Founder–Market Fit
Risk veterans building the trust layer for agents
Kredit sits at the intersection of financial risk and agentic AI. We've been building toward this our entire careers — defining the neutral risk control layer enterprises need to trust AI agents.
Reza Jalali, PhD
CEO · Co-Founder
Ex-BlackRock · Head of Enterprise Risk
Built and ran the enterprise risk function at the world's largest asset manager — governing $12T AUM. The exact playbook enterprises now need for agent risk.
PhD · Mathematics · Stochastic risk modeling
Authored the statistical foundations behind Kredit's scoring engine — the same primitives banks and trading desks use to control financial actors.
3× founder
Jacob Rafati, PhD
CTO · Co-Founder
Ex-Dell · Ex-Expedia · Production AI agents
Shipped enterprise AI agents into production driving $1B+ ARR — under real-world constraints on latency, budget, and fault tolerance.
PhD · Computer Science · RL & Multi-Agent AI
Designed the predictive models and RL pipelines that power Kredit's behavioral scoring — built for autonomous decision-making, not analytics dashboards.
3× founder
Most teams understand agents. Few understand financial risk infrastructure. We understand both.