# Madhu Tera

> Madhu Tera is the founder and CEO of TERA (tera.cloud), an AI-powered finance automation platform that bundles corporate cards, expense management, accounts payable, procurement and payments into a single command center for finance teams. Before founding TERA in 2018, Madhu spent years as a solutions architect inside the engine rooms of American finance - Fidelity Investments and State Street - an experience that shaped a conviction that small and mid-size businesses are badly underserved by traditional banks. TERA today reports more than 1,200 customers across healthcare, manufacturing, e-commerce, agritech and logistics.

- **Role:** Founder & CEO at TERA
- **Organizations:** TERA (tera.cloud), Fidelity Investments (former), State Street (former), Oat Systems / Checkpoint Systems (former)
- **Nationality:** Indian-American
- **Education:** Bachelor of Technology (B.Tech), Andhra University, Master of Science (MS), Kansas State University, ALM (Master of Liberal Arts), Harvard University
- **Known for:** Founded and leads TERA, used by 1,200+ companies across multiple industries, Built an AI-first finance platform spanning corporate cards, spend, AP, procurement and payments, Career as a solutions architect at major financial institutions (State Street, Fidelity)

## Career timeline

- **Early career** — Software Developer at Oat Systems, a division of Checkpoint Systems
- **Mid career** — Assistant Vice President and Solutions Architect at State Street
- **Later** — Consultant Solutions Architect at Fidelity Investments
- **2018** — Founded TERA, an AI-powered finance automation platform, based in Acton, Massachusetts
- **2020** — TERA raised seed funding (reported total funding around $500K)
- **2021** — Published a series of essays on Medium about AI-first fintech, low-code architecture and corporate banking
- **2024** — TERA reported roughly $7M revenue with a team of about 51 people

## Achievements

- Founded and leads TERA, used by 1,200+ companies across multiple industries
- Built an AI-first finance platform spanning corporate cards, spend, AP, procurement and payments
- Career as a solutions architect at major financial institutions (State Street, Fidelity)
- Holds degrees from Andhra University, Kansas State University and Harvard University

## Latest updates

- **2024** — TERA reported around $7M in revenue with a roughly 51-person team and 1,200+ customers including Spinny, Medicover, Wheelocity and Scoops India.

## Links

- Website: https://tera.cloud
- LinkedIn: https://www.linkedin.com/in/mtera/
- YouTube: https://www.youtube.com/@teracloudoffcial

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Profile page: https://yespress.io/madhu-tera
Published by YesPress — https://yespress.io
Last updated: 2026-06-24