Kimmo Rytkönen - Founder & CEO, Income

Kimmo Rytkönen

Founder & CEO, Income

More about Kimmo Rytkönen

With over 15 years of experience in consumer lending and fintech I have successfully founded, managed and advised several fintech companies and have a strong understanding of what it takes to build a data driven B2C business and how to achieve scale and profitability fast. I’m following actively the peer-to-peer industry and developments in embedded finance.

I’m the founder and CEO of Income, the next generation peer-to-peer marketplace that is introducing a new standard of investor protection to peer-to-peer.

My recent achievements are

- co-founding Tunaiku, the flagship product of Bank Amar and the leading digital lending brand in Indonesia. Since founding of Tunaiku, bank Amar has quickly become a success story of financial inclusion and it successfully completed an IPO in early 2020 and is listed on IDX with a market cap of nearly USD 200 million. I´m currently a member of the steering committee of the bank.

-As the co-founder and Group CEO of the Supernova / Aasa consumer lending group, I oversaw the company’s expansion in several European markets, reaching 200 million EUR balance sheet and 80 million EUR in annual revenue. Also took the company through a difficult debt and equity restructuring while successfully managing different stakeholder groups and guiding the company´s exit from unprofitable markets. I left the company in 2019 well positioned for growth and future success.

Signing up on our website is completely free! If you encounter any issues with profile or notice something unusual, please don't hesitate to report it to us. We're here to help ensure a smooth and secure experience.
Featured speaker at previous eChai events:
Startup Growth Networking Meetup in Tallinn x Draper Startup House
Founders and startup folks who joined past eChai startup events

The eChai Effect - In Their Words

"I attended my first eChai event 3 yrs back, and no one knew me in the market. Over the next three years, eChai didn’t only help me with knowledge or networking, but it gave me an identity from being unknown to now being recognized by a group of inspirational entrepreneurs connected with eChai, who have been gracious enough to acknowledge me and Digipple."
Viraj Rajani - Co-Founder, Digipple
Viraj Rajani
Co-Founder, Digipple
"After moving back from the USA, eChai became my go-to space to learn how the Indian startup ecosystem works. It offered direct exposure to startup thinking and a community that openly shares business insights. What stood out was how easy it was to connect, learn, and grow through real conversations. As we built our IT hardware rentals business, eChai helped us find our niche and refine our path. Proud and grateful to be part of this amazing community."
Heet Sheth - Growth and Tech, Sheth Info
Heet Sheth
Growth and Tech, Sheth Info
"If there’s one phrase that sums up my journey, it’s truly ‘The eChai Effect.’ Six years ago, I simply walked into my first eChai event, not knowing what to expect. The honest conversations, energy, and inspiration from founders and entrepreneurs struck a chord within me. That eChai spark became the catalyst for everything to follow. I proudly say: my entrepreneurship journey started—and keeps evolving—because of eChai. Redicine Medsol’s story is integrally linked to this community. I’ve gained so much, not just as a founder but as a forever volunteer and grateful member of the eChai family. With all my heart, thank you Jatin Bhai and everyone at eChai for shaping, guiding, and supporting my dreams. The eChai Effect will always be a part of my story."
Kush Prajapati - Founder, Redicine Medsol
Kush Prajapati
Founder, Redicine Medsol

eChai Partner Brands

eChai Ventures partners with select brands as their growth partner - working together to explore new ideas, open doors, and build momentum across the startup ecosystem.