Mukul Agarwal

With over three decades in fintech and banking technology, Mukul Agarwal has built his career on one guiding principle — finance should move at the speed of innovation.

As Regional Sales Head for Southeast Asia at Nucleus Software, he partners with leading banks and financial institutions to reimagine their lending ecosystems — from retail and corporate lending to Islamic and digital-first credit models.

Mukul’s approach blends strategy with deep industry understanding. He has led initiatives that modernize legacy lending systems, accelerate digital transformation, and empower banks to deliver personalized, seamless, and Shariah-compliant financial experiences.

His work focuses on helping institutions achieve faster time-to-market, improve credit decisioning accuracy, and build scalable digital platforms that enhance both operational efficiency and customer satisfaction.

A recognized thought leader and speaker, Mukul has represented Nucleus Software at global banking and fintech forums across SEA and beyond, sharing insights on how AI-driven credit assessment, automation, and open banking ecosystems are reshaping the future of financial services.