Simplify personal finance from employee's first job to retirements
80L
Lives Impacted
30L
QoQ Transactions
10L+
Financial Literacy Interactions
Our Mission
We believe financial wellness is a fundamental right to lead a quality life. Yet, over 90% of the working class continues to be unserved or underserved with limited access to financial services or financial knowledge. We want to change this. With this vision, Refyne launched its flagship product Salary On-Demand in 2021, enabling employees to access liquidity as and when they need it. Today, we offer a complete financial journey right from immediate liquidity to financial education, savings and many more. Today, Refyne is making financial wellness a reality.
Meet our Leaders
Our philosophy is simple — hire a team of diverse, passionate people and foster a culture that empowers them to deliver their best work.
Amarpreet S Chaudhary
Director - Program Management
With 20 years of experience in various domains in tech; Amar brings expertise in retail banking, trade finance and agile development. He is an avid rider and occasional motorsport participant.
Anurag Tripathy
Vice President Head - Salary Care
Anurag Tripathy excels in enterprise sales, specialising in IT and Services sectors. As Head of Growth & Partnerships at India's premier Earned Wage Access platform, he transforms pay cycles for the Indian workforce, leveraging engineering and tech expertise.
Apoorv Kumar
CTO & Co-Founder
Apoorv, IIT-Guwahati alum, blends finance and tech prowess from Goldman Sachs and Shubhloans. An expert in investment strategies, trading platforms, and leading tech teams.
Chitresh Sharma
CEO & Co-Founder
Chitresh, a serial entrepreneur with over a decade of experience, co-founded Swipii and Cloud9i. He's been recognised in Forbes 30under30 and among the Top 100 UK startups.
Deepak P
Chief of staff
Deepak, an IIM alum, brings 8 years of diverse experience in venture capital, fundraising, product strategy, and corporate development, primarily in finance.
Karthik Gowda
Director Special Initiatives
Karthik, contributed to Chai Point's nationwide expansion for over 8 years. Now, at Refyne, he serves as Director of Special Initiatives, leading the Government Relations vertical.
Krishan Agarwal
Chief Finance Officer
Krishan brings over 15 years of finance expertise, specialising in strategy, business structuring, financial modeling, and reporting. He has worked extensively with multinational organizations.
Prashant Sharma
Vice President People & Culture
Prashant, a seasoned HR leader with 15+ years of experience, prioritizes building high-performance teams with a meritocratic culture.
Pushkina Nautiyal
Chief Marketing Officer
Pushkina, a Lady Shri Ram College alum, has a decade of experience scaling startups' user adoption for niche tech products. Passionate about entrepreneurship, she's an avid reader.
Sudhakar Kamath
Senior Vice President Head of Growth
Sudhakar, with over 20 years of sales experience in Banking, Insurance, and Manufacturing, is an SDM Institute of Management alum. He enjoys sports and plays football in his leisure time.
Suhrud Karandikar
Associate Director
Suhrud, an IIT Kharagpur alum, brings a decade of experience, with 7 years in finance and fintech. He's worked with Deutsche Bank, Cashfree, and Lendingkart.
Sumit Sagar
Vice President Product Growth
Sumit, a tech expert and ex-founder, has experience with organisations like MyShubhLife, holding a B.Tech. in Computer Science.
Vikram Duggal
Head of Risk & Collections
Vikram, a seasoned risk professional with 20+ years in BFSI across global markets, specialises in Risk Management, Portfolio Analytics, and Strategy Development for retail.
We’re Backed By
Our Advisers
Susir Kumar
Chairman, VFS Global AG
One of India's pre-eminent entrepreneurs, Kumar leads VFS, the world's largest visa services company. He also founded Intelenet Global and was instrumental in forming HDFC’s Bank and Insurance units.
Nigel Morris
Founder, Capital One Bank & QED Investors
Nigel founded & scaled Capital One, one of the largest banks in the US. He then founded QED Investors, a leading & highly successful fintech VC, recently closing US$ 1.05bn Fund.
Bobby Mehta
Chairman, JLL
Mehta is one of the most reputed names in finance, having led HSBC North America as CEO and TransUnion (CIBIL) as CEO and President.
Bala Swaminathan
Ex-President, Westpac International
Former president of Westpac International, previously also served as senior MD at Standard Chartered Bank and Sr.General Manager at ICICI Bank.
Culture at Refyne
Refyne fosters a culture of innovation, collaboration, and empowerment, where every voice is valued and every idea has the potential to make a difference.
INTRODUCING
"Polaris is not just an event; it's a beacon of unity, creativity, and shared purpose. It's where the entire Refyne team converges to envision our collective growth, fueled by camaraderie, joy, and mutual appreciation. Watch a glimpse into the electrifying spirit of Polaris 2024. Let's soar together!"
Refyne in the News
Building a Stronger Future Starts with Financial Wellness
