Kalyani K.

Co-Founder

Bengaluru, Karnataka, India11 yrs 10 mos experience
Highly Stable

Key Highlights

  • Co-founder of Inclov, world's first matchmaking platform for disabilities.
  • Investor with 4-8x portfolio returns in tech and AI startups.
  • Published research on AI-human interaction with significant readership.
Stackforce AI infers this person is a seasoned professional in AI, Fintech, and HealthTech with a strong focus on product strategy and innovation.

Contact

Skills

Other Skills

BrandingConsumer BehaviorContentCorporate TrainingFundraisingHatha YogaProduct DevelopmentProduct MarketingPublic PolicyPublic RelationsStrategic HiringTechnical RecruitingUser Experience (UX)

About

Independent AI researcher working on AI-human interaction. Previously I was the co-founder of Inclov, world’s first matchmaking platform for people with disabilities and health disorders with 50k users. Published Research: • Behind India's ChatGPT Conversations - https://arxiv.org/html/2509.13337v1 • Daily AI Lab Notes on LinkedIn (2,500+ engaged readers) • Third Frontier Substack: Notes on AI-Human Interaction Ongoing Research (6+ Months): • Multi-platform LLM behavior analysis across search engines • LLM pretraining bias and business recommendation patterns • Authentic user prompt datasets with category-specific frameworks • AI adoption patterns across cultural and demographic segments Investor: I’m also an investor in tech and AI startups with 4-8x portfolio returns. AI native investments operate in commerce domain. Tech startups operate in lithium recycling, EV charging and carbon accounting. Background: • 11+ years product strategy, behavioral economics & philosophy • Founding member @ Jupiter Money (1M users, ~$150M raised) • Founder @ Inclov (UN-recognized Top 50 Global Innovation) Fellowships: AIYD Fellow | INK Fellow | Zero Project Keynote Speaker | Rajeev Circle Fellow (MJF) Media Features: Wikipedia, BBC, Forbes, The Guardian, Business Today, Mint, India Today, The Economic Times, Business Standard, The Hindu, Business Line Books & Case Studies: Featured in "The Invisible Majority: India's Able Disabled" (C.K. Meena, V.R. Ferose) and "You Can: From Smarter to Wiser" (Meera Shenoy, Prasad Kaipa) | Inclov Case Study on Spotify Speaking & TV: TEDx Gateway, TED.com, INK Talk, CNBC TV18 Awards: → UK Tech Rocketship Award (Dept. of Trade & Investments, UK Govt.) → Women Entrepreneur Quest, USA (Dept. of Science & Technology, Govt. of India) → Zero Project Award Winner → 35 under 35 by Entrepreneur Magazine 📧 Open to consulting partnerships and research collaborations: https://book.kalyanikhona.com/ 🌐 kalyanikhona.com

Experience

Third frontier labs

Research

Apr 2025Present · 11 mos

  • Research/analysis at the intersection of human behavior and AI systems.

Private

Investor

Jun 2022Present · 3 yrs 9 mos

  • Portfolio includes Accacia, Metastable Materials, Exponent Energy, Biddano, AI-native visual commerce startup, AI-led product discovery via LLMs (generative engine optimization) and recommendation engines delivering 4x-8x returns.
  • Climate and energy //
  • Accacia: Decarbonising real estate with climate-grade products and carbon intelligence.
  • Exponent Energy: 15-minute rapid charge for EVs (funded by Hero Group post my investment)
  • Metastable Materials: Lithium-ion battery recycling (entered sequoia surge program, at 8x multiple)
  • Health //
  • Biddano: Health supply chain platform that provides a simplified order management technology for chemists and hospitals.
  • Llama (exited in 2025): Mental health for corporates
  • Stealth venture in health and wellness
  • AI, LLMs and agentic //
  • Co #1 AI OS for all things fashion and commerce
  • Co #2 AI visibility and search

Various startups

Product Strategy and Growth Consultant

Oct 2020Feb 2025 · 4 yrs 4 mos

  • Built a High-Performing Product Team: Assembled and led a dynamic team of product leads, managers, and analysts for an RBI-registered NBFC/digital lender, significantly enhancing cross-functional collaboration.
  • Developed a Public Safety App for Women: Partnered in the conceptualisation and design of a groundbreaking app for women's public safety. Collaborating with researchers, social scientists, legal experts, and technologists, the app received $200K in angel investment and earned acclaim for its innovative platform architecture.
  • Strategised Product Development in Fintech: Collaborated closely with a fintech founder and product team serving blue-collar workers, contributing to innovative strategies for product development and growth.
  • Launched a One-Click UPI Checkout Fintech App: Engineered a streamlined UPI-based app for D2C brands, simplifying the checkout process and reshaping the e-commerce experience for consumers.
  • Developed a Modern Health Insurance Platform: Contributed to the creation of an integrated health insurance platform that incorporates a pharmacy model to drive customer acquisition.
  • Designed a Yoga and Meditation App with The Yoga Institute: Collaborated in the design of a transformative wellness app with The Yoga Institute, integrating traditional practices into accessible, digital experiences.
  • Created a Learning Management System (LMS) for The Yoga Institute: Conceptualised and built a comprehensive LMS, including course catalogs, workshops, and live programs to enhance the Institute's online learning capabilities, positioning it as a key component of their digital offerings.
  • Strategic Advisor for Nispand, a Digital Health App by The Yoga Institute: Advising on UX enhancements for Nispand, a meditation and wellness app, by leveraging user insights and guiding digital strategy for an improved user experience.

Jupiter

Founding Member and Product Strategy

Aug 2019Sep 2020 · 1 yr 1 mo

  • Jupiter - India’s First Co-Created Digital Banking Experience for Millennials
  • Team Growth & Funding: Joined as Jupiter's first team member; contributed to the organization’s expansion to over 70 members within a year.
  • Key Contributions:
  • 1. Product Design & Management
  • Led a cross-functional process to prioritize and plan the product roadmap, managing major releases by leveraging high judgment to balance business goals with engineering tradeoffs.
  • Designed a seamless user onboarding flow, achieving one of the industry’s fastest bank account creation processes, with the entire journey completed in under 4 minutes.
  • Collaborated with the Director of Banking Products to integrate and design user experiences for payments stack (IMPS, debit card).
  • Conceptualized and developed in-app tools and features, including:
  • Money Manager: An inflow and outflow ledger for tracking cash flow.
  • Saving Pots: A feature allowing users to stash excess balances for higher interest.
  • Contributed to the initial roadmap of a micro-lending product to meet users' ad-hoc credit needs.
  • 2. Product Strategy
  • As Product Lead, consistently assess customer needs, competitive opportunities, and emerging threats to shape and evolve product strategy.
  • Developed customer segments by establishing a community of like-minded individuals.
  • Published the product roadmap publicly to solicit feedback and validate product direction.
  • 3. Leadership
  • Supported the founder in recruiting the first 15-20 core team members, establishing the foundation for leadership and product development teams.

Inclov

Founder and Director

Jan 2014May 2019 · 5 yrs 4 mos

  • Inclov (World's First Matchmaking App for People with Disabilities)
  • Technology, Data & Product:
  • Led the development of a holistic platform and ecosystem aimed at promoting awareness, inclusiveness, and innovation for the community of people with disabilities. Oversaw the collaboration between specially-abled engineers, corporates, brands, and end-users.
  • Ensured the accessibility of Inclov across Android, iOS, and web platforms, including Inclov Lite for the visually challenged, available in both English and Hindi. Successfully made the app 100% accessible to over 50,000 members, including those with visual impairment and other medical impairments.
  • Investment & Fundraising:
  • Initiated Inclov's journey with a successful crowd-funding campaign, engaging 140 online members. Raised two equity rounds of funding totaling $450,000 from semi-institutional investors and notable leaders at Google, SAP, Intel, Network18, KPMG, and NASSCOM.
  • Partnerships and public relations with industry giants such as Microsoft, ITC, and Cox n Kings to ensure sustainability and growth, leading to a revenue of $75,000 within two years.
  • Team Management:
  • Oversaw a team of 14 full-time members, including a Technology Lead and COO, during Inclov's peak.
  • Managed and scaled operations and technology across 30+ cities in India.

Education

H.R. College Of Commerce & Economics

Bachelor of Commerce - BCom — Finance and Financial Management Services

Stackforce found 100+ more professionals with Branding & Consumer Behavior

Explore similar profiles based on matching skills and experience