S. P. “Wije” Wijegoonaratna
Co-founder and CEO of Aliya (Alaya), a former hedge-fund investor and computer scientist who builds AI-driven lending and operational intelligence platforms and has overseen decisioning of substantial loan volumes under regulatory scrutiny.
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Mar 17, 2026 • 45min
AI is the Operating System of Modern Lending
S. P. “Wije” Wijegoonaratna, co-founder and CEO of Aliya and a former hedge-fund investor and computer scientist, explains how AI turns lending from a one-time decision into continuous, governed opportunity exploration. He covers AI-native lending architectures, why FICO is insufficient, always-on monitoring and marketing signals, scaling profitable underwriting across loan sizes, and how AI augments frontline bankers.
