Akshay Mehrotra is one of the founding member of Fintech Association for consumer Empowerment (FACE). At FACE, a not-for-profit industry association Akshay is committed to build a robust FinTech ecosystem in India with an objective is to ensure a strong focus on ethical lending practices among the web-based and mobile-first consumer-lending organizations.
He is also the Co-Founder and CEO of EarlySalary, India’s largest consumer lending application for salaried individuals. He is responsible for devising EarlySalary’s product strategy, and in pursuing his mission of turning his Fintech venture into India’s next unicorn.
An astute thinker and a keen strategist, Akshay has been the driving force behind the stupendous rise of EarlySalary and has successfully scaled his Fintech start-up from a small team to more than 250 young and talented individuals, and from a few lacs in turnover per month to disbursing 1Million loans amounting to over Rs. 2,000 crores.

An IIM-A alumnus and a Chartered Accountant, Anand Kumar Bajaj is the Founder, MD & CEO of Nearby Technologies Pvt. Ltd. With over 18 years of experience in Digital Payments and Mobility, Anand holds 5 patents in banking technology and worked earlier at YES Bank, ICICI Bank, and Ernst & Young. Previously he was the President and Chief Innovation Officer at YES Bank, where he steered several high-impact programs in digital payments. Anand has actively participated in the Steering Committee of NPCI shaping the IMPS and UPI industry and has been a member of RBI’s ad-hoc committee on Mobile Payments and NUUP. At the Fintech startup, Nearby Technologies, Anand and his team are committed to enabling the reach of digital payments and financial services at the first mile by empowering retailers.
After securing a B. Com degree from Hansraj College, Delhi, Anand went on to complete his Chartered Accountancy and Company Secretary certifications following which he completed his Management Studies from IIM-Ahmedabad. Throughout his prolific career, Anand has secured 5 patents in Banking Technology, has actively participated in the Steering committee of NPCI, shaping the IMPS and UPI industry. He has also been a member of Reserve Bank of India’s ad-hoc committee on Mobile Payments and NUUP

With an overall experience of 16+ years, Ashish brings along significant expertise in product and platform engineering, including architecture, user experience, site operations and product strategy. Ashish is currently the Head of Engineering at Niyo for Niyo-Global and NiyoX.
Ashish as a technology leader has been responsible for developing and executing global technology strategy in marquee companies like Oracle, and MakeMyTrip in the US and in India.
BHe has completed his post-graduation in Business Administration and Management from IIM – Calcutta and Bachelors’ degree from University of Allahabad. Some of the causes that Ashish cares about are: animal welfare, arts and culture.

Avinash Godkhindi is an International FinTech &Payments Leader with over a decade and half years of experience in 12 countries across 5 continents. Avinash has worked in leadership roles in Digital Payments, FinTech and Cash Management businesses in Product, Sales, Marketing, Strategy, Technology and Operations roles with banks like Citibank, Barclays & ING Bank and FinTech companies like Zaggle, Misys & NIIT Technologies.
Avinash has been the CEO of Zaggle for the past 8 years and focusses on Business Development. Growth and new opportunities, Banking and Network partnerships, Go to Market Strategy and Operations. Prior to Zaggle, Avinash launched and ran the Citibank PremierMiles credit card in India as the Product Head for PremierMiles.
Avinash has done his Electrical & Electronics Engineering from Bangalore University and MBA from University of Chicago Booth School of Business
Avinash’s interests include a variety of sports, reading, music, current affairs, travelling, running and spending time with family & friends!

Avtar Monga is a part of the advisory governance council of Fintech Association for consumer Empowerment and serves as Partner at Stride Ventures. For FACE, a not-forprofit industry association, Avtar is committed to build a robust FinTech ecosystem in India and intent to work with all stakeholders including the consumers, regulators, policymakers to proactively evolve consumer-centric practices in the Indian Fin-Tech digital lending space.
With over three decades of experience in the Banking and Financial sector, he is a leading expert in the industry, with a wealth of knowledge and consumer insight about its future, which he believes shall be shaped by technology.
He currently serves as Managing Partner at Stride Ventures. In past served as the Chief Operating Officer at IDFC First Bank where he launched a comprehensive bank in a record time. Prior to joining IDFC, Mr. Monga served with Bank of America as Managing Director Global Delivery Centers of Expertise (GDCE) globally. He was responsible for providing services across Operations, Technology, Data Centre Management, Finance and Accounting, Analytics, Operational Risk and HR across multiple lines of businesses and geographies.
In the past, he has also worked as part of GE Capital's India management team. At GE, he led its Transport Financial Services business as its CEO. He also served as chief executive of its card JV GEC BPMSL with State Bank of India. He also serves as an Angel Investor.

Bala has donned many hats in his career. From being a serial entrepreneur to a venture capitalist – he has done it all! With his endless reservoir of energy and passion to ideate, strategize and execute, Bala has over 25 years of experience in the world of start- ups.
At MoneyTap, Bala is the Co-founder & Chairman driving the vision & strategy of the company. Built as a global platform from the start, MoneyTap aims to be the Credit Line for Asia, providing friendly & flexible credit to hundreds of millions of smart-phone enabled consumers without credit cards, in the developing markets.
Bala was one of the co-founders of Prime Venture Partners (formerly AngelPrime Ventures), a seed – stage fund based in Bangalore. From 2011 - 2016 he was deeply involved in companies such as ZipDial (acquired by Twitter), Ezetap, SmartOwner, Vidgyor, Happay, HackerEarth, Synup, Healthify.me, Quizziz and more.
Bala has built three companies, the largest being Snapfish, bought by Hewlett Packard in 2005. As General Manager and MD for Snapfish International, he led its growth into becoming the world's largest online photo site with 100M+ users, and expansion into over 20 countries in Europe and Asia Pacific.

Bhakti Vithalani is the Founder and CEO of BigSpring, a lifelong skilling platform. BigSpring has over a million learners globally and is the platform of choice for Uber, Google, Facebook, AXA Insurance, Tata Steel and others. Under Bhakti’s leadership, BigSpring has been selected by the World Economic Forum (WEF) as a Technology Pioneer 2020. Bhakti also sits on the Board of Governors for JA Worldwide and co-chairs JA’s Learning Experiences Committee. Previously, Bhakti worked as an Engagement Manager with McKinsey & Company leading client engagements for the High Tech and Corporate Finance practices and started her career in product development in Silicon Valley with Siebel Systems. Bhakti is a Computer Engineer with University Honors from Carnegie Mellon University (where she was among the first women from India to attend) and has an MBA from The Wharton School where she was a Joseph Wharton Fellow.

Prior to joining world-leading blockchain engineering firm ConsenSys, Charles was Head of Fintech with Hong Kong government (InvestHK). He served 450+ FinTech companies and steered the growth of the Hong Kong Fintech Week to 10,000 global attendees. Charles is also the author of the book "Block Kong, 21 brilliant Hong Kong blockchain entrepreneurs". Mr. d'Haussy leads Hong Kong Monetary Authority and Bank of Thailand CBDC projects at ConsenSys.

Daksh’s practice covers diverse areas of general corporate commercial and mergers & acquisition. He is particularly known for his work in regards information technology, data protection and real estate matters. Daksh has advised clients on a variety of corporate law issues including inbound and outbound investment, joint ventures and acquisitions of private and public companies in India. Some of the work done includes advising clients like Airbnb, Wolters Kluwer, HERE Maps, SAP, Time Education, Nokia, Mercer, Emaar Properties, Mercer, and ICRA Limited. Daksh joined the firm in 2009. In 2013, Daksh completed his LL.M. as a Harlan Fiske Stone Scholar from Columbia Law School, Columbia University (CLS). After his graduation from CLS, he re-joined JSA. Recently, he also served as the Co-Chair of the Law & Justice Committee of the PHD Chamber of Commerce and Industry.

DebiPrasad Baral is an alumnus of BIT, IIM Ahmedabad and Stanford Ignite. Debi has worked as an innovation leader across multiple domains in Salesforce and Microsoft. His expertise lies in Enterprise Architecture, IT Strategy, Virtualization & Cloud Strategies, CRM & Sales platforms, and Mobile. Debi aims to change the Education Eco-System with next generation AI solutions to create a positive impact on the grass root level.

Dhaval Kapadia, CFA, CFP, is Director - Portfolio Specialist at Morningstar Investment Adviser India. He is responsible for leading Morningstar’s investment consulting business in India.
Dhaval has more than 17 years of experience in areas including fixed income, equity markets and investment advisory. Prior to joining Morningstar in 2014, he spent nearly six years at Axis Bank, leading a team of Investment Advisors, which were a part of the Wealth Management & Private Banking businesses. He was responsible for setting up the Investment & Portfolio advisory platform at Axis Bank. He was also involved in advising high net worth clients on asset allocation and investment strategies
Dhaval holds a Bachelor’s degree in Commerce from Mumbai University, an MBA with specialisation in Finance, the CFP designation from FPSB India and is a CFA charterholder.

G. Padmanabhan, ( DB: 29/05/1955) a post graduate in Economics from Kerala University and a Masters in Business Administration from the Birmingham Business School holds extensive experience and expertise in bank regulation and supervision, development of foreign exchange/securities markets in India, information technology and payment systems, with more than 35 years of experience with the RBI in various capacities i.e. recommending and implementing policies, systems, guidelines and regulations relating to the banking, financial services and securities sector of the country.
Padmanabhan was the Chairman of the Committee to implement GIRO in the country and has been involved in the implementation of new e-Treasury system in the Reserve Bank. He was also involved in the operationalisation of the first of its kind ISO 20022 standards based RTGS System and the digitisation of payment transactions.
Padmanabhan was also the Chairman of the Technical Committee on Services/Facilities for Exporters and a part of the think tank to manage market volatility, as well as a member of the Governing Council of the Institute for Development & Research in Banking Technology, a banking research institute established by RBI. He represented RBI in the Committee on Payment and Settlement Systems, Basel and was also inducted into the Steering Group of the CPSS-IOSCO for Review of Standards.

Ganesh Rengaswamy, a seasoned entrepreneur and venture investor, leads Quona’s investments in India and Southeast Asia.
Before co-founding Quona, Ganesh led Accion Frontier Investments’ work in India. Prior to his time with Accion, Ganesh was a General Partner of Lok Capital, a venture growth fund that invests in financial inclusion and social enterprises. Ganesh previously served as the Asia Director for Unitus Inc., a global organization investing in sustainable solutions in financial inclusion. During these stints, Ganesh invested and advised leading financial institutions and banks.
He previously led the entry of Greylock Partners, a Silicon Valley-based venture capital fund, into the Indian market and also co-founded Travelguru.com, acquired by Travelocity. Early in his career, Ganesh worked for Infosys, where he was responsible for customer acquisition and growth engagements for US-based Fortune 1000 clients.

Gaurav Jalan is the Founder and CEO of mPokket, a one-of-its-kind digital lending platform for college students and young professionals. A fintech, management, and value investing enthusiast, Gaurav has been leveraging technology, analytics, and his rich professional experience to supplement cost-effective delivery of credit to those segments of the population that are often disregarded by traditional financial institutions, through mPokket. As the Founder and CEO, he is responsible both for providing strategic direction as well as overseeing the on-ground execution of the company’s strategies.

Hardika Shah is the Founder & CEO of Kinara Capital, Bangalore based Fintech NBFC firm that provides loans without property collateral to small businesses.
Prior to creating Kinara Capital, Hardika spent 20+ years as a management consultant with Accenture, leading large teams and executing on complex projects for global companies across the US, EU and Asia-Pac. She has served as a pro-bono mentor for over a decade at top social entrepreneurship programs at Santa Clara University, Stanford University, Columbia University, Accenture Development Partnerships and the Acumen Fund and Columbia Business School. Recognized for her innovative and pioneering work with Kinara.
Globally recognized for her passion and innovative work, Hardika is an Ashoka Fellow, has received the Financial Inclusion Award by the Sankalp Forum, and won the People’s Choice Live Audience Award at The Wall Street Journal’s Financial Inclusion event.
Hardika Shah earned her MBA from Columbia Business School and UC Berkeley’s Haas School of Business joint program. She holds a B.A. in Computer Science from Knox College in Illinois, USA. She was invited by Symbiotics to present as a keynote speaker at an annual impact investing event in Geneva, Switzerland.

Mr. Huzefa Tavawalla heads the Bangalore office of Nishith Desai Associates.
He also leads the Disruptive Technologies Practice and is an integral member of the TMT & Corporate Practice Groups.
With a focus on fintech, he has been involved in numerous global advisory projects not limited to payment aggregators, intermediaries and cross border payment service providers.
Further, he has assisted several companies on their India businesses by culminating tax, law and strategy.
Lastly, an avid techno enthusiast with a deep understanding of IP intricacies in new age businesses.

Jaideep is a technology lawyer whose practice focuses on disruptive technologies and their interaction with the law. In particular, he advises on fintech regulations, privacy and cybersecurity, e-commerce, telecom, and other technology-related regulatory, public policy and contentious issues.
Jaideep led the firm’s representation of the Internet and Mobile Association of India in a landmark Supreme Court case where a central bank restriction on virtual currencies was set aside by the Court. He also led the drafting of an independent submission made by the firm to the Government of India on virtual currencies, as well as the drafting of a self-regulatory code of conduct for the industry.
He has been quoted and published in various Indian and international publications of repute, including Business Standard, The Economic Times, GQ, The Hindu, Livemint, Thomson Reuters’ Practical Law, Digital Business Lawyer, the Berkeley Technology Law Journal, the Indian Journal of Law and Technology, and the NUJS Law Review. He has spoken at various events on technology law, and blockchain regulation in particular. He has also taught a certificate course on blockchain regulation and policy at the National Law School of India University.
He was recognized as a Notable Practitioner by Chambers and Partners for its India Fintech Guide. He is qualified to practice in India and California, U.S.A.

Kumar is an Indian serial entrepreneur who was awarded an extraordinary status (O1) by the United States government for excelling in his work on blockchain technology. He started his career working as an Engineer for Wipro in 2012 where he built the navigation system for Ferrari. (Stayed until the minimum contract period and went to Italy) . He further, worked as an IT Manager, for Molina e Bianchi Industries (2014-2016) while pursuing his Masters in Italy in MS (Management), Politecnico Di Milano. He also co-founded Auxesis Group that pushed Blockchain innovation in partnership with governments and top fortune companies. In 2018, Gaurav founded Cashaa with an aim to bank the crypto economy and serve the underserved industries.
Gaurav, has also been a reputed speaker on the internal stage, having shared his views at Ivy League colleges in the USA, TieCON, Money 2020, European parliament, IIT etc. He further plans to expand

Lalit Mehta is the co-founder and CEO of Decimal Technologies. He is the driving force behind the company that has pioneered digital banking over the last decade. Lalit founded Decimal Technologies in 2009, when the concept of digital transformation in the BFSI sector was in its infancy. Under his leadership, the company enabled early adopters in Indian banking ecosystem to implement digital technologies and thereby helping them to become leaders in new-age banking today. At Decimal Technologies, Lalit’s role encompasses conceptualizing new products & offerings, own key client relationships, giving direction and shaping the future roadmap for the company. He has built a path for Decimal where it can keep reinventing every few years and stay ahead of the curve. He is a serial entrepreneur who has founded another company in identity and access management viz., Mobico Comodo, in addition to one in the education space called The Olive Schools.

Leila Pourhashemi is the Vice President - Technology Business Operations at Blackhawk Network. She has deep experience, leading company-wide transformations, reducing organizational complexity, and enabling teams to scale innovation more efficiently. She is an expert in technology program management and Agile at scale, providing a disciplined approach to operations, strategic planning, product development and portfolio management.
As Blackhawk Network continue to focus on speed and innovation, Leila is defining the operating rhythm, managing investments, and driving program performance and metrics. She brings the leadership needed right now to clearly define goals, objectively measure outcomes and increase the business agility.
Prior to joining Blackhawk Network, she worked with Ancestry as VP, Business Operations for Product & Technology, and led a step function increase in delivery of customer and business value. Prior to that, she was Head of Business Operations and Program Management for Information Security at Intuit. She was COO of Product at eBay Marketplaces and was the leader of PayPal’s large-scale agile transformation. She also held product/technology operations and program management leadership roles at LeapFrog, Nuance and Sun Microsystems.
Her global experience spans both startups and large tech companies, in industries as diverse as payments, toys and telecommunications. She has a B.A. in Applied Mathematics from the University of California, Berkeley.

Madhusudan Ekambaram is one of the founding member of FACE and CEO at Kreditbee. Previously, he led Product Management Team to operate Global Ecommerce for Huawei, working with Regional office to establish Ecommerce operations in 9 Countries including India from scratch.
He is an experienced professional with a demonstrated history of working in the financial services, Fintech and NBFC industry. He is skilled in E-commerce, Entrepreneurship, Product Management, and Start-ups.
At FinTech Association for Consumer Empowerment (FACE), a not-for-profit industry association, Akshay is committed to build a robust FinTech ecosystem in India with an objective is to ensure a strong focus on ethical lending practices among the web-based and mobile-first consumer-lending organizations.

Mr. Madhusudanan R is the Co-Founder of YAP. He had completed his graduation from the Institute of Technology and management, earning a PGDM in marketing. This has laid the foundation for his deep knowledge in the field of technology and management. He has about 15 years of experience in payments and in his last role as head of prepaid and financial inclusion products for India and South Asia at Visa. He has been an enthusiastic and visionary person from the very beginning which has enabled him to launch "YAP" and helped the firm to grow and achieve its planned goals.

Mr Mandar Agashe is the Founder, Managing Director and Vice Chairman of Sarvatra Technologies Pvt. Ltd. (www.sarvatra.in), India’s leading provider of fintech and payment platforms like UPI, IMPS, AEPS, BBPS, with key customers like ICICI Bank, Paytm, and Equitas. Sarvatra has been instrumental in making 500+ banks in over 26 Indian states join the national payments ecosystem through its unique SaaS model.
Mandar completed his BE (Computer Science) in 1990/91 from PICT, a leading engineering college in Pune, and has been active in the fintech industry for the last 28 years. His brainchild Sarvatra® Anywhere Money System is an innovative and unique banking technology that has won patents in India and South Africa and is already facilitating the delivery of banking services in an ideal manner in the rural and cooperative banking sector.
Mandar comes from a respected business family in India having generations of experience in various fields like Farming, Sugar factory, Pharmaceuticals, Banking, Steel and many allied industries. The Agashe family promoted one of the largest nonscheduled banks in India, Shree Suvarna Sahakari Bank, which was taken over in 2010 by Indian Overseas Bank (IOB).

Mr. Manish Dureja, an industry expert with over 20 years of experience, joined Jet Privilege Pvt. Ltd as the Head of Frequent Flyer Programme & Relationship Marketing in 1999. As the Managing Director of the programme, now InterMiles, he has been at the helm of affairs, spearheading initiatives. In his role, he has overseen the remarkable growth of the company, which has established itself as India’s leading loyalty and rewards management company. He brings in-depth business knowledge and unrivalled marketing expertise across cross-functional verticals to the table. As the Managing Director & CEO, Manish is responsible to implement an aggressive growth plan to drive higher member engagement and ROI for all stakeholders. After graduating from University of Pune with an MBA in Marketing in 1996, Manish went on to begin his career in the direct marketing and advertising industry as a Business Development and Account Manager for Direxions. His knowledge and interest in travel drove him to join Jet Privilege Pvt. Ltd in 1999 and since then he has been passionately spearheading various customer initiatives. Mr. Dureja has not only managed to keep to programme and its member/partner interest safe & secure, he has also been successful in granting assurance and maintaining a positive imagery for the brand through various crisis points across the year.

Meghna Suryakumar is the Founder & CEO of Crediwatch a ‘Data Insights-as-a-service’ company that provides lenders, businesses with actionable credit intelligence on private entities they need to improve trust and increase their lending and trading activity. Crediwatch does this with no human intervention by deploying the latest practical AI and technology tools that provide the most reliable comprehensive real time inputs.
Prior to Crediwatch, Meghna practised Law and had her own international law practice based in New York City and India. She is an alumnus of Columbia Law School and has a Certificate of Entrepreneurship from Stanford Business School. Her prior experience of finding alternate sources of data to find risk information on M&A targets led her to starting Crediwatch.
At Crediwatch, she seeks to realise her passion for solving large complex problems by using technologies such as AI, ML & NLP to provide a dynamic “Trust Score” on the unbanked SME, an untapped opportunity worth billions of dollars.

Naveen Kukreja is the CEO & Co-Founder of Paisabazaar.com - India’s largest marketplace for lending products. It is also India’s largest credit score platform.
Naveen has an experience of over 19 years in the financial services markets of India and Europe, having worked in leadership roles at Citibank, Capital One and Aviva Life Insurance before co-founding Paisabazaar.com under the Policybazaar Group in 2014.
Under Naveen’s strong leadership, Paisabazaar.com has not only been the market leader since 2017, but also became last year the only independent online platform to disburse USD 1.5 billion (over Rs 11,000 crore) of loans on an annualized basis. It also runs India’s largest credit awareness initiative by offering consumers their free credit report with monthly updates for life.
Naveen has been felicitated by Entrepreneur India as “Entrepreneur of the Year – Financial Services” & by Business World with the ’40 under 40’ award – a recognition to India’s top 40 leaders under the age of 40.
Naveen is an alumni of prestigious institutes like IIM Calcutta and the Delhi College of Engineering.

Nirav Choksi is the Co-Founder and CEO of CredAble, a working capital financing focused FinTech firm partnering with large corporate clients to offer liquidity programs for their supply chain and distribution chain ecosystems.
Over his 25-year successful entrepreneurial career, Nirav has built large scale businesses in the technology, commodity and structured finance domains. His experience in structured trade finance & working with over 30 global banks to build trade facilities for his commodity business laid the foundation to build similar solutions for large corporates through a technology driven platform.
Apart from work, Nirav is an avid reader who loves to binge watch food videos and curate his own recipes. He also takes delight in travelling around the world. He is clear about work life balance being a myth and work life integration being the way to live.

Nitin Vyakaranam is the Founder & CEO of ArthaYantra, a Financial Wellness Platform. Nitin has over 18 years of global experience in Banking & Financial Services, Consulting and Technology. Nitin’s core expertise is in Quantitative finance and technology.
He is on the advisory committee of SEBI’s Mutual Funds Advisory Committee (MFAC), Fintech committees of IAMAI and FICCI.
His expertise in FinTech is highly sought after by the national media, both print & electronic. He writes regular columns in Economic Times, LiveMint, Moneycontrol.com, Eeenadu etc.
Nitin holds a PGDM in Analytical Finance and Leadership from Indian School of Business (ISB) and also holds an MS degree in electrical engineering from Northern Illinois University (NIU), Illinois.

Nitish Asthana has over 22 years of experience in senior executive roles across payments, fintech, insurance and banking with large multinationals.
Nitish last served as Managing Director- India & Sri Lanka at First Data Corporation and Fiserv Inc (FDC merged with Fiserv Inc in July 2019), where he led businesses across merchant payments/acquiring, cards issuing processing and banking technology. He was instrumental in building ICICI Merchant Services (a Fiserv JV with ICICI Bank) to a market-leading franchise in revenue growth, profitability, and scale.
Previously, he served as the APAC head of First Data's merchant payments business across 9 countries and based in Singapore. He has also served as General Manager of First Data's JV with ICICI in India and as the Head of Ventures, focusing on corporate development, partnerships, and M&A.
Nitish has led the start-up of two large life insurance companies- Bharti AXA Life and Aviva, as a founding leader at both JV firms. He led the establishment of the distribution platforms in Bancassurance, telecom- insurance and agency channels, led the founding partnerships with banks and corporates, and led the launch of new products. He also served as Director- Bancassurance and Partnerships at Metlife India, leading the dominant distribution channels for the company. His early career was at Standard Chartered and Citibank in their respective consumer banking units.

Nitya Sharma is the Co-Founder & CEO of Simpl - India’s fastest growing Buy Now Pay Later platform. Simpl is one of the leading players in the ‘pay later’ space with a network of 2500+ merchants and aims to make payments invisible and money intelligent. It envisions to create an inclusive digital payments experience for India that empowers and fosters trust between merchants and their customers.
A Financial Mathematics graduate from the University of Michigan, Nitya started his professional journey at Bear Stearns in the mortgage-backed securities group in 2004. He then joined the collateralized debt obligations and credit correlation at Goldman Sachs as a Vice President before establishing Simpl in 2015."

Panagiotis has spent his career in the borderline between business and technology with a leadership background that combines Financial Services & Banking with Payments, E-commerce and Digital Projects.
Panagiotis brings senior expertise across Financial Services, Banking & Payments having worked in the Retail, SME and Corporate segments. He enjoys working in an international environment and has worked extensively across Europe.
Innovation, Digitization, Customer Experience, Fintechs & Partnerships have been at the center of his work and attention over the last years.
Title: Head of Business Development, Unzer

Mr. Prabhakar Tiwari is the Chief Growth Officer at Angel Broking. In his role, he holds the baton for Sales, Marketing, and Digital Transformation at the digital brokerage firm.
Under his leadership, Angel Broking has seen rapid improvements in its digital maturity metrics and market share gains with a strong focus on customer-centric KPIs and a slew of new initiatives. He has been pivotal in the brand’s emergence as the fourth-largest brokerage firm in India. He made it possible via several award-winning campaigns including ‘Aage Badhne ka Smart Sauda’, ‘#ShagunKeShares’, and ‘Ek Nayi Shuruaat’ to name a few.
Prabhakar’s forward-looking vision has created a strong brand recall of Angel Broking across both metropolitan regions as well as tier-2 and tier-3 cities and beyond in India. Prior to Angel Broking, he has worked with several prominent companies including Marico, PayU and CEAT alongside others.

Pranav is a seasoned professional, with over fifteen years of leadership experience, who firmly believes that for individuals, entrepreneurs and enterprises to build successful and financially sustainable businesses, financial well-being and wellness rests at the core of such success.
Pranav is responsible for devising and executing strategies encompassing Fund structure, people, deal flow, fundraising, investment management, governance, compliance and risk management. In addition, to his role at Woodstock Capital Fund, he is an Advisor to Alliance Block (Decentralized Investment Bank) and Orion Protocol (Decentralized liquidity Aggregator).
Over the years Pranav has taken on leadership roles covering functions and verticals such as business development, sales and distribution, asset management, private equity and insurance. Bringing together this vast array of experience, Pranav’s expertise lies in identifying, understanding and contributing towards structuring and executing the business side of the start-up ecosystem.

Rashmi Mohanty is the CEO – Interim and Group CFO for Clix. She has over 25 years of experience in the financial markets and has deep exposure across treasury, investor relations, corporate finance and derivatives. In her prior roles, she has been instrumental in setting up and leading large treasury and investor relation function.
In her various assignments, she has worked on diversifying the funding sources, digitizing treasury operations, implementing efficient processes and policies in finance functions.
She is a Computer Science engineer from Delhi Institute of Technology (now NSIT) and a post graduate from Indian Institute of Management, Bangalore.
She is a fitness enthusiast, is passionate about long distance running and have participated in various marathon and ultra-marathon races.

Robin is the Chief Business Officer at Manipal Global Education and heads the Academies of BFSI and the School of Fintech. With over 25 years of global experience, Robin is a highly skilled expert around Digital Transformation across both technology and people. He has built and scaled businesses across Europe, Asia Pacific & North America while performing leadership roles within industry verticals such as Financial Services, EdTech and Healthcare. Robin is an alumnus of UC Berkeley and Calcutta University.

Rohit Garg, co-founded SmartCoin Financials in 2016 with the intention to create the first Bharat-centric best-in-class platform that can effectively enable credit and eventually full financial product services for a vastly underserved middle and lower-income segment that consists of over 300 million micro-entrepreneurs, micro-merchants, aspiring professionals and blue/grey-collar workers in a 100% digital and automated manner.
Rohit completed his B. Tech in Computer Science from IIT-Kanpur and his MBA from IIM-A. Before turning into an entrepreneur, Rohit has worked with Citigroup, Deutsche Bank and Morgan Stanley and has also served as the Vice-President at Nomura, a Japanese financial services group.
Rohit is passionate towards bringing social change via tech and has been a strong believer in the "Emerging India" and aims to serve the underserved segments of the country with Financial Inclusion. SmartCoin currently has the trust of over 5 Million users across the country and aims to launch more products to serve the sector.

Sachin Seth is a Partner and Digital – FinTech leader with EY. With over 20 years of experience in serving cross-industry clients in IT and management consulting, Sachin has strong expertise in helping organizations develop digital strategies and in the implementation of emerging technologies for financial services institutions, Retail and Ecom and start-ups and fintech firms. He has been involved in new age technology initiatives with companies across Industry segments , helping them build solutions for growth of B2B and B2C digital platforms, covering India, Middle East, South East Asia and Africa.

Saloni Malhotra is currently the Vice President at Paytm, India's leading mobile payments company. In her time at Paytm, Saloni has started nr departments - Paytm Education, Paytm Ads, Paytm Service Agent Program, and she currently leads B2B marketing for Paytm.
Prior to Paytm. Saloni severed as Vice President at Invest India and led AGNIi, the National Program to accelerate the pace of innovation and commercialization. In her entrepreneurial capacity, Saloni has invested and started Reboot Wellness, an ecosystem and integrated facility for stress/ anxiety/ depression and related ailments and DesiCrew Solutions, a BPO company in the South of India. Both ventures are run by professional teams with expertise in their respective fields.
She is an engineer from Pune University by training and to understand better about management and entrepreneurship has done a short program from Judge School of Business, Cambridge University. She has also completed a one-year academic scholarship program on Social Innovation in a Digital Context from Lund University, Sweden.
Saloni is part of a few fabulous and vibrant communities globally as a Fellow of the Ananta Aspen Centre’s Kamalnayan Bajaj Fellowship, the Aspen Global Leadership Network, the Aspire Circle Fellow, and the Swedish Institute Management Program.

Mr. Sanjeev Sharma started Sqrrl Fintech Private Limited (Sqrrl) in 2016. SQRRL is an APP first financial planning, savings and Investments product platform that helps Indian Millennials achieve their financial goals. It is reimagining how millennials invest their money by building an automated saving and investment service from the ground up to put “customer first”
Mr Sanjeev Sharma has over 17 years of experience in Financial services, across Strategy, Sales , Business Development & Advisory. Mr. Sanjeev Sharma started his career with Kothari Pioneer Asset Management Company (India’s First Private Sector Mutual Fund) in 2000 and later worked with Global Asset Managers Franklin Templeton, AIG Investments and PineBridge Investments. His last assignment was with OPC Asset Solutions as Senior Vice President-Business Development.

Sameer is the founder of Revfin (Revfin Services Private Limited), an advanced digital consumer lending platform that can underwrite financially excluded and underserved segments, giving them access to loans primarily for employment generation. He is also a member of the Board of Directors of Aristo Securities Private Limited, a Non-banking Finance Company (NBFC) regulated by the Reserve Bank of India (RBI).
Prior to setting up his entrepreneurial venture, Sameer has held several leadership positions in banking and consumer lending. Having spent most of his professional career in the United Kingdom, Sameer has acquired deep expertise in credit risk management, analytics and credit product/profitability management. He also carries the privileged experience of working across six continents with a variety of customer segments and consumer lending products.
An Air Force Bal Bharti School Delhi alumni, Sameer completed his graduation from IIT Kharagpur graduate in Management and Engineering. He has received several awards including an NBFC industry Emerging Leader Award in 2019. At RevFin, Sameer adopts a unique approach to underwriting, a rich value proposition, and a differentiated distribution model, aiming to build a lending book of Rs. 3000 crores in the next 5 years, with more than 20% of returns on investments. However, his foremost intent is to revolutionise consumer lending in India.
Apart from being a fintech entrepreneur, Sameer also provides expert views and writes articles in popular print and online media on various topics including leadership, start-ups, entrepreneurship, fintech, lending and risk management. He writes blogs to share his personal experiences and insights. besides mentoring students and young professionals in their corporate or entrepreneurial journey.

Sanjay is a Partner in the Corporate and Commercial Team of Khaitan & Co and is based in Bangalore.
Sanjay takes keen interest in the various intersections of law and technology, and Fintech matters in particular. Sanjay has been named by IFLR-1000 as a notable practitioner two years in a row and by RSG India as a client recommended lawyer.
Apart from client work, Sanjay closely works with iSPIRT (Indian Software Product Industry Roundtable), Digital Lenders Association of India (DLAI), Digital India for Collective Empowerment (DICE), and Vidhi Centre for Legal Policy on various policy and other initiatives around regulations for Fintech and other new age and emerging areas.

Sanjay Sharma is a founder of Aye Finance, a young organization driving innovation that delivers customer centered and affordable loans to small and micro enterprises which had so far been locked out of the financial system in India. As the Managing Director at Aye Finance, he leads the organization and directly supervises the IT, strategy, risk, human resources and finance functions. Under his leadership, Aye Finance has become a vibrant and deeply engaged team that is rapidly setting new standards in building a quality loans portfolio in an inclusive manner.
With his IIT-IIM pedigree, Sanjay’s stellar achievements spanning 30 years in consumer lending, are no surprise. Not one to stay content with incremental growth, he has led a number of transformational programs in large banks. He pioneered the launch of direct banking channels in HDFC Bank in the 90s and laid the foundation for its large scale adoption by customers. He directed the establishment of consumer lending and credit card operations at ICICI. He catalyzed SCB in UAE to build an exceptional level of customer satisfaction through effective Service Quality programs. At the Indian startup venture of New York Life Insurance with Max Life, Sanjay automated and transformed the key departments of Underwriting, Claims and Customer Services. Between 2003 and 2009 as its CEO-International, he grew Tamweel PJSC, a greenfield venture for housing finance, to become the largest housing finance company in UAE that broke many benchmarks at its IPO that was oversubscribed over 200 times.

Sanjeev Kumar has built the core technology that powers the merchant commerce platform in use by Pine Labs. He holds a B.Tech degree from IIT, Kharagpur. Started his career with Infosys and is working with Pine Labs since 2004. He is the Principal Architect of two largest solutions in the country which changed the way Gas Stations were automated and the way Credit/Debit transaction acquiring happened. Both these solutions are in production over the period of last more than one decade.

Satyam is one of the founding members of FACE and is committed to build a robust FinTech ecosystem in India and aims to drive fair & honest lending practices among the Indian FinTech sector. He also spearheads Business, Liabilities and Relationship initiatives at LoanTap.
Satyam is a banking industry veteran with enriched experience of more than 19 years. Before founding LoanTap, he was National Head - Mortgages, at IndusInd Bank. Prior to that he held multiple positions in Product, Business and Credit at ICICI Bank, including Regional Head - Mortgage in ICICI Bank.
Satyam also guides an NGO, Purn-Kuti, for setting up an e-school and women livelihood support initiatives in rural areas. Apart from work, he can also be seen engaging himself in Adventure Sports and has successfully completed certification courses in paragliding, rafting, and skiing.

Mr Nath took on the role of an entrepreneur by acquiring control of a listed NBFC called Chokhani Securities Limited in 2018 and is now the Executive Chairman & Managing Director of U GRO Capital, a tech enabled small business lending platform.
Prior to embarking on his entrepreneurial journey at U GRO Capital, Mr Nath has been influential in setting up Insurance Companies, Global Asset Management Businesses, Capital Market and Lending Institutions.
Throughout his illustrious career, he has been instrumental in building two insurance companies, a large asset management company and an NBFC. Some of his biggest achievements include establishing new business verticals alongside foraying successful joint ventures and partnerships for the group.
He is a qualified lawyer and a University Rank Holder from the Banaras Hindu University (India) and is known to be a great motivator and a hands-on leader who trusts his instincts.

Current Position and Responsibilities
Shailesh Paul is Vice President and Head of Merchant Sales & Solutions India and South Asia. He is responsible for leading Visa’s merchant acceptance strategy, Visa’s merchant, acquirer and payment facilitator partnerships as well as the CyberSource business in the sub-continent.
Previous Positions
Shailesh joined Visa in 2006 and until recently led Merchant Partnership Development & Co-brands for Asia Pacific, based in Singapore. He was previously Head of Product Development, Asia Pacific at Visa and was the regional lead for core product development & specialized sales. Prior to that at Visa, Shailesh was Regional Director, Debit Products for Southeast Asia & Australia. Shailesh joined Visa from Standard Chartered Bank where he was Head of Credit Cards and Personal Loans, Qatar and held various management positions in India.

"Sharat Chandra is a keynote speaker, startup mentor, emerging tech evangelist and ecosystem builder. He advises across sectors, with a focus on blockchain and fintech. He drives engagements with Governments, Policy Makers, & Industry Associations. He is also recognized as Hedera MVP and has mentored multiple startups in blockchain and fintech space"

Shruti Aggarwal is the Co-Founder of StashFin, an app-based digital lending venture started by a team of former financial service professionals, dedicated to disrupting traditional lending in India.
A graduate from Sri Ram College of Commerce, Delhi, Shruti pursued Chartered Accountancy and Masters from the prestigious Columbia University in New York. From being a young team leader to launching global initiatives, Shruti’s professional journey is nothing short of inspiring. As an accomplished financial expert, she has led strategies for top banks and spearheaded her family business, apart from launching two successful startups. With immense love for numbers, Shruti started her professional journey with PricewaterhouseCoopers and has been contributing to the finance industry for close to two decades now.
Founded in 2016, the team at Stashfin is an eclectic mix of professionals who have worked with reputed firms in Banking and Financial Services such as Bank of America, Merill Lynch, Citi, Deloitte, Kabbage etc. in India and USA. With exposure across multiple functions including technology, customer experience and process re-engineering, the team is leveraging its collective experience to deliver best in class services and great convenience to its customers. With help of the advancements in technology and the growing drive towards digitalization, the company provides financial freedom in a much smoother and efficient manner. StashFin also received astounding recognition on LinkedIn's recent list featuring the ‘Top Startups from India’.
Shruti considers her ex-boss Sonia Toledo, a successful financial executive based in New York and Nykaa founder, Falguni Nayar as her role models. As an avid traveller, Shruti has travelled far and wide internationally. She loves spending time with loved ones, especially children. Shruti a multi-tasker, is highly self-driven, loving and most disciplined. Running and photography are her other passions that she follows diligently.

Shwaitang Singh, is a Partner, at McKinsey’s Mumbai office. He has extensive experience in serving financial services institutions in India and South-East Asia, on digital strategy, digital business builds, product development and large scale digital transformation related topics. Working at the intersection of business and technology, he has helped several large banks, non-banks and payment companies build robust digital platforms and deliver seamless technology-first experiences for their customers.

Strategic counsel for over 24 years, with leading corporates across diverse sectors including automobile, e-commerce, advertising and financial services. Has led multiple cross-functional leadership teams across diverse industry projects simultaneously, which have impacted millions of consumers.
Has held board memberships across regulated / listed financial services entities across Housing finance, asset management, life insurance, general insurance space & fintech firms. Well versed with contours of governance, board level strategic expectations, challenges of organisational redesign and related culture & communication imperatives. Serves on various industry associations / committees including:

• Member of the Governing Council - FinTech Association for Consumer Empowerment
• Visiting Fellow-Observer Research Foundation
• Member of the Royal Institution of Chartered Surveyors(RICS)
• Fellow of the Institute of Directors(IOD)
• Hon Member-Management Council – South Indian Education Society (SIES)

Srinivas Kotni is the Founder & Managing Partner of Lexport, a boutique legal firm providing the whole spectrum of Consulting, Litigation and Representation services in Trade, Tax, Corporate, Commercial and Intellectual Property Rights. He holds a Bachelor’s degree in Law from the University of Delhi along with Company Secretary from the Institute of Company Secretaries of India, Post-Graduate Diplomas in Industrial Relations, Personnel Management, Information Technology & Management. He has been handling a variety of legal, corporate and taxation issues for more than 26 years. Prior to setting-up Lexport, he was an Information Technology professional and thereafter a Consultant Attorney with a leading firm specializing in the areas of Corporate & Commercial Laws, Indirect Taxation and Intellectual Property Rights. He has a team of around 30 legal resources. The clients handled by him include some of the largest fortune 500 companies, international and multilateral organizations, multinational corporations, domestic corporate houses, banks, government, and public sector enterprises, etc. He regularly speaks at different forums and also teaches at IIFT, ICSI, ICAI, various law schools etc. Srinivas Kotni is also contributing his knowledge and services on the boards of various corporations (multinational as well as domestic). Recently his book “Adventures of the GST Man” received wide acclaim. He was rated as one of the top 40 lawyers in India, under the age of 45 years, through a global survey.

Subramanya SV (Subu) is Co-Founder & CEO at Fisdom, a leading wealthtech platform, incorporated in 2015. Previously, Subu was a Partner at Bessemer Venture Partners, leading firm's technology investments in India, where he was on boards of companies such as Snapdeal, TaxiForSure, and BharatMatrimony to name a few. He has close to a decade of work experience in the venture capital space.
Subu holds a bachelor’s degree in Computer Science and Engineering from Mysore University and an MBA from the Indian Institute of Management Ahmedabad.

Suhail Sameer is the Group President of BharatPe and has close to a decade and half of experience of working with companies from the Consumer, Energy and financial services sectors. He has built businesses from scratch and also helped turn around and/or grow existing companies.
As the Group President of BharatPe, Suhail is working to build BharatPe as the one-stop destination for all financial and payment needs of the merchant community. He is focussed on building a robust financial services business as well as creating new revenue lines on top of BharatPe’s rapidly expanding merchant network.
During his career, Suhail has worked with leading companies like RP Goenka, Fireside Ventures, McKinsey and company and OTP Venture Partners.

Swastik Nigam is a investment banker turned entrepreneur with over 10 years of experience in multi-asset trading and investing. He founded Winvesta, a global investment platform for Indians and NRIs, in August 2019.
Prior to Winvesta, Swastik was Director of Deutsche Bank in London, where he was responsible for its multi-billion EUR global trading book on multi-asset products and a proprietary portfolio with peak assets of EUR 150 million. He is also proficient in optimising balance-sheet and risk-weighted assets.
Swastik firmly believes that diversification, consistency and low transaction costs are the keys to building an efficient portfolio. Since diversification for Indian investors has long been limited to domestic instruments, Swastik aims to drive change by making overseas investment easier and less expensive for investors in India.

Tania is the Head of Global Benchmarking at the Cambridge Centre for Alternative Finance, Cambridge Judge Business School and manages the Centre’s alternative finance benchmarking program. This programme tracks the growth and development of capital raising alternative finance activities spanning Europe, North, Central and South America, Asia and the Pacific, and the Middle East and Africa.
She has authored 18 industry reports since joining the CCAF. Tania is an expert on SME finance and also leads the Centre’s work on ‘SME Access to Finance in LATAM’. Tania completed an MSc at the London School of Economics, and a BA at Loyola College Maryland. Tania is a 2010 Fulbright Scholar.

Tushar Aggarwal (Founder & CEO) of StashFin. Prior to StashFin, he was an Executive Director at Everstone Capital, a private equity firm based out of New Delhi where he led the firm’s investments in Northern India across retail and financial services. His prior board affiliations include Ritu Kumar, Sohanlal Commodities Management, and Transpose Logistics. Prior to Everstone, Tushar was a private equity investor with General Atlantic based out of New York investing in areas of business services and technology. Prior to General Atlantic, Tushar was an investment banker in the mergers and acquisitions team of Lehman Brothers based out of New York. Tushar started his career with Goldman Sachs in New York. He holds a BE in Electrical Engineering from Stony Brook University, where he graduated Magna cum Laude. Tushar holds an MBA from The Wharton School at the University of Pennsylvania and the CFA charter. Tushar is an adventurist and tends to enjoy all things moving; having driven trains, buses, trucks, taxi cabs, and planes. Tushar is a private pilot and enjoys brewing beer. Tushar is a member of the Aspen Global Leadership Network and the Aspen Institute.

Vipul Sharma is Founder and CEO at Chqbook. Chqbook is India’s first Neobank for small business owners. Vipul has over 18 years of industry experience with specialised expertise in product, portfolio, and business development. In the past, he has worked with renowned BFSI institutions including IndusInd Bank, HDFC Bank, Citibank, and ICICI Prudential Life.

An experienced engineering leader for some of the biggest names in the internet technology space, Vishwanath moved from Google to join Acko’s senior leadership team, and leads the company's technology strategy, product development and design. At Acko, Vishwanath is responsible for the engineering, data science, product and design teams. He spearheads Acko’s technology initiatives to continue delivering innovative products and services that not only meet the needs of its customers today, but also deliver exceptional customer experience.
Over the last two decades, Vish has held leadership positions across several multinationals/internet companies and has more than 15 patents, in mail, IM, Communication and search system design. Before joining Google Engineering, he was VP & CTO at Hike Messenger and was responsible for building and growing the Data Science (DS) Practice ground-up. Prior to that, as VP of Engineering at AOL, he rebuilt and launched their communication and media technology suites.
Vish is a graduate in Engineering from the University of Bangalore, and holds a Masters in Electrical Engineering from Penn State University, Pennsylvania, US.

Cofounder and Chief Growth Officer at Ruptok Fintech Pvt Ltd. - a platform providing technological and logistical (inbound and outbound) solutions to asset backed lending institutions.
Started in July 2020, Ruptok recently closed an angel funding round of USD 1.3 million from a Canada based fund to expand operations to 22 cities in India within the next 12-18 months.
Started operations with gold loans and within 3 months of active operations, disbursed loans worth over Rs 15 crores.
I am a 2nd generation entrepreneur belonging to a family of real estate developers.

Education
• Schooling from GD Goenka Public School, New Delhi India.
• BSc Business Studies with specialism in Finance from CASS Business School, London. Class of 2018.
• Avid follower of and passionate about football, cricket, tennis and golf.

Mr. Yogendra Kashyap is a technocrat with around 30+ years of experience in technology and in nurturing new businesses. He has brought BFSI (Banking Financial Services in India) services to over 1 million touch points throughout India. He pioneered several Government of India’s technology enabled initiatives - before venturing into the Assisted Payments space.
A crusader for bringing about e-governance in government organisations, he has worked relentlessly towards devising new solutions and technologies in the ITES sector across the length and breadth of the country, while impacting the last mile. His vast experience has been the bedrock that has enabled RapiPay’s success and creation of many innovative products and services that reach the last mile through RapiPay. Under his leadership, RapiPay has become the 2nd largest player in financial inclusion services in a short span of 2 years.

Yogi Sadana is a founding member of Fintech Association for Consumer Empowerment (FACE) and is committed to build a robust FinTech ecosystem in India and aims to drive ethical lending practices among the Indian FinTech sector.
He is also the interim CEO at CASHe, one of India’s leading FinTech enabled app-only lending platform to salaried millennials. He is a chartered accountant and has an experience of 15 years in finance, strategy, business experience and has worked in leadership roles with large multinational organisations in the past.
As the CEO of CashE, Yogi spearheads Company’s ambitious growth plans to become a market leader in digital lending business using transformative technologies in AI/ML to build its financial product offerings. Besides managing the role of the CEO, Yogi continues to serve as the CFO of the company.

One of the youngest Media Moghul from India Dr. Annurag Batra is a serial Entrepreneur and a mentor to many successful entrepreneurs Dr. Annurag Batra a man of many talents and someone who adorns many hats Dr. Annurag Batra entrepreneur, an author, an angel investor and a TV show host and the founder of the iconic exchange4media group and Chairman BW Businessworld group
Dr. Annurag Batra believes if you make your hobby your profession, you don’t have to work and life is a blessing.
……THANK YOU…..