1. Ajay Pandey

Co-founder, Card91

Ajay Pandey is the co-founder of Card91, a company providing plug-and-play payment infrastructure solutions. The startup has raised $14 million from prominent investors including Infinity Ventures and Sabre Partners. Prior to founding Card91, Ajay held roles at Tricom India and Locus. He is an alumnus of IIT Kanpur.

2. Akash Sinha

Co-founder & CEO, Cashfree

Akash Sinha leads Cashfree, an API-driven payments and banking solutions platform that powers payment gateways and bulk payouts for businesses. The company is backed by notable investors such as SBI, Y Combinator, and Apis Partners. Before co-founding Cashfree, Akash worked with Amazon and BankBazaar. He is an alumnus of IIIT Hyderabad.

3. Amit Kapoor

Founder & CEO, OneStack

Amit Kapoor is the founder and CEO of OneStack, a platform offering white-labeled digital financial services, including payments, lending, and investment products. He holds degrees from NMIMS Mumbai and INSEAD, and is recognized for his innovative approach to expanding digital access to financial services.

4. Anish Achuthan

Co-founder & CEO, Open Financial Technologies Pvt. Ltd

Anish Achuthan is the co-founder and CEO of Open, a neo-banking platform designed for SMEs. The company provides current accounts, expense cards, and payroll solutions, and has achieved unicorn status. Anish is a seasoned fintech entrepreneur with prior experience at PayU and Citrus Pay, and is known for pioneering digital banking services in India.

5. Anuj Kacker

Co-founder, Freo

Anuj Kacker co-founded MoneyTap, which has evolved into Freo—a credit-led neobank that offers integrated financial services including savings, credit, and bill payments. He studied at St. Xavier’s College and ISB Hyderabad, and brings deep expertise in product development and consumer finance.

6. Anupam Bagchi

Co-founder, Upswing

Anupam Bagchi is the co-founder of Upswing, an API platform that enables companies to launch digital financial products quickly and efficiently. His career spans key roles at ICICI Bank, Axis Bank, NPCI, and Jupiter. He holds an MBA from IMT Ghaziabad and is known for his contributions to digital banking and infrastructure in India.

7. Anuradha Ramachandran

Director, Flourish Ventures

Anuradha Ramachandran is a Director at Flourish Ventures, where she focuses on financial inclusion investments. She has supported startups such as Kaleidofin, M2P, and MyShubhLife. With prior roles at Omidyar Network and Lazard India, she brings a blend of venture capital and corporate finance experience to India’s fintech ecosystem.

8. Anurag Sinha

Co-founder & CEO, FPL Technologies

Anurag Sinha is the co-founder and CEO of FPL Technologies, which offers mobile-first credit cards under the brand OneCard, aimed primarily at first-time users. He previously worked with ICICI Bank and co-founded Walnut, a personal finance app. He is an alumnus of IIT BHU and IIM Bangalore.

9. Hemant Vishnoi

Founder, Enkash

Hemant Vishnoi is the founder of Enkash, a fintech platform offering corporate and virtual cards, B2B BNPL (Buy Now, Pay Later), and expense management solutions. Under his leadership, Enkash has become a key player in business payments and spend automation in India.

10. Jitendra Gupta

Founder & CEO, Jupiter

Jitendra Gupta is the Founder and CEO of Jupiter, a retail neobank offering digital banking services in partnership with Federal Bank. Jupiter provides products such as savings pots, debit cards, salary accounts, and more. Before founding Jupiter, Jitendra worked at ICICI Bank and later founded Citrus Payment Technologies, a digital payment services provider. Citrus was eventually acquired by PayU, where Jitendra continued his journey in fintech.

11. Monish Anand

Founder & CEO, MyShubhLoans

Monish Anand is the Founder and CEO of MyShubhLoans, a digital lending and savings platform focused on the retail segment. The company offers a range of products including personal loans, earned wage access, investments, insurance, tax filing, and bill payments. MyShubhLoans is backed by prominent investors such as Gojo & Company, Patamar Capital, Omidyar Network, Saama Capital, and SRI Capital. Prior to this, Monish held leadership roles at financial institutions like Citibank, BNP Paribas, Standard Chartered, ING Investment Management, and Dhanlaxmi Bank. He also founded Exceed Support Services, a business process management firm specializing in collections, customer retention, and cross-selling. Monish completed his education from St. Thomas and IFIM.

12. Munish Bhatia

Co-Founder, Finvu

Munish Bhatia began his career as a software engineer before transitioning into banking with roles at HSBC and Barclays. With deep experience in the financial sector, he co-founded Finvu, a licensed NBFC Account Aggregator focused on simplifying the secure sharing of trusted financial data between customers and financial institutions. Finvu plays a key role in enhancing the scope and efficiency of lending in India. Munish holds degrees from the University of Mumbai and California State University, Fresno.

13. Nigel Morris

Co-Founder & Managing Partner, QED Investors

Nigel Morris is the Co-founder and Managing Partner of QED Investors, a leading fintech venture capital platform. QED has backed several global unicorns, including Credit Karma, NuBank, Avant, SoFi, and Klarna. In the Indian open banking ecosystem, QED has invested in prominent startups like Jupiter, FPL Technologies, and Upswing, all of which are featured in this list for their impact. Prior to QED, Nigel co-founded Capital One, a major bank holding company. He holds a Bachelor’s degree from the University of East London and an MBA from London Business School.

14. Nilufer Mullanfiroze

Head of Banking, Groww

Nilufer Mullanfiroze serves as the Head of Banking at Groww. With a strong foundation in retail banking, she brings extensive experience from her previous roles at Standard Chartered Bank, Federal Bank, and the NBFC IndoStar Capital Finance. Nilufer has led several neobanking initiatives and introduced innovative lending products during her career. Notably, during her time at Federal Bank, she played a key role in forming strategic partnerships with fintechs like Jupiter, Fi, and OneCard. She completed her education at Narsee Monjee Institute and Sydenham College of Management Studies.

15. Paroma Chatterjee

CEO-India, Revolut

Paroma Chatterjee is the CEO of Revolut India, the Indian arm of one of the world’s most valuable neobanks offering financial services to both retail and SME customers. With over 18 years of experience, Paroma has successfully led business growth across financial services, telecom, and e-commerce domains. Before joining Revolut, she served as the Chief Business Officer at Lendingkart. She has also held leadership positions at Airtel Money, Flipkart, and Via.com. Paroma holds a degree from St. Xavier’s, Kolkata, and an MBA from IIM Lucknow.

16. Rahul Raj

Co-Founder & CEO, flobiz

Rahul Raj is the Founder and CEO of FloBiz, a digital platform revolutionizing how SMEs manage their everyday business operations. A serial entrepreneur, Rahul previously founded Koinex, a cryptocurrency exchange, and an online food delivery business during his college years. With FloBiz, he is focused on empowering small businesses through digital solutions—a sector that has historically received limited attention. FloBiz is backed by top-tier investors such as Sequoia Capital, Elevation Capital, Greenoaks Capital, Beenext, and Think Investments, having raised USD 44 million in funding to date.

17. Rajat Agarwal

Managing Director, Matrix

Rajat Agarwal is a Managing Director at Matrix Partners India, where he leads investments in Fintech, Consumertech, and Healthcare sectors. An alumnus of IIT Delhi and the Indian School of Business (ISB), Rajat began his career at McKinsey & Company. He also gained hands-on experience in operations, sales, and marketing while helping run his family’s SME business in Delhi. At Matrix, Rajat has backed several successful open banking ventures, including Razorpay, OneCard, and Jupiter, all of which have played pivotal roles in shaping India’s fintech ecosystem.

18. Rajeev Ahuja

Executive Director, RBL Bank

Rajeev Ahuja is the Executive Director of RBL Bank and brings over three decades of experience in the financial services industry. Throughout his career, he has held senior roles in investment banking and financial markets across India, Singapore, and Hong Kong. Under his leadership, RBL Bank has formed strategic partnerships with leading fintechs such as Razorpay to deliver innovative banking solutions. Rajeev holds a degree from Shri Ram College of Commerce and an MBA from the Indian Institute of Management Ahmedabad.

19. Ramanathan RV

Co-Founder & CEO, Hyperface

Ramanathan RV is the Co-founder of Hyperface, a pioneering Credit Card-as-a-Service platform that enables businesses to seamlessly embed credit card products into their mobile applications. The platform is backed by notable investors including Kunal Shah, Better Capital, and Global Founders Capital. Before Hyperface, Ramanathan co-founded Juspay in 2012, a key player in the digital payments ecosystem. His professional journey also includes impactful roles at Amazon and BankBazaar. He holds an engineering degree from the National Institute of Technology (NIT), Tiruchirappalli.

20. Rohit Taneja

Founder and CEO, Decentro

Rohit Taneja is the Founder and CEO of Decentro, a leading API banking platform that simplifies integrations with banks such as ICICI Bank, Axis Bank, Yes Bank, Kotak Mahindra Bank, and Equitas. A seasoned fintech entrepreneur, Rohit brings deep expertise in payments, banking, and digital security. Prior to founding Decentro, he worked at Sony Japan and went on to launch Mypoolin, a social payments startup that was later acquired by Wibmo and subsequently by PayU. Rohit is an alumnus of IIT Delhi.

21. Sambhav Jain

Founder, Fampay

Sambhav Jain is the Founder of FamPay, a Bengaluru-based fintech startup empowering teenagers under 18 with financial independence through online and offline card payments. Recognized in Forbes 30 Under 30, Sambhav has led FamPay to win accolades including “Best on Campus” at the Economic Times Startup Awards. The company is backed by prominent investors such as Elevation Capital, Sequoia Capital India, Venture Highway, and Y Combinator. Before founding FamPay, Sambhav gained experience at Aeon Learning and Hotstar. He is an alumnus of IIT Roorkee.

22. Shalini Warrier

Executive Director, Federal Bank

Shalini Warrier is the Executive Director at Federal Bank, where she leads Retail Banking Products, Operational Excellence, and Digital Innovation. Under her leadership, Federal Bank has transformed into a digital-forward institution, establishing partnerships with neobanks like Jupiter and Fi, as well as with platforms in securitization (CredAvenue), credit cards (OneCard), and gold loans (Rupeek). Her efforts have significantly enhanced the bank’s digital capabilities across various domains, positioning it as a leader among private sector banks.

23. Shashank Shekhar

Co-Founder & Head of Consulting, The Digital Fifth

Shashank Shekhar is the co-founder and Head of Consulting at The Digital Fifth. He leads the firm’s fintech consulting practice, advising on areas such as Embedded Finance, Digital Lending, Digital Payments, WealthTech, and Security. Shashank has played a pivotal role in fostering the fintech ecosystem in India, training thousands of participants, including founders and senior leaders, in Fintech and Open Banking.

24. Sidharth Rath

MD & CEO, SBM Bank

Sidharth Rath is the MD & CEO of SBM Bank, where he has led the bank’s partnerships with open banking entities like RazorpayX, Open, Enkash, Stashfin, Karbon, Kard, and more. With over 26 years of experience in the financial sector, Sidharth is a seasoned banker. Before joining SBM Bank, he held the position of Group Executive and Head of Corporate, Transaction Banking, and International Banking at Axis Bank. He completed his education at Berhampur University and the Xavier Institute of Management.

25. Sucharita Mukherjee

Co-Founder and CEO, Kaleidofin

Sucharita Mukherjee is the co-founder and CEO of Kaleidofin, a fintech company focused on advancing financial inclusion. The company offers products like long-term goal-based savings solutions, credit analytics for lenders to aid in underwriting customers, and a BBPS payment platform. Kaleidofin is backed by the Michael & Susan Dell Foundation, Oikocredit International, and Omidyar Network, and has raised nearly USD 23 million to date. Sucharita completed her education at Lady Shri Ram College for Women and IIM Ahmedabad.

26. Sumit Gwalani

Co-Founder, epiFi

Sumit Gwalani, who previously worked at Google Pay, co-founded Fi Money, a money management app designed for working professionals. Fi offers a zero-balance savings account, commission-free mutual funds, Fixed Deposits, Flexible Jars, a Debit Card, Payments, and more. The company has partnered with Federal Bank to provide these services. Fi is backed by investors like Hillhouse Capital Group, Ribbit Capital, Sequoia Capital, and B Capital Group, and will soon expand to offer mutual fund investments and peer-to-peer lending. Sumit has also worked at Trlokom and Google, and completed his education at the University of Mumbai and UC Santa Barbara.

27. Tushar Aggarwal

Founder and CEO, Stashfin

Tushar Aggarwal is the founder and CEO of Stashfin, a neobanking platform that provides credit lines to underserved retail customers. The platform offers products like credit lines, personal loans, and an employee expense management platform. Stashfin is backed by investors such as Uncorrelated Ventures, Fasanara Capital, Abstract Ventures, Altara Ventures, Kravis Investment Partners, and Snow Leopard, having raised USD 270 million recently, boosting its valuation to between USD 700-800 million. Prior to founding Stashfin, Tushar worked at Goldman Sachs, General Atlantic, and Everstone Capital. He completed his education at Stony Brook University and Wharton.

28. Vaibhav Domkundwar

Founder & CEO, Better Capital

Vaibhav is the Founder & CEO of Better Capital, a tech venture firm that has backed successful open banking companies like Open, Jupiter, Hyperface, Khatabook, Upswing, M2P, and more. Better Capital focuses on investments across segments such as fintech, SaaS & software, crypto, edtech, consumer tech, agritech, healthtech, gaming, climate, and services. Prior to founding Better Capital, Vaibhav founded Roamware, a venture-backed company that was later acquired. He completed his education at the College of Engineering Pune and the University of California, Berkeley.

29. Vinay Bagri

Co-Founder and CEO, Niyo

Vinay Bagri is the co-founder & CEO of Niyo, a fintech offering a range of products such as a global debit card, a wealth management platform, and neobanking solutions for both consumers (NiyoX) and businesses (Niyo Bharat). NiyoX is one of the most successful retail neobanks in India. Vinay is a seasoned business strategist and entrepreneur with a strong background in financial services. Prior to founding Niyo, he worked at Kotak Mahindra Bank as a Business Head. He completed his education from IIRM and IIM Calcutta.

30. Vipul Sharma

Founder and CEO, Chqbook

Vipul Sharma is the founder and CEO of Chqbook, a Gurugram and Bengaluru-based neobanking startup. Chqbook provides financial services to small business owners through five key pillars: banking, lending, insurance, khata, and rewards. The platform focuses on serving the underserved segment to promote financial inclusion. Chqbook is backed by Aavishkaar Venture Capital, Rajiv Dadlani Group, InnoVen Capital, and YWC Venture Capital. Before founding Chqbook, Vipul gained extensive experience working at Citibank, HDFC, IndusInd, and BankBazaar. He completed his education at Loyola College and the International Management Institute.

Top 30 Open Banking Influencers in India – 2022

Featured Influencers