AmritLotay. — Founder, Author, Operator & Keynote Speaker

Featured inForbes IndiaSpecial Edition · August 2026
Portrait of Amrit Lotay
28+Years building products & ventures
12Ventures
2Books
6Countries featured

Closing the gap between human potential and human reality.

Author·Operator·Venture Builder·Advisor·Keynote Speaker
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About

I did everything I was told would lead to a good life. I still hit a wall no one prepared me for.

School taught me equations, essays and exam technique. It did not teach me how to negotiate a salary, hold my ground in a boardroom, recover from public rejection, or build a life when the plan stopped working.

I learned those things the hard way: through migration, reinvention, failed launches, and the slow work of rebuilding confidence from the inside out. Somewhere between the spreadsheets and the setbacks, I started calling that missing syllabus the hidden curriculum.

I graduated as an economist, then spent years doing the work most people never see: teaching, accounting, running a fashion boutique, and building a career in tech. I have delivered digital transformation for governments, shaped new innovation projects like Samsung's connected car programme, and worked at the edge of agentic AI and behavioural analytics long before they became headlines.

That path took me through consulting, startups, and my own ventures. It also took me through failure sharp enough to matter: a moment where I had followed the system, done everything right, and still came close to losing everything. I rebuilt from that. The lesson was not that the system was wrong; it was that the system is incomplete.

Today I operate, advise, write and speak from that intersection: the credentials of someone who has worked inside institutions, and the scars of someone who has built things from scratch.

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One argument

Human potential and human reality should not be this far apart.

Authorin spare hours.
Operatorin the arena.
Advisorat the table.
Warriorevery moment.
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Building across

🇬🇧United Kingdom
🇮🇳India
🇸🇦Saudi Arabia
🇦🇪United Arab Emirates
🇧🇭Bahrain
🌍Pan-Africa
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Advisory & Board Work

Strategic support for teams building what comes next.

Discuss working together
01

Strategy Consulting

Helping leadership teams turn ambition into executable product and growth strategy.

02

Advisor

Independent perspective for boards and leadership teams navigating scale, product-market fit and new markets.

03

1:1 Mentorship

Focused coaching for founders and operators building ventures with social impact.

04

Keynote Speaking

Talks on the future of education, money, work and the products shaping them.

05

Fractional CPO

Hands-on product leadership for teams that need senior expertise without the full-time hire.

Teaching, Mentorship & Membership

  • Lecturer · Rotterdam School of Management
  • Mentor · Women in Banking & Finance
  • Ambassador · Women of Fintech
  • Member · Dubai Founders HQ
  • Startup Mentor · Oneday
  • Product Expert Mentor · UK StartUp & ScaleUp Club

Industries

  • Fintech
  • EdTech
  • HealthTech
  • LegalTech
  • GovTech
  • WellTech
  • Fashion
  • E-commerce
  • Consumer AI
  • Behavioural Analytics

Selected Clients & Employers

  • REDF (Saudi Government)
  • Barq
  • STC Pay
  • Tarabut
  • Revflo
  • Home Retail Group
  • Ministry of Justice
  • Western Union
  • Cabinet Office
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Ventures

01 / 12

Elm Finance

Fintech · Co-founder & CEO · Building now

Financial capability for young people, before real life sends the bill.

Explore Elm Finance
Elm Finance
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Books

The Hidden Curriculum book cover

Coming 2026

The Hidden Curriculum

The lessons school never taught us about money, work and life.

A field guide to the skills, mindsets and money habits nobody teaches you but everyone is quietly expected to have.

Get notified
Navigating the Future book cover

First edition · 2024

Navigating the Future

AI and the new era of product management.

How AI is reshaping what product teams do, how leaders decide, and what great product management looks like from here.

Buy on Amazon
In production№ 008Coming soon

Hi Human

Because being human never came with an instruction manual.

Modern life has become increasingly complicated, despite humans not changing very much.

Hi Human is a media brand exploring the timeless principles of being human through thoughtful conversations inspired by philosophy, history, psychology and lived experience.

We believe that while the world continues to evolve, the fundamental questions of life remain the same. How do we make better decisions? Build meaningful relationships? Find purpose? Navigate adversity? Live well?

Our mission isn't to tell people what to think. It's to encourage them to think more deeply about themselves, each other and the world around them. One conversation at a time.

Get notified at launch
Hi Human podcast
Amrit speaking on stage
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Keynote topics

Talks on the ideas shaping how the next generation learns, works and leads.

Book Amrit to speak
  1. 01

    The Hidden Curriculum

    What school never taught us about money, work and building a life.

  2. 02

    AI & the Future of Product

    How agentic AI is reshaping product teams, decisions and org design.

  3. 03

    Building Ventures in Emerging Markets

    Lessons from scaling fintech, healthtech and consumer products across the UK and GCC.

  4. 04

    Financial Capability for the Next Generation

    Turning financial literacy from a slogan into behaviour that sticks.

  5. 05

    Women, Leadership & Reinvention

    On resilience, rejection and building an executive career on your own terms.

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The Hidden Curriculum

Notes on what school never taught us.

An occasional letter on money, work, product and building a life on your own terms. Early chapters of the book land here first. No spam. Unsubscribe anytime.

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Contact

What would you like to discuss?

Speaking, advisory, fractional product leadership, media, partnership - use the form and the note lands in Amrit’s inbox.