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Deep Kulkarni

Deep Kulkarni

Founder and Product Leader building AI-first user interfaces

depkulk
Bengaluru, Karnataka, India
Joined August 2025
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Summary

Deep Kulkarni is an entrepreneurial product leader with a strong focus on AI-first user interfaces and fintech solutions. He is currently the founder of Caracal, working on AI-driven interfaces, and previously co-founded Wingie, where he experimented with AI-first consumer products. weekday+1
With experience as a Product Manager at FloBiz, Deep demonstrated expertise in building and scaling payment products, particularly with the Smart Collect feature. He successfully tackled challenges related to KYC and anti-fraud measures, leading the product to achieve 100x growth in payment volume within six months. His written works detail the strategic and technical approaches to fighting payment fraud and scaling fintech products. substack+1
Deep's academic background includes a Master of Science in Physics and a Bachelor of Engineering in Computer Science from Birla Institute of Technology and Science, Pilani. His early career also involved a Big Data Internship at Sling TV and a Research Internship at the National Centre for Antarctic and Ocean Research, showcasing a diverse foundation in technology and data. weekday
During his university years, Deep was actively involved in student organizations, serving as Vice President of the BITS Pilani Consulting Club and contributing to the Department of Live Events for ticket sales and concert production. He also participated in Jagriti Yatra, an entrepreneurial journey across India. weekday+1

Work

Education

Writing

From Zero to Hero: A Payment Product's 100x Journey

May 2, 2024

An in-depth look at the development and scaling of a payment product at FloBiz, specifically Smart Collect. The article covers growth challenges, first-principles growth strategies, applications of behavioral psychology, and the complexities of the payment ecosystem for Indian SMEs.

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Fighting Payment Frauds as a Fintech Startup 🕵️

May 1, 2024

A detailed account of strategies and insights for combating payment fraud in a fintech startup, drawing from experiences with FloBiz's Smart Collect product. Topics include metricizing fraud, segmenting fraudsters, organizing tech and operations, and building an anti-fraud engine.

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Notes

PKPadam Katariasaid
DKDeep Kulkarni
has demonstrated both deep technical knowledge of LLMs and real entrepreneurial drive.

Jan 8, 2026