Take your employees on a
financial wellness journey

Refyne empowers employees to take control of their personal finances and
liberates them from expensive, exploitative credit services

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We are Asia’s largest and India’s first leading holistic financial wellness platform
providing every employee with a comprehensive approach to financial wellness.

300+

Employers

6 million+

Users

11

Languages

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, we introduced Salary On-Demand in 2021, for the first time, enabling employees to access their earned salary when they need it. Today, we offer a complete financial journey right from immediate liquidity access to financial education and protection. We are making financial wellness a reality.

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Meet our leaders

Our leadership team has over 25 years of rich industry knowledge and experience

CEO

Chitresh Sharma

CEO & Co-Founder

Chitresh Sharma

CEO & Co-Founder

A serial entrepreneur with 10+ years of experience, Chitresh has previously co-founded two tech startups – Swipii and Cloud9i. Some of his accomplishments include being featured in Forbes 30under30 and a spot among the Top 100 UK startups.

CTO

Apoorv Kumar

CTO & Co-Founder

Apoorv Kumar

CTO & Co-Founder

An IIT-Guwahati alumnus with nine years of experience in finance and tech, Apoorv has worked at Goldman Sachs and Shubhloans, where he developed fixed-income investment strategies, built a trading platform, and led tech and data analytics teams.

CMO

Pushkina Nautiyal

Chief Marketing Officer

Pushkina Nautiyal

Chief Marketing Officer

An alumni of Lady Shri Ram College, University of Delhi, Pushkina has a decade of experience working with startups in scaling user adoption and positioning for niche tech products.

CGO

Shailin Suvarna

Chief Growth Officer

Shailin Suvarna

Chief Growth Officer

Shailin has over 30 years of experience across BFSI & Retail Sectors, with extensive expertise in leading B2B and B2B2C businesses. His career highlight was his 16 years with HDFC Life, where he last worked as Senior Vice President - Bancassurance

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Executive Vice President & Head
Enterprise Partnerships

Director
Special Initiatives

Vice President
Engineering

Vice President
Operations

VP - Consumer
Marketing

Vice President
Enterprise Marketing

Vice President & Zonal Head
Enterprise Partnerships (South & East)

Vice President
Key Alliances

Associate Director
Products

Our investors

We are delighted to have leading global investors back our vision

Our advisors

We are honoured to partner with highly respected domain leaders

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Nigel Morris

Founder, Capital One Bank
& QED Investors

LinkedIn
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Bobby Mehta

Ex-CEO, HSBC
& TransUnion (CIBIL)

LinkedIn
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Susir Kumar

Chairman,
VFS Global

LinkedIn
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Bala Swaminathan

Ex-President,
Westpac International

LinkedIn
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Dr. Sanjay Muthal

CEO, Kontempore
& Ex-CHRO Piramal Group

LinkedIn
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Manuel Dsouza

Partner, Ingroup
Consulting Services LLP

LinkedIn

Our
culture

We believe in a culture fuelled by good conduct and resilience. It is driven by our values.

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2021

Year Founded

$406M

Total Funding

135+

Team Members

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Bengaluru

Prestige Pegasus, Sarjapur - Marathahalli Rd

Mumbai

303, Ecostar, Goregaon (East)