion-challenger strategies with minimal IT overhead.

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Underwrite Underwriting Dragon

The agentic underwriter for manual review. Specialist agents pull their own evidence and hand back a recommendation — at least 80% faster than manual review. Built first for merchant underwriting, extensible to any workflow your policy requires.

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Our Customers๏ปฟ

Our Leadership Team

Subramaniam Venkataramanan

Subbu Venkataramanan

Founder and CEO


Subbu brings over 25 years of experience in combining Machine Learning algorithms with principles of Credit Risk Management and Behavioral Sciences. His passion for data driven decisioning saw him take up a variety of analytical roles across four continents in some well-known enterprises such as GE Money, Morgan Stanley Credit Cards, Standard Bank and Discover Financial Services. 

He has wide experience in applying sophisticated machine learning algorithms that deliver business value across areas such as credit risk management, fraud detection, smart targeting, and offer optimization.

He is an alumnus of IIT Kharagpur and SP Jain Institute of Management and Research.

Mihir Saudagar

Mihir Saudagar

Partner and CTO


Mihir comes with over 20 years of experience in large scale analytics product development, deployment and cloud infrastructure for companies like Barclays, Amazon, SG Analytics and ZS. 

He has a Bachelors in Computer Science & Engineering from IIT Kharagpur



Srikanth Reddy

Srikanth Reddy

Head of Engineering


Srikanth comes with over 17 years of experience in building cutting edge analytics products. He has a proven track record of delivering product solutions across diverse company stages - from early stage startups to global technology firms.

He holds a Bachelors degree in Computer Science 



See our products in action.

Ask us for a free proof-of-concept on cloud. No commitment required.

Contact Us

Contact Us

contactus@discretekernel.com

North America

8 The Green # 12190

Dover, DE 19901, USA


+1 (847) 941 0624


India & Asia Pacific

Elevate, Tower A, 5th Floor,

Innov8 Mantri Commercio, No. 51 

Deverabisanahalli, Bangalore, KAR - 560 103 India


+91 88849 81581