Where Money & Imagination Beautifully Collide

SpendLabs is a team of finance-seasoned, tech-obsessed dreamers and doers — on a mission to change expectations for how technology coexists with banks, businesses and day-to-day business activities.

Our Mission

This mission and these moments are already happening at some of the largest global banks and more than 50,000 businesses around the world. And we can’t wait to show you what’s next.


We believe more transactions, communications and decisions can and should happen in the moment.

Our mindset is to deconstruct and question the entire end-to-end ecosystem of commercial cards, expense management and the needs of employees on the front lines. We then use then reconstruct it with research, user experience, banking savvy and next-gen technology for elegant simplicity and game-changing usability.

Our Team

Bhanu Pullela

Chief Executive Officer

Bhanu Pullela is a 20 year veteran of the financial services industry. Prior to SpendLabs, Bhanu Pullela worked in various senior positions in Marketing, Product, Pricing and Customer Experience in internationally recognized banks like Wells Fargo, Santander, Capital One, Citibank and also in innovative Technology start-ups like Metromile. He has deep experience in Payments, Credit & Debit Cards, Consumer Lending, Treasury & FX Remittance, and Personal Insurance. He did his BS in Mechanical Engineering from IIT, Madras and his MBA in Finance & Marketing from IIM, Lucknow.

Kareem Chouli

Chief Revenue Officer

As SpendLabs’ Chief Revenue Officer, Kareem is responsible growing the organization’s footprint within the banking and commercial payments segments globally. A thought leader in many respects, Kareem has more than 20 years of relevant experience and has worked with dozens of financial institutes and payments providers around the world.

Kareem’s previous experience includes senior management positions with Visa and MasterCard in product and executive sales. He has also spent a significant portion of his career working at Fintech’s such as Fraedom and as a management consultant and entrepreneur.

Surender Chauhan

Chief Product Officer

As a co-founder and the Chief Product Officer of SpendLabs, Surender focuses on product strategy, product architecture as well as the security and scalability of the SpendLabs platform. He advises the engineering team on technical matters and designs significant software components.


Surender has more than 15 years of experience in building products in payments industry and has worked at TSYS after acquisition of Infonox before joining Spend Labs. He is highly experienced technical leader with the deep knowledge of payment industry especially in Merchant Acquiring and Card Issuing platforms.

Pradeep Krishnan

Chief Technology Officer

Pradeep comes to us with 25+ years experience of technology leadership in
startups and large companies. He held Co-Founder, CTO and Chief Architect
roles in various companies prior to joining SpendLabs to lead its Technology
division. He was one of the co-founders of Informatica, a Data Warehousing
company which went public. He also lead technology teams at Edifecs as it
transitioned from an on-prem to cloud model. He was also part of the founding
teams for SaleMinder, IdEngines and 1App, and has played tech leadership
consulting roles at large organizations such as Varian and Kaiser Permanente.
He was also involved in the launching of the reputed Open-Access-Publishing
platform – PLoS journals – working closely with symantic-web community,
Cornell University and Internet Archives.

Philip Mathews

India Country Head

Prior to joining SpendLabs, Philip had over 15 years of experience in financial services and technology with startups and established global leaders. He has managed Engineering delivery in large organizations managing global delivery models and has a wealth of experience in managing financial services technology and delivery. He previously worked at TSYS/ Global Payments, Tieto (Nordic Payments & Cash Management Company) & Infonox (early stage startup acquired by TSYS)

Bruce R. Ledesma

Member of the Board

Bruce Ledesma is an experienced senior executive in the financial services and software industries. He is the Executive Vice President – Corporate Development of Mosaic, the leading fintech platform providing home improvement financing to the U.S. market. Bruce’s responsibilities include building strategic partnerships with regional banks and credit unions, sourcing venture capital and private equity investments, and overseeing technology transactions. Over the past 25 years, Bruce held various executive and board positions in the financial services, software and energy sectors, and practiced as a corporate attorney for a major global law firm. He has worked for multiple private and public companies from early stage growth through successful liquidity events. Bruce has a B.A. in Economics from Stanford University and a J.D. from Harvard Law School.

Dev Shukla

Executive Chairman

Dev (Devendra) Shukla, is the founder of SpendLabs, Inc., a serial entrepreneur, a hands-on investor, and an engaged mentor. He has procured and delivered over two Billion dollars of services and products throughout the world. He has extreme passion for building world class teams focused primarily on solving customer needs. Over the past thirty years he has built five successful businesses, invested in five other companies, hired over 2,000 to 5,000 people, achieving 50% per year compounded growth over ten years.


Dr. Shukla is a Distinguished Alumni of Indian Institute of Technology, Kanpur and has a Ph. D. in probabilistic applications to engineering systems.

Amir Friedman

Advisory Board Member

Amir focuses on developing strategic partnerships with banks and credit unions and has more than 15 years of specialty finance and capital markets experience at Mosaic, Prosper Marketplace, American Express, Prospect Capital, Bear Stearns, and Chevron.


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