Kevin Varghese
I help run Kavitha Group’s lending, jewellery and property businesses in Kochi, and build the software that keeps them running.
Lender
Technologist
Jeweller
Researcher
Kevin Varghese
I help run Kavitha Group’s lending, jewellery and property businesses in Kochi, and build the software that keeps them running.
Lender
Technologist
Jeweller
Researcher
About Me
Hello, I’m Kevin
Hello, I’m Kevin
Four businesses, one family group, and a habit of building the tools we’re missing.
Four businesses, one family group, and a habit of building the tools we’re missing.
1
Lender
I’m a director at Freemen Investments and Kavitha Nidhi. I oversee branch performance, collections, asset quality, and our reporting to the RBI and all four credit bureaus.
2
Technologist
I’m not a trained engineer, but I build most of our internal software with AI tools, from the bureau submission platform to MIS automation and system integrations.
3
Researcher
I’m a doctoral candidate at Rushford Business School, studying how digital lending shapes financial decisions among rural and semi-urban Indian borrowers.
4
Jeweller
I manage our family’s gold and diamond jewellery business across retail and custom design. Kavitha Jewellery has been making and selling gold since 1997.
1
Lender
I’m a director at Freemen Investments and Kavitha Nidhi. I oversee branch performance, collections, asset quality, and our reporting to the RBI and all four credit bureaus.
2
Technologist
I’m not a trained engineer, but I build most of our internal software with AI tools, from the bureau submission platform to MIS automation and system integrations.
3
Researcher
I’m a doctoral candidate at Rushford Business School, studying how digital lending shapes financial decisions among rural and semi-urban Indian borrowers.
4
Jeweller
I manage our family’s gold and diamond jewellery business across retail and custom design. Kavitha Jewellery has been making and selling gold since 1997.
If it could have been done yesterday, today is already late.
If it could have been done yesterday, today is already late.
Ventures
Kavitha Group
The family group my father, K.O. Varghese, built over three decades. Together, our lenders have disbursed over ₹1,500 crore.
Freemen Investments
Freemen Investments
NBFC, lending since 1992
NBFC, lending since 1992
~₹130 cr AUM
~₹130 cr AUM
Lender
Technologist
Kavitha Nidhi
Kavitha Nidhi
Member savings & loans
Member savings & loans
~₹60 cr AUM
~₹60 cr AUM
Lender
Kavitha Jewellery
Kavitha Jewellery
Gold & diamonds
Gold & diamonds
Since 1997
Since 1997
Jeweller
Career
My Way
From an MBA and my first jobs in London, back to Kochi and the group my father built.
Director
Freemen Investments
2021 → Now
Director
Freemen Investments
2021 → Now
Director
Freemen Investments
2021 → Now
Director
Kavitha Nidhi
2016 → Now
Director
Kavitha Nidhi
2016 → Now
Director
Kavitha Nidhi
2016 → Now
Property Management Intern
Dicksons Lettings, London
2019 → 2020
Property Management Intern
Dicksons Lettings, London
2019 → 2020
Property Management Intern
Dicksons Lettings, London
2019 → 2020
Sales Team Leader
Marks & Spencer, London
Jan → Apr 2019
Sales Team Leader
Marks & Spencer, London
Jan → Apr 2019
Sales Team Leader
Marks & Spencer, London
Jan → Apr 2019