Mallika Mathur Lhéritier at Koaloo.Fi is Treasury Today’s Overall Winner of Leading Light, EMEA in recognition for her career that stands as a true beacon of inspiration. Mallika is co-founder of Koaloo.Fi, a supply chain-focused fintech that has transformed the way companies approach sustainable finance and resilience. Under her leadership, Koaloo.Fi was recognised as Fintech of the Year 2025 in France, Most Innovative Fintech by Treasury Management International, and listed in the Global ESG Fintech 100 two years in a row in a series of awards that are testament to her vision, impact and ability to turn bold ideas into meaningful change. Mallika is also a Lauréate of WomenEntrepreneurs4Good, a prestigious programme run by HEC Paris and Women’s Forum & Society, and sponsored by Bank of America, Rexel, and Bredin Prat. Recently, Koaloo.Fi was also selected for the high-profile Franco-Indian Chamber of Commerce and French Tech IGNITE programme for cross-border acceleration of leading startups in AI, sustainability and finance.
Mallika has helped encourage change across the treasury and financial ecosystem by re-imagining how ESG-led principles are embedded in corporate finance to create a win-win-win solution for corporates, suppliers and banks. Every year, companies lose billions in profits due to hidden supply chain risks, while their cash-starved SME suppliers are defenseless. Through Koaloo.Fi, Mallika has created a platform that makes the ESG and operational performance of supply chains fully auditable at a fraction of the traditional cost of existing processes, while enabling corporations and banks to capture significantly higher ESG-linked financing benefits by tapping into the benefits of the green premium. It’s an end-to-end solution making supply chain risks visible, then providing the actionable intelligence, coaching, and capital required to actually fix them.
Her work bridges the gap between ESG commitments and actionable, measurable financial strategies to actually achieve resilience, shifting industry norms and inspiring banks and corporates to integrate sustainability deeply into working capital, supplier financing and risk assessment. The platform allows multinational corporations to enhance their ESG supply chain metrics, reduce financed emissions and optimise working capital while capturing tangible financial returns. Banks and corporate treasurers now leverage Koaloo.Fi’s scoring and digital financing tools to systematically influence supplier networks, creating sustainable finance practices at scale.
Mallika also has an industry reputation for advancing diversity, equity and inclusion, fostering equitable opportunities and diverse representation within fintech and corporate finance. She mentors emerging leaders from underrepresented backgrounds, speaks at industry forums on inclusive financial innovation, and embeds DEI principles into Koaloo.Fi’s culture and client solutions. By amplifying these values industry-wide, she ensures that innovative, sustainable finance is both high-impact and inclusive, setting a new standard for leadership in ESG, resilience, and treasury innovation.
Mallika represents the very best of visionary leadership because she combines ambition with compassion, strategy with empathy and innovation with humanity. She shows that leadership is not just about guiding others – it’s about inspiring them to believe in themselves, to dream bigger and to create lasting impact together. Her heartfelt leadership demonstrates courage and vision; she imagines what’s possible and then rallies those around her to make it real.
Her empathy and genuine care for people create a space where everyone feels valued, heard and capable of achieving more than they thought possible.
Mallika embodies the transformative power of visionary leadership. She was born in India and now a proud French citizen, she brings a global perspective shaped by deep cultural understanding and unwavering values. As former Group COO, CSO, and CTO of the Renault-Nissan Bank, she led complex operations at the intersection of finance, technology and strategy, consistently delivering measurable results while fostering inclusive and ethical leadership. Building on this foundation, Mallika co-founded Koaloo.Fi, a resilience fintech that has redefined ESG and sustainable finance.
Her platform makes supply chain sustainability performance fully auditable at 100x lower cost and enables companies and banks to capture up to 300bps greenium – a dramatic improvement over the current 2-3bps – translating ESG commitments into tangible financial and environmental impact. Recognised as Fintech of the Year 2025 in France, Most Innovative Fintech by TMI, and listed in the Global ESG Fintech 100 twice, Mallika’s work has influenced both corporate treasuries and banks, creating lasting, systemic change in sustainable finance. Her vision, integrity and empathy not only deliver measurable results but also inspire a new generation of diverse leaders, making her the quintessential nominee for this award.
