Meet the team.

Founder and CEO

"The operator who has scaled ₹12,000 Cr of Bharat credit."

13+ years in lending, managing a ₹12,000+ Cr loan book across fintechs and NBFCs, with deep expertise in underwriting, credit risk, collections, and end-to-end operations. Proven track record of scaling businesses 0→100 while maintaining strong portfolio quality, across Navi, Chaitanya, Refyne, and IIFL Samasta. Holds an Executive Programme in Data Science from IIM Lucknow and an MBA from NMIMS Mumbai.

CFO — ONDC · Advisor — Finarva

"Marketplace-scale capital thinking for Bharat rails."

A finance and fintech leader with experience across venture investing, digital commerce, and ecosystem-scale initiatives. Brings strategic capital and marketplace thinking to Finarva's growth roadmap.

Head of Payouts — Cashfree · Advisor — Finarva

"Turning product intuition into financial decisioning at scale."

A fintech operator and ex-VP for Product at Refyne, with a strong foundation from IIT Kharagpur and experience building and scaling financial products in India. Brings expertise across product thinking, financial decisioning, and operational strategy, with a focus on leveraging data and technology to drive efficient, scalable fintech solutions.

Director – Operations & Business, Founding Team

"Grassroots operations expertise for rural Bharat."

Murthy brings hands-on experience across rural India, managing high-intensity operations and tech-driven finance at Chaitanya and Navi. His expertise spans Joint Liability Group (JLG), housing, and vehicle loans. Driven by grassroots impact, he also founded the NGO Pravank, focused on empowering rural women. A Commerce graduate from National College, Tumkur, Murthy combines deep understanding of rural consumer behaviour and the rural economy to drive Finarva's business forward.