Introduction
India’s fintech landscape is evolving at an unprecedented pace, driven by rapid digital adoption, emerging technologies, and the growing demand for secure, seamless, and accessible financial services. Behind this transformation are technology leaders who are shaping the systems, platforms, and digital capabilities that power the country’s financial ecosystem.
From building scalable payment infrastructure and digital lending platforms to strengthening cybersecurity, automation, AI, data intelligence, and regulatory technology, today’s technology leaders play a critical role in turning innovation into sustainable business impact. Their responsibilities extend beyond technology, often bringing together product strategy, engineering, security, compliance, and business transformation.
The CTO 100 – Fintech Edition: India’s 100 Tech Leaders Shaping the Future of Fintech recognises professionals who are driving technology-led transformation across India’s fintech ecosystem. The list brings together senior technology leaders who are building resilient platforms, solving complex challenges, enabling financial inclusion, and preparing fintech businesses for the next phase of digital growth.
Srinivas Kotta, Chief Technology Officer, Ensuredit: With over three decades of technology experience across Adobe, Microsoft, IBM, Oracle and Motorola, Srinivas Kotta brings deep expertise in cloud computing, distributed systems and scalable architecture. At Ensuredit, he leads technology, product and platform strategy for its InsurTech SaaS business. His work spans AI-powered insurance features, blockchain-based microinsurance solutions and scalable cloud-native platforms. He also mentors startup founders and has over 70 early-stage startups in his angel investment portfolio.
Amod Vaidya, CTO | Head CBDC, Sarvatra Technologies: Amod Vaidya is a technology leader with over 30 years of experience across fintech, enterprise technology and digital infrastructure. At Sarvatra Technologies, he leads CBDC initiatives and has helped build a multi-award-winning CBDC stack focused on digital payments. His expertise covers digital payments, fintech, artificial intelligence and blockchain. He has held technology leadership roles at IBM, Netflix and Tata Consultancy Services, among others.
Vivek Viswanathan, Chief Technology Officer, PayNearby: Vivek Viswanathan is a technology and fintech leader with extensive experience across payments, SaaS and enterprise architecture. As CTO at PayNearby, he leads technology initiatives for the fintech platform, building on leadership roles at Setu, Ezetap Mobile Solutions and Blue Yonder. His career also includes more than six years in platform engineering at IBM India. His experience spans technology strategy, product development, engineering and digital financial services.
Govindarajan Kadambi, Co-Founder and Chief Product and Technology Officer, Dvara Money: Govindarajan Kadambi combines product and technology leadership with extensive experience across financial technology and enterprise software. At Dvara Money, he serves as Co-Founder and Chief Product and Technology Officer, driving the company’s technology and product direction. Previously, he held senior leadership roles at Sterling Software, FSS and Cognizant Technology Solutions. He brings over two decades of experience in technology delivery, product engineering and organisational leadership.
Ramkumar Venkatesan, Chief Technology Officer, Cashfree Payments: Ramkumar Venkatesan is a technology leader with extensive experience in payments, distributed systems and engineering. As CTO at Cashfree Payments, he leads the company’s technology function after previously serving as its Senior Vice President of Engineering. His career includes senior technology roles at Jivox, MiQ, Informatica, Yahoo! and Oracle. His background combines engineering leadership with deep expertise in software architecture and large-scale technology platforms.
Vinod Kumar, Chief Information Officer and SEVP – Operations, Fino Payments Bank: Vinod Kumar is a technology and business transformation leader with over 35 years of experience across banking technology, cybersecurity, digital transformation and enterprise IT. At Fino Payments Bank, he oversees technology strategy alongside Central Operations and critical support functions. He has played a key role in developing the bank’s technology capabilities and its asset-light, phygital banking model. His experience includes large-scale core banking transformations, technology migrations and operational technology leadership.
Pinak Chakraborty, Chief Information Officer and SEVP – Operations, Airtel Payments Bank: Pinak Chakraborty is a hands-on technology leader focused on enterprise digital products, engineering and scalable technology platforms. His expertise spans technology strategy, cloud-native and distributed architectures, cybersecurity, data analytics and machine learning. He has led technology modernisation and engineering initiatives with a strong focus on resilience, security and regulatory compliance. His engineering teams have also filed 17 patent applications, with 14 granted by the US Patent Office.
Jinu J., Chief Technology Officer, Aye Finance: Jinu J. brings more than 25 years of experience in banking and financial services technology, covering digital transformation, cloud infrastructure and technology governance. At Aye Finance, he leads the technology and digital transformation agenda while overseeing a 50+ member technology team. His initiatives include re-architecting the Loan Origination System, modernising AWS infrastructure and strengthening security and governance. His technology optimisation work has delivered over ₹1 crore in annual AWS savings.
Muthukumar Ayyakkannu, Chief Technology Officer, M2P Fintech: Muthukumar Ayyakkannu is a technology leader specialising in mobile and card payments, with a strong focus on simplifying payment solutions. At M2P Fintech, he has worked on bridging mobile and card ecosystems and developing payment solutions aligned with business needs. His previous experience includes technology roles at PayPal, Visa and Movida India. He brings extensive expertise in technology management, solution architecture, product development and delivery.
Sumit Nigam, Chief Technology Officer, Perfios: With 29+ years of experience in software and technology, Sumit Nigam brings deep expertise in distributed systems, data engineering, AI/ML and cybersecurity. He has built high-volume, low-latency systems and scalable BFSI applications. His experience spans product development, technical strategy, engineering leadership and innovation. He has also led technical and data science teams while contributing to technology research and publications.
Manish Bhatia, Co-Founder & CTO, Zynk: Manish Bhatia is a technology and fintech leader with over two decades of experience building scalable financial platforms. As Co-Founder & CTO of Zynk, he is focused on building payment infrastructure for instant global payments. Previously, he served as CTO and founding team member of Amazon Pay India and President of Technology, Analytics and Capabilities at Lendingkart. His experience includes digital payments, lending, analytics, credit platforms and large-scale technology architecture.
Prajakt Deolasee, Chief Technology Officer, Turtlemint: Prajakt Deolasee brings over two decades of experience in building technology products, engineering teams and scalable platforms. At Turtlemint, he leads technology while drawing on extensive experience across fintech, AI, mobile applications and product management. He has also co-founded multiple technology ventures and led engineering organisations at Rovi Corporation and Webaroo. His career reflects expertise in product innovation, engineering leadership and startup execution.
Natasha Jethanandani, Co-founder & CTO, Kaleidofin: Natasha Jethanandani is a technology leader focused on using digital and data-driven solutions to expand financial access. As Co-founder & CTO of Kaleidofin, she works on technology supporting financial inclusion for informal-sector customers and nano-enterprises. Previously, she led engineering for BankBazaar’s website, mobile app and analytics platforms. Her experience also includes technology roles at Google and Microsoft.
Danny Fernandes, Senior Vice President – Technology, Citi India: Danny Fernandes is a technology leader with over 25 years of experience across financial services and enterprise technology. At Citi, he has led technology infrastructure and served as CTO for Citibank India, supporting critical functions including trading and investment banking. His expertise covers infrastructure resilience, AI adoption, high-frequency trading technology, data centres and business continuity. He also brings experience in regulatory compliance and large-scale technology transformation.
Nirav Kamdar, VP & CTO, Payments Tech for Emerging Markets, Amazon Pay India: Nirav Kamdar is a technology leader with extensive experience in payments, software engineering and large-scale technology platforms. At Amazon, he currently leads Payments Technology for Emerging Markets and previously served as Director & CTO of Amazon Pay India. His earlier leadership experience at Microsoft includes engineering roles across products such as Cortana, Bing and Skype for Business. He brings deep expertise in scalable software development and technology leadership.
Ajit Narayanan, CTO, Angel One: Ajit Narayanan is a technology and product leader with extensive experience in AI, fintech, commerce and digital platforms. At Angel One, he leads technology, following senior leadership roles at Reliance Retail, Licious, MFine and Myntra. His work has included AI-powered products, scalable commerce systems, digital payments, machine learning and large engineering organisations. He has also contributed to technology innovation through patents and product development.
Vishwanath Ram, CPTO, ACKO: Vishwanath Ram is a product and technology leader with extensive engineering experience across fintech, consumer internet and digital platforms. At ACKO, he leads product and technology, following leadership roles at Google, Hike Messenger, AOL and Impermium. His experience includes engineering large-scale consumer products, real-time systems, security and machine learning platforms. He has also held senior engineering positions at Yahoo and other technology organisations.
Ish Babbar, Co-Founder and CTO, InsuranceDekho: Ish Babbar is a technology leader with extensive experience in engineering, payments and digital platforms. As Co-Founder and CTO of InsuranceDekho, he leads technology for the insurance platform. Previously, he held engineering leadership roles at Yatra Online and ibibo Web, working across flights, payments, mobile engineering and digital products. His career spans more than two decades of software engineering and technology management.
Sujith Surendran, CTO, Tazapay: Sujith Surendran is an engineering leader with 20+ years of software development experience across fintech, AI, enterprise software and consumer technology. As CTO of Tazapay, he leads technology after serving in senior engineering roles at Cashfree Payments and LinkedIn. His fintech experience includes identity verification, KYC, fraud prevention, payouts, security and real-time infrastructure. He holds an M.S. in Computer Science from Stanford University.
Ketan Zaveri, Chief Technology Officer, Veefin Solutions: Ketan Zaveri is a technology and startup leader with experience across FinTech, LendingTech, GoldTech, Commerce, EdTech, HealthTech and HRTech. He has worked with more than five startups and raised Pre-Series A funding for two ventures. He has scaled companies from the idea stage to 150+ employees and built revenue-generating and profitable businesses. His expertise includes enterprise-level web, mobile and cloud products and translating customer requirements into user-friendly technology solutions.
Prateek Patel, Chief Technology Officer, PayPoint India: Prateek Patel is a fintech technology leader focused on digital payments, UPI, lending and card solutions. As CTO of PayPoint India and Director at Unlock Technologies, he leads technology strategy and the development of secure, high-performance financial platforms. His expertise includes cloud-native architectures, microservices, data analytics, security and PCI-DSS compliance. He also brings extensive experience in enterprise application development, payment processing and business automation.
Venugopal Choudhary, Chief Business Officer & Chief Technology Officer – Credit+, Pine Labs: Venugopal Choudhary is a payments and fintech technology executive with 24+ years of leadership experience across global markets. At Pine Labs, he leads the development of Credit+, a next-generation payment processing platform for acquiring and issuing use cases. He has expertise in payment systems, merchant acquiring, card issuing, prepaid solutions, AI, machine learning and cloud-native platforms. Previously, he founded Qfix Infocomm and successfully led its growth before its acquisition by Pine Labs.
Animesh Sharma, Chief Technology Officer, Indifi: Animesh Sharma brings 21 years of experience in engineering leadership, software development and technical architecture across fintech, e-commerce and B2B technology. At Indifi, he leads technology for a digital lending platform powered by data analytics and AI-driven underwriting. His experience includes building engineering teams, scalable platforms, infrastructure and big data systems. He has previously held engineering leadership roles at Adobe, Snapdeal, Exclusively and WizeCommerce.
Prashanth Nimmagadda, Chief Technology Officer, Setu: Prashanth Nimmagadda is a technology leader with extensive experience in building high-availability systems and engineering teams. As CTO of Setu, he brings prior leadership experience from Razorpay and ClearTax, along with technology experience at LinkedIn and Microsoft. At Microsoft, he worked on high-performance distributed systems supporting large-scale platforms and services. His expertise spans engineering leadership, distributed systems, product development and scalable technology infrastructure.
Lavin Kotian, Co-Founder & CTO, TBX (formerly TransBnk): Lavin Kotian works at the intersection of finance and technology, with experience across financial services, NBFCs and enterprise technology. As Co-Founder & CTO of TBX, he is building open finance infrastructure that enables transaction banking services for lenders, corporates and banks. Previously, he served as Tech Head at Aditya Birla Finance, overseeing technology architecture and business solutions for its lending operations. His experience includes digital collections, NACH, UPI, BBPS, loan origination systems and enterprise transformation.
Kaushik Mukherjee, Chief Technology Officer, super.money: Kaushik Mukherjee is a technology leader specialising in large-scale distributed systems, big data, machine learning, analytics and online product development. At super.money, he is responsible for building scalable and intelligent technology products focused on financial services. His previous leadership roles include Head Software Engineer at udaan and senior engineering positions at Flipkart and Ola. He has extensive experience in search, recommendations, data pipelines, application architecture and large-scale technology platforms.
Srijon Biswas, Chief Technology Officer, PhonePe: Srijon Biswas is a technology leader with extensive experience in financial services, mobile software and large-scale engineering platforms. As CTO of PhonePe, he brings prior experience leading engineering for financial services and the merchant ecosystem. His career includes senior engineering leadership roles at Flipkart, BrowserStack and lastminute.com. His expertise spans technology strategy, product development, cloud infrastructure, mobile applications and scalable transaction systems.
Murali Brahmadesam, CTO & Head of Engineering, Razorpay: Murali Brahmadesam is a technology leader with deep expertise in distributed systems, cloud infrastructure, databases and large-scale engineering. As CTO & Head of Engineering at Razorpay, he led the company’s overall engineering strategy and execution. Previously, he held senior technology leadership roles at AWS, where he worked on Aurora database engines and distributed storage systems. His experience also includes engineering leadership at Amazon and Microsoft across data, storage, search and scalable platforms.
Narendra Babu, Chief Technology Officer, PayU: Narendra Babu is a technology leader with over 20 years of experience in engineering, product development and technology management. At PayU, he leads technology strategy across software development, AI and machine learning, cloud platforms and infrastructure for payments systems. Previously, he held senior engineering leadership roles at Walmart Global Tech, managing large teams and building large-scale e-commerce and supply chain platforms. His expertise includes payments, cloud-scale products, digital commerce and engineering leadership.
Abhishek Mukhopadhyay, Chief Technology Officer, Mswipe: Brings extensive experience in payments technology, EFT, and transaction infrastructure. He has led technology and infrastructure functions across Mswipe, PayNext, and Hitachi Payment Services. His expertise includes ATM and POS terminal certification, bank host integrations, and certification with major card networks. He has also led product delivery, system availability, and production support across payment platforms.
Patanjali Somayaji, Chief Technology Officer, axio: Has extensive experience spanning fintech, consumer finance, software engineering, and product development. At axio, he leads technology for consumer finance, pay-later, and personal finance solutions. He previously co-founded Walnut, which was acquired by Capital Float, and held senior engineering leadership roles at Motorola Mobility and Azingo. His background combines startup building, open-source technology, product engineering, and large-scale platform development.
Bharat Krishnamurthy, Chief Technology Officer, Yubi: Leads technology strategy and engineering at Yubi, where he built BankingOS as a unified lending platform serving banks and fintechs across multiple markets. His expertise spans digital lending, insurance, wealth management, cloud infrastructure, and financial technology. Previously, he led technology across Paytm’s wealth and insurance businesses and served as CTO of Exide Life Insurance. He is also focused on AI-driven development and agentic AI applications for banking.
Elango Ramaraj, Chief Technology Officer, Freo: Leads technology at Freo, with extensive experience across fintech, credit lines, neobanking, and digital financial services. He has progressed through engineering and architecture roles at MoneyTap, including Principal Architect, Engineering Manager, VP of Engineering, and SVP of Engineering. His earlier experience includes leadership roles at Scrunch Technology, Infosys, and Patni Computer Systems. His background combines technical architecture, engineering leadership, and startup technology development.
Sanjib Parida, Chief Technology Officer, iServeU: Co-founded and leads technology at iServeU, focusing on cloud-native payment infrastructure and scalable financial technology. His expertise spans payment switches, gateways, real-time transaction processing, cloud architecture, healthcare technology, and content delivery. He has also founded technology ventures and held engineering leadership roles at Muvi.com and Exelanz. His work includes building scalable platforms and technology solutions across multiple global markets.
Manoj Mathew, Chief Architect (Technology & Product), Trustt: Brings more than two decades of experience in banking technology, lending platforms, and product architecture. At Trustt, he focuses on LOS, LMS, LCS, AI-native banking platforms, and agentic AI solutions. His experience includes technology leadership at Khosla Labs, Novopay, EdgeVerve, Infosys, Oracle, and IBM. He has worked on digital wallets, Video KYC, India Stack solutions, and enterprise-grade financial technology platforms.
Karthikeyan K, Co-Founder & CTO, KreditBee: Co-founded and leads technology at KreditBee, where he oversees technology supporting its digital credit marketplace and lending ecosystem. He also serves as a director at KrazyBee Services Private Limited, an RBI-registered NBFC within the group. His earlier experience spans telecom, M2M, embedded systems, ecommerce, and software engineering. He has led technology teams developing platforms used across multiple countries and millions of users.
Pradeep Kumar, CIO, Lendingkart: Brings more than two decades of experience across technology strategy, IT leadership, business transformation, and financial services. As CIO of Lendingkart, he leads information technology and strategic technology initiatives. His previous leadership roles include CTO at IndoStar Capital Finance, Head of IT at PNB Housing Finance, and Senior Director at Saxo Bank. His career also includes experience in consulting, IT operations, business process transformation, and startup incubation.
Ramki Gaddipati, APAC CEO, Global CTO, and Co-founder, Zeta: Co-founded Zeta and leads its technology and APAC operations, with a focus on building scalable banking technology platforms. His expertise includes distributed systems, product engineering, data infrastructure, and technology strategy. Previously, he held senior engineering roles at Directi and Morgan Stanley and co-founded Bridle Information and Technology Solutions. His experience combines fintech technology, entrepreneurship, large-scale engineering, and product development.
Yogendra Goyal, Chief Technology Officer, Kuhoo Finance: Leads technology at Kuhoo Finance, where he has built and scaled technology for digital lending and student finance. His work includes developing an in-house lending platform, automated decisioning, LOS capabilities, KYC systems, and technology infrastructure. Previously, he led engineering at JioMoney, working across UPI, digital wallets, payment gateways, and payment infrastructure. His career also includes significant technology experience at BillDesk and other software companies.
Ankit Patel, Group Chief Technology Officer and India CEO, AvenuesAI: Ankit Patel is a technology leader with 18+ years of experience across product development, infrastructure, application deployment, databases and network management. He currently leads technology infrastructure and resources across India, the United States and Singapore. His expertise includes booking engines, fares management systems and external connectivity solutions. He brings broad technology and business experience to building scalable technology operations.
Virender Bisht, Cofounder & CTO, Niyo: Virender Bisht is a technology leader with 16 years of experience in building software products across fintech, payments, e-commerce and digital platforms. As Cofounder & CTO at Niyo, he focuses on building technology solutions for smarter spending and saving abroad. His previous leadership roles at MobiKwik and MakeMyTrip include technology development across payments and mobile platforms. He has extensive experience in scalable systems, software architecture and high-performance technology teams.
Deependra Rathore, CTO, Paytm: Deependra Rathore is a technology expert focused on building and managing highly scalable distributed systems and business-critical products. At Paytm, he has led technology for payments and the payment gateway business across multiple senior technology roles. His experience includes technology leadership, system scalability, product development and deployment. He has also held engineering leadership roles at Snapdeal and AGNITY.
Saurabh Dwivedi, CTO, MobiKwik: Saurabh Dwivedi is a technology leader with extensive experience in engineering and technology development across fintech and digital platforms. As CTO at MobiKwik, he leads the company’s technology function after previously serving as Head of Engineering. His 11-year tenure at MakeMyTrip included progressive leadership roles up to Vice President of Engineering. He began his career in technology with American Express and Satyam Computer Services.
Yogesh Lokhande, CTO & Co-Founder, PayGlocal: Yogesh Lokhande is a technology leader focused on building cross-border payments infrastructure at PayGlocal. His expertise spans payments, security architecture, regulatory technology, fraud intelligence, AI, identity and cloud systems. Before co-founding PayGlocal, he spent over eight years at Visa in senior technology and security roles. His experience includes designing large-scale payment systems and security solutions across global commerce.
Anil Sinha, Chief Technology Officer, Fibe: Anil Sinha is a technology executive with experience across fintech, banking, AI and financial technology systems. As CTO of Fibe, he works on enterprise AI platforms, fraud intelligence, agentic onboarding and next-generation lending architecture. His previous leadership experience includes senior technology roles at Deutsche Bank, Barclays Investment Bank and Royal Bank of Scotland. His work combines AI, systems thinking and product innovation to develop scalable financial technology solutions.
Asif CH, CTO & Chief Architect, Riskcovry: Asif CH is a technology leader with close to 20 years of industry experience in scalable backend and mobile application development. At Riskcovry, he leads technology as CTO & Chief Architect for its API-first insurance technology platform serving financial institutions, fintechs and other businesses. His background includes technology leadership at Yahoo!, Cisco Systems and Anite. He also brings experience in product architecture, technology consulting, startup development and team leadership.
Giridharaprasad M P, Chief Technology Officer, Digitap.ai: Giridharaprasad M P is a software architect and technology leader with 19 years of experience across fintech, telecom, embedded systems and mobile technologies. As CTO at Digitap.ai, he works on technology supporting onboarding, risk underwriting and alternative data solutions using AI and ML. Previously, he led risk and data engineering at KreditBee, including digital lending and loan management systems. His expertise spans risk platforms, product architecture, software development and technology delivery.
Dhruva Shree Agrawal, Chief Technology Officer, Oxyzo.in (Oxyzo Financial Services Pvt Ltd): Dhruva Shree Agrawal is a technology leader with 15 years of experience in product development, scalable software systems and technology delivery. As CTO at Oxyzo.in, he leads technology while bringing expertise in strategic planning, architecture, data warehousing and team building. His previous roles include Vice President at OfBusiness and Director of Engineering at Zomato. He has also built technology products and led engineering teams across multiple startups and digital platforms.
Vikas Dhankhar, Chief Technology Officer, NeoGrowth Credit Pvt. Ltd.: Vikas Dhankhar is a technology executive with 20 years of experience in technology strategy, application modernization and large-scale transformation. As CTO at NeoGrowth, he drives technology and innovation for customized financing solutions serving the MSME segment. His expertise spans cloud computing, AI, ML, cybersecurity, regulatory compliance and technology architecture. Previously, he held senior technology leadership roles at Credit Suisse and Bank of America, working across credit risk and financial technology systems.
Dev Pathi, Chief Technology and Product Officer, Credit Saison India: Leads technology, product management, software development, technology operations, governance, IT and cloud operations at Credit Saison India. With over 10 years of fintech experience, he focuses on building scalable technology solutions that support financial inclusion. He has previously led technology at Capital Float and built large engineering teams and lending platforms. His expertise spans technology strategy, product development, architecture and fintech innovation.
Ajit Kumar, Chief Technology Officer, BharatPe: A technology leader with around 20 years of experience building high-scale digital products across fintech, payments and consumer internet. At BharatPe, he leads the company’s technology strategy and engineering functions. Previously, he held senior engineering leadership roles at Paytm and led technology initiatives at Snapdeal and Times Internet. His expertise includes scalable systems, digital payments, architecture and product engineering.
Mukesh Meena, Chief Technology Officer, Moneyview: Brings around 20 years of experience across fintech, digital commerce, technology strategy and engineering leadership. At Moneyview, he leads technology with a focus on scalable platforms, reliable infrastructure and engineering organizations. During his tenure at Paytm, he led engineering across payments, lending technology, UPI, platform infrastructure and other business lines. His expertise includes cloud infrastructure, platform engineering, AI adoption and engineering productivity.
Ashwin Sekar, Chief Product & Technology Officer, InCred: Leads Product, Engineering, IT and Operations at InCred, overseeing a large cross-functional technology and product organization. He has around 20 years of experience developing and managing products in entrepreneurial financial services technology environments. Previously, he developed and scaled lending products including Drafty and Lending Stream in the UK. His expertise combines product strategy, technology execution, lending platforms and customer experience.
Sandeep Kadam, Chief Technology Officer, Kissht: Leads technology strategy and a 300-person technology team at Kissht, supporting its digital lending platform serving millions of users and borrowers. He has over 20 years of experience building large-scale distributed systems across fintech, healthtech and e-commerce. Previously, he served as CTO at Dhani and Alba Bank, where he led digital banking and financial technology platforms. His expertise includes digital lending, AI/ML, cloud architecture, distributed systems and engineering leadership.
Neeraj Singh, Co-Founder & CTO, Groww: Co-founded Groww and leads its technology and product development, with responsibilities spanning customer research, product thinking, roadmap planning, development and deployments. He has been with Groww since 2016, building its technology and digital investment platform. Previously, he worked at Flipkart, contributing to seller marketplace, returns, refunds and hyperlocal delivery initiatives. His experience combines product engineering, technology leadership and consumer internet platforms.
Ameya Agnihotri, Chief Technology Officer, 5paisa: Leads technology at 5paisa, bringing extensive experience across fintech, digital platforms, advertising technology and large-scale data systems. Previously, he served as VP of Technology at Paytm Travel and held senior engineering leadership roles at Uber and Zeotap. His earlier experience includes building real-time bidding, ad-serving and large-scale data processing systems. His expertise spans technology leadership, engineering, data platforms and scalable digital products.
Alok Pandey, Co-Founder & Chief Technology Officer, Raise Financial Services: Co-founded Raise Financial Services and leads its technology and product development functions. He brings more than a decade of experience in product design, development and performance engineering within the BFSI domain. Before Raise Financial Services, he spent over 10 years at Rupeeseed Technology Ventures as Co-Founder & CTO. His experience focuses on building technology-driven financial products and scalable BFSI solutions.
Saurabh Arora, Co-Founder & CTO, Plum Insurance: Co-founded Plum and leads its technology and product initiatives, helping build digital solutions for employee health insurance and benefits. He previously founded Airwoot, an intelligent customer experience platform that was acquired by Freshworks, where he later served as Product Head. His experience also includes product development, automation, natural language processing and machine learning. He combines technology leadership with experience in building and scaling digital products.
Rohit K., Chief Technology Officer, ScoreMe Solutions: Leads technology at ScoreMe Solutions, focusing on AI-native financial technology, credit intelligence and lending infrastructure for banks and NBFCs. He has built financial LLMs, multi-agent systems, AI-driven lending workflows and sovereign AI solutions for regulated environments. Previously, he led deeptech and defense technology initiatives involving AI, secure communications and autonomous systems. His expertise spans financial AI, lending technology, cybersecurity, cloud infrastructure and enterprise technology.
Prashant Padmanabhan, Chief Technology Officer, Mintifi: A technology leader with 18 years of experience across SaaS, eCommerce, eProcurement, data, and FinTech. At Mintifi, he leads technology strategy and innovation while driving platform scalability for high-volume transactions. His experience includes cloud-native architecture, cybersecurity, payments, and enterprise technology. He has also led engineering and technology teams across Infibeam Avenues, SMARTe, Zycus, and other technology organizations.
Nadir Mistry, Senior VP | Head of Technology, CASHe: A technology and product leader with extensive experience building and scaling engineering teams and digital platforms. At CASHe, he leads technology initiatives across the company’s fintech ecosystem. Previously, he spent over 13 years at BookMyShow, progressing to GM and Head of Engineering. His background combines technology leadership, product development, and entrepreneurial experience.
Srikanta Khatei, Chief Technology Officer, lendingplate: An IT leader, architect, and strategist with over 18 years of experience across finance and product-focused organizations. At lendingplate, he leads technology initiatives supporting digital lending and financial services platforms. His expertise includes loan origination systems, microservices architecture, cloud technologies, and enterprise software. He has previously held senior technology roles at Escrowpay, SMC Finance, Home Credit India, and Newgen Software.
Nitin Basant, Chief Technology Officer, slice: A data science and technology leader with over 13 years of experience across financial services, insurance, telecom, retail, and manufacturing. At slice, he leads technology after previously serving as Chief Data and Analytics Officer. His expertise spans data science, analytics, fraud detection, and AI-driven solutions. He has also co-authored multiple patents focused on advanced analytics and fraud detection methodologies.
Mradul Bahety, Chief Technology Officer, Getepay: A technology professional with extensive experience in project management and technology delivery. As CTO at Getepay, he leads technology initiatives for the fintech and payments platform. He has held the role since 2020, bringing long-term experience in technology project management. His earlier career includes more than 15 years with Synergy Technology Services.
Amit Kumar, CTO & Co-Founder, Easebuzz: A technology and fintech leader with over 15 years of experience in data engineering, data science, and scalable architecture. As CTO and Co-Founder of Easebuzz, he leads product, engineering, and innovation for its payment solutions. His expertise includes large-scale data systems, machine learning, analytics, and scalable infrastructure. He has previously worked with Ericsson and TCS and completed executive programs at IIM Calcutta and BITS Pilani.
Amar Prabhu, Co-founder & CTO, Rupeek: A technology leader with extensive experience in engineering, product development, and startup technology. At Rupeek, he has been part of the engineering function since 2015, contributing to the company’s technology development and scale. He has also co-founded Classmint and worked on products spanning education, software, and technology solutions. His background includes experience in software engineering, architecture, and building technology products from the ground up.
Samir Sahu, Chief Technology Officer, TapFin: A technology executive with over 15 years of experience across digital lending, analytics, enterprise technology, and fintech. At TapFin, he leads technology strategy across lending, data, analytics, and infrastructure platforms. His expertise includes digital lending platforms, cloud systems, risk analytics, security, and technology governance. He has previously led technology functions at ARTH and worked across enterprise technology organizations in India and Europe.
Kailash Nadh, CTO, Zerodha: A technology leader and software developer who has headed technology at Zerodha since 2013. He has played a key role in building the company’s technology and product stack for the capital markets. His background includes more than a decade of consulting and software development across finance, banking, e-commerce, telecom, research, and government projects. He also co-founded initiatives supporting open-source technology, digital archives, and community-driven projects.
Manish Mishra, CTO & Co-Founder, Pazcare: A technology leader and entrepreneur focused on building digital platforms for employee insurance, healthcare, and financial benefits. As CTO and Co-Founder of Pazcare, he leads technology initiatives aimed at making insurance and benefits administration more digital and seamless. Before Pazcare, he held senior engineering and architecture roles at ClearTax and MindTickle. His earlier experience also includes software engineering roles at Disney Interactive Media Group and Amazon.
Nikunj Agarwal, CTO, Chqbook: Technology leader with extensive experience across fintech, financial services, cybersecurity, and software engineering. As CTO at Chqbook, he leads technology initiatives for the fintech platform. Previously, he served as Vice President of Engineering at Uolo.com and Co-Founder, Director and CTO at Gameadu. He began his career at Oracle and holds a B.Tech in Computer Science from IIT Guwahati.
Nikunj Panchal, Head of Engineering, BillDesk: Engineering leader with over 15 years of experience building scalable fintech products, data platforms, and infrastructure. At BillDesk, he leads a 40+ member cross-functional team and works on high-scale, compliance-focused financial technology systems. His expertise includes Java, Spring Boot, Apache Kafka, Aerospike, and Oracle databases. Previously, he worked with Interactive Brokers, JPMorgan Chase, and Infosys.
Ankit Gupta, CTO, PolicyBazaar for Business, PB Fintech Ltd: Technology and product leader with 17+ years of experience across InsurTech, banking, fintech, and BFSI. He specializes in enterprise architecture, AI-native products, Generative AI, LLMs, AI agents, and digital payments. At PB Fintech, he has led large-scale technology and product initiatives involving UPI, conversational AI, automation, and enterprise platforms. He has also led cross-functional teams of 100+ technology and product professionals.
Shalabh Aggarwal, Chief Technology Officer, Spice Money: Technology leader with 15+ years of experience across fintech, B2B SaaS, lending, and enterprise technology. At Spice Money, he focuses on technology leadership, while his previous role as CTO at Credflow involved building digital lending infrastructure and AI-powered solutions. He has also held technology leadership roles at SAVii and BharatPe, working across lending, credit scoring, cloud infrastructure, and microservices. He is also an author and open-source contributor.
Rahul Singh, Chief Technology Officer, Pay10: Technology leader with 25+ years of experience across fintech, payments, banking, and digital transformation. At Pay10, he focuses on architecture, solution design, troubleshooting, and building secure and scalable payment platforms. His expertise spans payment processing, mobile banking, microservices, AI, fraud prevention, AML, and system integration. Previously, he held technology and project leadership roles at 1Pay, Appsperts Mobile Technologies, and Atom Technologies.
Kausal Malladi, CTO – Investments, INDmoney: Engineering and technology leader with 14+ years of experience in software architecture, application development, and large-scale platforms. At INDmoney, he leads technology for investment products and has been involved in building and scaling INDstocks, US stocks infrastructure, and high-performance trading systems. His experience includes leadership roles at Goibibo and MakeMyTrip, along with early engineering experience at Intel and Infosys. He holds an M.Tech in Computer Science from IIIT Bangalore.
Somit Srivastava, Chief Technology and Product Officer, Wealthy: Technology and product leader with 15 years of experience in technology consulting, solution architecture, and scalable platform development. At Wealthy, he has progressed through CTO and now Chief Technology and Product Officer roles, leading technology and product initiatives. His background includes building cloud platforms, SaaS applications, APIs, data systems, and scalable web applications. He has previously worked with Ola, HashedIn, and IBM Global Business Services.
Mukul S., Chief Technology & Product Officer, SarvaGram: Technology and product leader with over 15 years of experience building scalable platforms, products, and engineering teams. At SarvaGram, he leads the technology and product charter for a fintech platform focused on rural India’s credit and financial needs. Previously, he led engineering at BillDesk and founded Boltic within Fynd, while also building large-scale catalog and data platforms. His expertise spans distributed systems, data platforms, product engineering, and technology strategy.
Abhishek Gupta, Chief Technology Officer, Stashfin: Technology leader with 14+ years of experience across fintech, consumer technology, gaming, and online travel. At Stashfin, he leads technology initiatives focused on building secure and scalable fintech platforms. Previously, he served as Vice President at Zupee and CTO and Chief Architect at Creditas Solutions, where he worked on digital collections and financial technology platforms. His earlier leadership experience at Goibibo includes technology, content, search, recommendation, and SEO platforms.
Ajeesh Achuthan, Co-Founder & CTO, Open Financial Technologies: Entrepreneur and technology leader with deep experience in payments, fintech, and product development. As Co-Founder and CTO of Open Financial Technologies, he is focused on building technology for SME banking and financial services. Previously, he co-founded Zwitch Payments and developed developer-focused payment APIs and tokenisation-based payment solutions. He has also held engineering leadership roles at PayU and Citrus Payment Solutions.
Ashish Pawar, Chief Product and Technology Officer, FlexiLoans: Product and technology leader with extensive experience in fintech, particularly in financial products designed for Indian MSMEs. At FlexiLoans, he leads product and technology initiatives focused on lending and financial inclusion. His expertise covers product development, technology strategy, AI, machine learning, blockchain, and scalable lending solutions. He has progressed through multiple product and technology leadership roles at FlexiLoans and previously worked with Loylty Rewardz, AppSmyth, and Inscripts.
Krishanu Ray, Chief Technology Officer, Clix Capital: A technology and business leader with expertise in core lending systems, digital lending, AI-enabled automation, and digital transformation. He has extensive experience in IT delivery, governance, compliance, information security, and lending architecture. His career includes leadership roles at Clix Capital, IndoStar Home Finance, Edelweiss Housing Finance, Magma Fincorp, PwC, and HDFC Bank. He focuses on building scalable technology infrastructure and enabling technology-driven business growth in financial services.
Dipesh Karki, Founder & CTO, LenDenClub: A fintech technology leader focused on inclusive lending, scalable technology solutions, and financial infrastructure for underserved markets. As Co-founder and CTO of LenDenClub, he has worked on combining technology with lending to improve access to financial products. His experience spans product development, software engineering, product management, and building technology platforms. He also brings earlier experience in software development and technology solutions across industrial and government projects.
Sathish S, Chief Technology Officer, Paysharp: A technology leader responsible for end-to-end IT engineering at Paysharp, with a focus on connecting finance and technology. He has led the company’s technology function since 2019 and has experience in software development, application deployment, APIs, mobile applications, and full-stack development. Earlier, he served as CTO at ServiceTree, where he worked closely with the leadership team on product development and IT operations. His expertise combines fintech technology delivery with hands-on engineering experience.
Nitin Verma, Co-Founder & CTO, Xtracap Fintech India Pvt Ltd: A technology professional with 14+ years of experience across software engineering, product development, and financial technology. As Co-Founder and CTO of Xtracap Fintech, he works on technology solutions for cash-flow-based lending linked to GSTN data for MSMEs and SMEs. His technical expertise includes Java, Spring, Spring Boot, NodeJS, AngularJS, web services, and application development. He has previously worked with iBoss Tech Solutions and Accenture on financial services, insurance, and enterprise technology projects.
Aashish Katta, Head of Engineering & CTO, SalarySe: A technology leader with experience building engineering teams and financial technology products. At SalarySe, he worked on a credit-on-UPI platform for salaried employees, following his engineering experience at Jupiter, where he contributed to a mobile-first banking experience. His earlier career includes engineering roles at Bidgely, Boomerang Commerce, and Tradus, covering scalable systems, analytics platforms, pricing engines, and e-commerce technology. He holds a BTech in Electrical Engineering from IIT Roorkee.
Amit Jambotkar, Senior Director of Engineering, Navi: An engineering leader with experience building scalable software systems and technology teams from the ground up. At Navi, he leads engineering initiatives, bringing expertise in distributed systems, concurrency control, scalable architecture, and team development. His previous roles at MoneyTap, Ninjacart, udaan.com, and Ezetap involved financial technology, payments, lending, and large-scale technology platforms. He has also worked extensively on software engineering and enterprise application development.
Gaurav Singh, Head of Engineering, PowerUp Money: A technology professional focused on engineering, software development, and building reliable technology solutions. At PowerUp Money, he leads engineering while contributing to the company’s mission of making mutual fund investing more accessible. His earlier experience includes engineering leadership at Groww and software development roles at noon, Expedia Group, Amadeus Labs, and TCS. His career spans financial technology, consumer platforms, travel technology, and large-scale software development.
Madanlal Arora, Chief Technology Officer, Fundly.ai: A technology leader with extensive experience in engineering, product development, and lending technology. As CTO at Fundly.ai, he leads the technology function after spending over seven years at FlexiLoans across engineering leadership roles. His experience includes loan origination systems, product engineering, team leadership, budgeting, and full-stack development. He has also worked across software engineering and mobile application development roles at Hopscotch, DoorMint, AppSmyth, Volition Labs, and Inscripts.
Pankaj Pratap Singh, Co-Founder & CTO, Blostem: A technology leader with experience across fintech platforms, payments, lending solutions, and enterprise technology architecture. As Co-Founder and CTO of Blostem, he leads the company’s technology initiatives and product development. His earlier experience includes working as a Solutions Architect at Spenda, which provides B2B payment and lending solutions, along with technical architecture roles at MintWorxs and Teknomatics. He began his career in software engineering and system development with Indus Valley Partners and TCS.
Abhra Dasgupta, Chief Technology Officer, Uni Cards: Leads technology at Uni Cards with extensive experience in payments, fraud management, digital security and scalable platforms. Previously worked at Ola, where he led Global Customer Payments and contributed to PCI certification and payment infrastructure. His expertise includes payment gateways, tokenization, risk detection and distributed systems. He has also built high-performance platforms and data infrastructure for large-scale digital applications.
Mohit Gupta, Co-Founder & CTO, BimaPe: Technology leader with experience across fintech, application development, agile teams and full-stack engineering. At BimaPe, he contributes to technology and business strategy, including digital and go-to-market initiatives. Previously, he worked with Make A Difference, SAP and Deloitte, gaining experience in technology leadership and software development. His strengths include team management, conflict resolution and platform-native technology development.
Anand Agrawal, Co-Founder & CPTO, Credgenics: Product and technology leader focused on building fintech products and solving complex technology challenges. At Credgenics, he has helped build a SaaS-based NPA resolution platform serving banks, NBFCs and digital lending firms. His expertise spans product development, automation, data science and machine learning. Previously, he worked as a Senior Data Scientist at 1mg, developing recommendation, personalization and NLP-based solutions.
Nirbhay Gupta, Chief Technology Officer, Junio: Leads the technology function at Junio, overseeing platform architecture, security and compliance across UPI, PPI wallets, KYC and identity systems. His work focuses on building payments infrastructure aligned with RBI, PMLA, PCI DSS and ISO 27001 requirements. Previously, he led engineering and technology at Junio and Progcap, working on supply chain digitization and credit management systems. His expertise includes distributed systems, automation, data privacy and fintech infrastructure.
Kaushal Singh, VP Engineering, Jar: Technology leader with over a decade of experience in engineering leadership and scalable software architecture. At Jar, he leads engineering for a platform focused on helping users develop everyday saving habits. Previously, he held technology leadership roles including CTO at Zostel and ZO Rooms and Co-Founder & CTO at Glip. His experience covers technical leadership, system architecture, product road mapping and startup development.
Ankur Pandey, CTO & Co-Founder, Signzy: Co-founded Signzy and has been involved in building its digital trust technology platform since 2015. His work focuses on developing technology solutions for digital trust and financial services. He previously co-founded Quesky.com, gaining early entrepreneurial and technology-building experience. An IIT Kharagpur graduate, he brings a strong foundation in industrial systems engineering, programming and technology development.
Shobhit Verma, CTO and CISO, Decentro: Technology and security leader with 12+ years of startup technology experience across engineering, cloud infrastructure and compliance. At Decentro, he has led engineering teams, infrastructure operations and security initiatives involving ISO 27001, CICRA and RBI compliance. He has also worked on improving product development timelines and building scalable cloud platforms. His expertise spans platform engineering, infrastructure management, security and fintech compliance.
Yash Gupta, Co-Founder, CTO, Nova Benefits: Technology and entrepreneurship leader who co-founded Nova Benefits, a tech-first insurance broker focused on commercial and employee benefits insurance. He has built and led the company’s product, engineering and design functions, along with finance and compliance operations during its growth. His work combines insurance technology, AI infrastructure and product development. He is also involved in building private AI infrastructure and open-source AI solutions for enterprise use cases.
Shivam Parashar, Co-Founder & Chief Technology Officer, PensionBox: Co-founded PensionBox, a digital pension platform focused on helping users plan, save, invest and track retirement savings. He brings over eight years of web development experience, including expertise in React, Next.js and Node development. Before PensionBox, he worked as a Senior Software Engineer at Brillio and held software engineering and quality assurance roles at Xelpmoc. His experience combines product development, frontend engineering and fintech technology.
Aisik Paul, Chief Technology Officer, Data Sutram: Co-founded Data Sutram, a Location Intelligence company focused on using external data to address financial and business challenges. As CTO, he contributes across technology development, product design and organizational processes. He has helped build the company’s core product suite while working across development, design and people management. His background also includes experience as a Data Science Consultant at Xelpmoc Design & Tech.
Conclusion
India’s fintech story is being shaped not only by innovative products and expanding digital adoption, but also by the technology leadership behind them. As financial services become increasingly digital, the ability to build secure, scalable, intelligent, and adaptable technology infrastructure will remain central to the sector’s continued evolution.
The leaders featured in The CTO 100 – Fintech Edition: India’s 100 Tech Leaders Shaping the Future of Fintech represent diverse approaches to technology leadership across payments, lending, insurance, wealth management, financial infrastructure, and other areas of fintech. Through engineering excellence, digital transformation, AI, automation, data, security, and technology strategy, they are contributing to the development of a more connected and technology-driven financial ecosystem.
As India’s fintech sector enters its next phase of growth, these technology leaders will continue to play an important role in translating emerging technologies into practical solutions and building the digital foundations that can support the future of finance.
– Researched and Edited By Shivani Solanki
Disclaimer
This editorial, “The CTO 100 – Fintech Edition: India’s 100 Tech Leaders Shaping the Future of Fintech,” has been curated through independent research, industry analysis, and publicly available information sourced from company websites, professional profiles, media publications, interviews, corporate disclosures, and other credible public resources available at the time of compilation. The individuals featured represent a diverse cross-section of technology leaders contributing to India’s fintech ecosystem across payments, digital lending, banking technology, insurance technology, wealth management, financial infrastructure, risk management, data, artificial intelligence, cybersecurity, and other financial technology domains. This editorial is not intended to serve as an exhaustive or definitive list of all technology leaders working within India’s fintech ecosystem.
The selection process follows a structured editorial methodology, with primary emphasis placed on each individual’s demonstrated experience in technology leadership, fintech platforms, digital financial services, engineering, product development, technology infrastructure, and related areas. While the primary focus is on professionals holding Chief Technology Officer (CTO) roles, exceptional consideration has also been given to individuals holding designations such as Chief Information Officer (CIO), Chief Product and Technology Officer (CPTO), Head of Engineering, Chief Architect, and other senior technology leadership positions, where their responsibilities involve overseeing significant technology functions within the organisation and their professional background includes relevant CTO or comparable technology leadership experience. Inclusion is therefore based on the relevance of an individual’s technology leadership responsibilities, experience, and contribution to the fintech ecosystem rather than designation alone.
The profiles in this editorial are not presented as a ranking. The sequence of appearance does not represent comparative standing, influence, performance, organisational hierarchy, or any other form of ranking among the featured leaders. For editorial and presentation purposes, the profiles have been arranged according to professional experience based on the information available at the time of compilation. The order should not be interpreted as an assessment of the relative importance, effectiveness, achievements, or impact of any individual.
All information presented has been compiled from publicly available sources believed to be reliable. However, professional designations, organisational responsibilities, affiliations, career experience, and other details may change over time, particularly within the rapidly evolving fintech and technology sectors. While reasonable efforts have been made to verify the information and maintain accuracy, there may be inadvertent errors, omissions, or changes that occur after publication.
The inclusion of any individual, company, or organisation in this editorial is intended solely for recognition and informational purposes. It should not be construed as an endorsement, recommendation, investment advice, professional certification, or validation of any individual’s performance, technology, business strategy, organisation, product, or future outcomes.
We remain committed to maintaining fairness, transparency, and editorial integrity throughout our recognition initiatives. If any corrections, updates, or clarifications are required, we welcome constructive feedback and may consider appropriate revisions in future editions.
