Kita
Automate credit review for lenders in emerging markets
What they do
Lenders in emerging markets must manually review unstructured borrower documents, slowing credit decisions, increasing costs, and limiting lending volume.
Kita is an AI platform that extracts, verifies, and fraud-checks data from messy financial documents to automate application completion and underwriting with localized risk signals.
Lenders and credit/risk teams in emerging markets use it to automate credit review and underwriting.
Founders
Carmel is the co-founder and CEO of Kita. She is from Manila and studied Symbolic Systems & Music at Stanford. Prior to Kita, she was completing her Master’s in Computer Science. She spent three summers in audio and music product at Apple, where she was one of few interns to ever ship a feature in iOS. She was awarded by the United Nations at 16, launched the first Product Fellowship in the Philippines, and co-founded DAHA in 2022, where she took Stanford’s first marketplace from 0 to 1.
Rhea is the co-founder and CTO of Kita. Rhea completed her bachelor’s and master’s degrees in Computer Science at Stanford, and was an incoming PhD in Computer Vision and Robotics at Princeton. She received the Firestone Medal, the sole highest honor of the Stanford CS Department, for her research in 2025. Rhea joined her first research lab at age 13, worked on the COVID-19 vaccine at Pfizer at 17, and has since authored 7 papers recognized and awarded internationally.
Company timeline
- Founded2025
- YC batchWinter 2026
- StatusActive
- Team size2 people
- LocationSan Francisco, CA, USA
