Why Transcend

Making a

Transcend is the only firm to provide a true, enterprise-wide solution for collateral, funding and liquidity optimization – in real-time.


Transcend’s technology is flexible, scalable and ready to implement – whether you are addressing an immediate need or pursuing a business optimization strategy. Let us connect and harmonize all your required data on a customizable dashboard interface. You’ll find it’s more cost-effective and takes less time than any other vendor or in-house development.

One platform to scale your business

We are the only firm to deliver a truly comprehensive platform to optimize your business – across the enterprise or within business lines

Next-generation technology

We are proud of our technology, built with your needs in mind; pick as much or as little as needed and it will grow with you

Our people ARE THE difference

Our team is what ties it all together, bringing extensive experience in both financial markets and technology



Transcend’s team of experts draws on decades of deep industry experience to underpin our client partnerships. Our leadership’s real-world knowledge and expertise come from holding senior management roles in major banks.

We understand what’s possible, but we also know the obstacles you can face in making transformational change. That’s why we are trusted and strategic partners to our clients.


Bimal Kadikar

Founder & CEO

BJ Marcoullier

Head of Sales &
Business Development

Manish Sharma

Co-Founder &
Chief Technology Officer

Bala Kumar

Co-founder &
Chief Architect

Madhu Ravilla

Sr. Product Manager

Jon Beyman


Madhu Ravilla

Sr. Product Manager

Madhu leads product development and business delivery at Transcend, and actively works with business partners and other stakeholders in designing and delivering targeted solutions.

Madhu has decades of hands-on technology management experience, including leading the Global Repo Trading business technology infrastructure at Citi. In addition, Madhu played a lead role in driving the collateral and liquidity initiative at Citi. This led to the deployment of the next generation liquidity management tools that were shared across Treasury, Repos, Sec Lending as well as Risk and Finance.

Bala Kumar

Co-founder & Chief Architect

Bala is a co-founder and Chief Architect at Transcend Street Solutions. He plays a key role in driving the overall technology and solutions architecture.

Prior to Transcend, Bala held the position of Senior Vice President at Citigroup and led various projects such as fixed income electronic trading and global trade processing system for cash and derivatives. He has over 20 years of experience in building robust technology solutions in both the financial and telecommunication industries, including various positions at Lucent, where he was awarded the title of “Distinguished Member of Technical Staff” for his contributions.

Bimal Kadikar

Founder & CEO

Bimal Kadikar is the founder and CEO of Transcend, a technology firm dedicated to helping financial institutions optimize collateral and liquidity enterprise-wide to increase efficiency, reduce risk and drive greater business performance. Bimal leads Transcend’s business and product strategies, working closely with major global banks to implement modular, innovative technology solutions that connect the front-to-back office for sharper funding and capital decisions.

Bimal previously served in several senior roles at Citi Capital Markets Technology Division. He also led the global technology organization for Citi‘s Fixed Income, Currencies and Commodities (FICC) businesses, and built the Prime Finance, Futures & OTC Clearing technology platform, expanding Citi’s growth. Bimal spearheaded Citi’s firm-wide post-2008 crisis strategy for Collateral, Liquidity and Margin, leading to the inspiration for founding Transcend’s next-generation collateral and liquidity management solutions.

Manish Sharma

Co-Founder & Chief Technology Officer

Manish is a co-founder and Chief Technology Officer at Transcend Street Solutions. Manish drives the technology strategy and execution for the Transcend suite of products and its adoption in clients’ infrastructure. Manish has extensive capital markets technology experience through his tenure at Citi and JP Morgan. At Citi, Manish led the development of the consolidated bonds and flow derivatives trade capture, processing, connectivity and middle-office technology. He dramatically reduced the overall IT and operational costs through strategy-driven systems consolidation and front-to-back alignment.

BJ Marcoullier

Head of Sales & Business Development

BJ is the head of sales at Transcend, responsible for leading the sales and business development efforts for the firm. Prior to joining Transcend, BJ spent 22 years at JPMorgan Chase, most recently leading the North American liquidity and collateral team within equity finance and prime brokerage. BJ also held positions leading the funding, liquidity and capital optimization for its US broker dealers and prime brokerage businesses; managed the Americas securities lending desk; and served on Equilend’s board of directors, playing a key role in the development and implementation of JPMorgan Chase’s equity finance technology platform.

BJ holds an MBA from NYU and a Bachelor’s Degree in economics from Union College.

Jon Beyman


Jon Beyman has performed a variety of senior management roles in financial services technology and operations over his nearly 40-year career. From 2008-2014, he served as a Global Head of Operations and Technology of Citibank‘s Institutional Client Group. Jon was responsible for the development of software applications that supported the bank’s market-making and trading businesses, back-office securities settlement, global payment networks, custody networks, portfolio management, risk management and financial management systems. In addition, he managed and was accountable for the settlement, processing, control and regulatory compliance of US$5 trillion worth of daily transactions in the 100 countries where Citi does business. Jon also chaired Citi’s Chief Information Officer Council, a consolidated governance and decision-making body which set unified policies and standards across the bank.

Prior to Citi, Jon served as the Chief Information Officer and Global Head of Operations and Technology at Lehman Brothers, Global Head of Investment Bank Operations at Credit Suisse, and in CIO and COO roles atf Cendant Corporation. Jon serves on the Board of Directors of Polaris Consulting and Services, and several non-profit boards, and is a former member of various industry boards including the Depository Trust and Clearing Corporation. Having earned his own MBA at Cornell, he has taught Managing Technology as an Adjunct Professor at the University of Connecticut MBA program.


Want to enhance your competitive advantage? Need technology to grow with you? Turn to Transcend for our cutting-edge technology – built for the next generation.

Secure, resilient and scalable

N-tier architecture ensures a highly secure, redundant and efficient solution

Seamless integration

Our high-tech integration layer connects to existing systems as well as structured or unstructured data sources

Quicker, smarter implementation

Utilize our powerful, customizable UI to easily access granular connected data and business intelligence

Join us!

As a growing financial technology company, we offer exciting job opportunities across technology, product development, client services and sales.