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Build Boldly
Empowering the Next Wave of FinTech Innovation in Odisha. BharatNetra is more than an initiative; it is the global launchpad for financial technology building from Bharat, initiated by the Government of Odisha in partnership with GFTN. From the FinTech Centre of Excellence (CoE) in Bhubaneswar, we provide the infrastructure, mentorship, and global network required to transform local ideas into world-class solutions.
The FinTech Centre of Excellence
The Centre of Excellence (CoE) at the Odisha Technology Centre in Bhubaneswar is the heart of the BharatNetra Innovation Hub. Dedicated to driving digital transformation, the CoE provides a high-velocity environment where FinTech and InsurTech ventures receive structured incubation, mentorship, and a direct pathway to market readiness and global access.
Cohort 1 Mentors
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Jose Thattil
CEO & Co Founder
PhiCommerce
Jose Thattil is the Co-Founder and CEO of Phi Commerce Private Limited, a leading payments technology company building scalable and secure digital payment infrastructure for enterprises and financial institutions. With a deep-rooted expertise in the payments and FinTech ecosystem, Jose has been instrumental in shaping Phi Commerce's vision of simplifying and transforming the payments landscape in India. His entrepreneurial journey reflects a strong command of product innovation, enterprise solutions, and the evolving dynamics of digital finance, making him a sought-after voice in the FinTech community.
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Abhisek Ghosh
Startup and GIGA Banking
HDFC Bank
Abhisek Ghosh is a banking professional at HDFC Bank, one of India's largest private sector banks, where he focuses on the Startup and GIGA Banking verticals. In this role, he works at the intersection of institutional banking and innovation, supporting early and growth-stage startups with tailored financial products and services, while also driving HDFC Bank's GIGA programme, India's first banking programme designed specifically for gig workers and freelancers. With deep expertise in building banking solutions for emerging business models, Abhisek brings a strong understanding of the financial needs of founders starting from credit and payments to regulatory compliance and cross-border transactions, making him a valuable voice for startups navigating the evolving financial services landscape in India.
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Deepak Sharma
Ex-President & Chief Digital Officer at Kotak Mahindra Bank
Kotak Mahindra Bank
Deepak Sharma is the Founder of Venture Studios and a seasoned Board Advisor specializing in Digital Transformation and Fintech. Formerly the Chief Digital Officer at Kotak Mahindra Bank, he led the bank’s digital-first journey, including the launch of Kotak 811. Today, he serves as an Independent Director at Experian India and Suryoday Small Finance Bank, while advising PE funds on DeepTech and SaaS investments. Deepak is a global ecosystem builder committed to scaling ventures that combine innovation with sustainable impact.
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Dr. Damodar Sahu
Co-Founder
Data Safeguard
Dr. Damodar Sahu is the Co-Founder and Chief Growth Officer at Data Safeguard Inc., a World’s leading AI-powered Data Privacy Management and Synthetic Fraud Prevention. He leads the company’s global growth strategy, driving initiatives in marketing, alliances, partner ecosystems, investor relations, and analyst engagement—all while aligning with evolving market and customer needs. With over 28 years of industry experience, Dr. Sahu was a tenured Wipro leader for 11+ years, contributing to various strategic roles across India and the USA. He was also a founding member of Wipro’s in-house startups, fostering innovation and ecosystem collaborations. An award-winning thought leader, Dr. Sahu is known for his ability to build and nurture strategic alliances, working with cross-functional teams and industry leaders to create meaningful, value-driven partnerships. Education & Honors: BSc (IT) | MCA | PGDBM (Amity) | MDP (IIM Calcutta & Harvard) Dual PhDs (CS & IT) | Hon. PhD (World Peace & Philanthropy) D.Litt. (USA) – Social Services & IT Industry Contributions & Recognitions: Startup Mentor – Startup India, and Startup Odisha; Founder & Philanthropist - MuliaSmarak; Executive Advisor – NamRiitz LLC; World Peace Ambassador – India (World Peace Tracts); Ranked #1 Global Social Seller at Wipro (by LinkedIn); Thinkers360 Thought Leader; Bhartiya Seva Ratna Awardee; Odia Asmita Samman (Odia Pride Honor). Beyond Business: A Commitment to Giving Back: Dr. Sahu is a passionate philanthropist, actively supporting education initiatives for underprivileged students in his hometown in Odisha, India. Learn more: https://www.linkedin.com/in/damodarsahu/
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Ganesh Rengaswamy
Co-founder and Managing Partner
Quona Capital
Ganesh Rengaswamy is a Co-founder and Managing Partner at Quona Capital, a leading venture firm focused on financial inclusion in emerging markets. A seasoned investor and former entrepreneur, Ganesh previously held leadership roles at Lok Capital and Greylock Partners, and co-founded Travelguru. With an academic foundation from IIM-Ahmedabad and Harvard Business School, he is a recognized expert in scaling fintech platforms that drive both commercial success and meaningful social impact across India and Southeast Asia.
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Hitesh Sachdev
Head- Start-up Engagement, Innovation & Investments
ICICI Bank
Hitesh Sachdev is an experienced leader in the financial services and fintech ecosystem, currently serving as the Head of Startup Engagement, Investments, and Corporate Innovation at ICICI Bank. With over two decades of experience, he has played a pivotal role in driving digital transformation and fostering innovation through strategic partnerships and equity investments in emerging technology startups. His expertise spans across venture capital, corporate strategy, and the development of scalable fintech solutions, making him a prominent figure in bridging the gap between traditional banking institutions and the evolving startup landscape.
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Hrushikesh Mehta
SVP-Financial Services
ONDC
Hrushikesh Mehta is a digital infrastructure and finance leader, currently driving the Financial Services initiative at ONDC. A former Vice President at TransUnion CIBIL, he has spent 20+ years at the intersection of credit, technology, and digital commerce, focusing on building open networks that drive financial inclusion and market efficiency at scale.
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Joseph Sebastian
Vice President
Blume Ventures
Joseph Sebastian is the Vice President of Investments at Blume Ventures, where he specializes in the logistics, fintech, and healthtech sectors. A seasoned financial professional and former entrepreneur, Joseph previously co-founded Valustat, an investment technology firm, and spent five years as a corporate banker at Citibank managing foreign exchange product sales. Before joining Blume, he also gained significant experience as an impact investor at Omidyar Network India. Joseph holds an MBA in finance and strategy from the Indian School of Business (ISB) and a bachelor's degree in economics from St. Xavier's College, Mumbai, combining deep domain expertise in financial services with a strong track record in identifying and supporting high-growth Indian startups.
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Kartik Poddar
Chief Business Officer
Symbo
Kartik Poddar is the Chief Business Officer at Symbo, a leading InsurTech platform specialising in embedded insurance. With over four years in this role, Kartik has been at the forefront of transforming how insurance is distributed in India, enabling businesses to seamlessly offer relevant coverage to their customers right at the point of purchase. His work sits at the cutting edge of embedded finance, helping brands across sectors integrate insurance into their customer journeys in a way that is frictionless, contextual, and value-driven. With deep expertise in business strategy, partnerships, and the evolving InsurTech landscape, Kartik brings a highly practical and forward-looking perspective on how startups can leverage embedded insurance as a growth lever.
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Kulin Shah
Co-founder
Onsurity
An accomplished business leader with 18+ years of experience, Kulin Shah specializes in P&L management, category growth, and venture capital. A former B2C founder turned angel investor, they have a proven track record of launching transformative products and leading high-stakes C-level engagements. With expertise ranging from product management to M&A, Kulin Shah is dedicated to scaling high-potential businesses through strategic partnerships and operational excellence.
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Lizzie Chapman
Co-Founder
ZestMoney
Lizzie Chapman is a pioneering fintech entrepreneur and the Co-Founder of ZestMoney, India’s largest AI-driven "Buy Now, Pay Later" platform, where she served as CEO and led the company to serve millions of customers. With over 20 years of experience in financial services across London and Mumbai, she is a leading advocate for digital lending and financial inclusion. Before founding ZestMoney, Lizzie spearheaded the India operations for the UK-based digital lender Wonga and served as an investment professional at Goldman Sachs and The Wellcome Trust. A frequent speaker at global forums like the World Economic Forum and the Singapore Fintech Festival, she is recognized as one of the most influential women in global fintech and currently mentors numerous early-stage founders within the Indian and Southeast Asian ecosystems.
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Manish Lunia
Co-Founder
FlexiLoan
Manish Lunia is the Co-Founder of FlexiLoans, one of India's leading digital lending platforms focused on providing quick and flexible credit to MSMEs and small businesses. An alumnus of the Indian School of Business (ISB) and a qualified Chartered Accountant, he brings extensive expertise in financial services, risk management, and strategic growth. Before co-founding FlexiLoans, Manish held leadership roles at Fractal Analytics and large corporate houses like Aditya Birla Group, where he specialized in business development and investment strategy. He is a recognized thought leader in the fintech space, frequently contributing to discussions on financial inclusion, automated credit assessment, and leveraging data science to streamline the lending process for underserved entrepreneurs.
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Melissa Frakman
CEO & Founding Partner
Emphasis Ventures (EMVC)
Melissa Frakman is a prominent venture capitalist, business strategist, and futurist specializing in the intersection of digital infrastructure, financial services, and AI-enabled commerce, particularly within the Indian and global emerging markets. As the CEO and Founding Partner of Emphasis Ventures (EMVC), she leads an early-stage fund that invests in breakthrough fintech and insurtech startups, managing a portfolio that serves over 200 million individuals and small businesses. With over two decades of experience in India, she has built partnerships and led investments worth over $1 billion for major Fortune 500 companies and has served as a strategic advisor to market leaders like Amazon, Uber, and Remitly. Her executive background includes key roles such as Vice President of Operations at Zomato prior to its IPO, Senior Director at Albright Stonebridge Group, and Financial Services Director for the US-India Business Council. Recognized as the "Global Fintech Person of the Year 2024," Frakman is also an award-winning speaker and guest lecturer at prestigious institutions, including Harvard Business School, Cornell University, and the Indian Institute of Management.
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Monica Jasuja
Chief Expansion and Innovation Officer
Emerging Payments Association Asia
Monica Jasuja is a seasoned global product management expert specialising in fintech and payments, with over 24 years of experience across four continents in the consumer, internet, and digital financial services. She excels in strategizing, defining, and deploying commercially viable solutions that transform payment landscapes. Monica Jasuja is Chief Expansion and Innovation Officer at the Emerging Payments Association Asia (EPAA), she leads transformative payment initiatives and ecosystem development across Asia. Her strategic vision has powered multinational giants including PayPal, Mastercard, and Gojek across US, India, Southeast Asia, and Taiwan. Her work consistently demonstrates a deep understanding of emerging market dynamics and a commitment to developing solutions that address complex financial challenges. Her expertise spans fintech, payments, product and strategic partnerships, with particular focus on India, Indonesia, and global markets. Her extensive experience, combined with her insightful analyses, regularly contributing insights on payment innovation, digital transformation, and financial inclusion and effective communication, has established her as a recognized authority in the fintech sector. Monica's thought leadership has earned global recognition, including rankings as one of Favikon's Top 5. Most Influential Fintech Voices on LinkedIn, NORBR's Top 10 Payment Leaders, Thinkers360's. Top 50 B2B Leaders in APAC, and Onalytica's Top 15 Global Fintech Thought Leaders. As an industry catalyst, Monica actively mentors startups and women technology leaders, sharing her expertise in product development, market expansion, and strategic growth. Monica holds a Master's in Computer Science from the University of Illinois at Urbana-Champaign, a Mathematics degree from Lady Shri Ram College for Women, New Delhi, and an Independent Director Certification from the Indian Institute of Corporate Affairs (IICA). Her combination of technical expertise, strategic vision, and industry insight continues to shape the future of digital payments and financial services.
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Monindro Saha
Principal Consultant
Infosys
Monindro Saha is a Principal Consultant at Infosys, where he leads complex, high-impact engagements for global banks and financial institutions across payments, corporate banking, blockchain, and lending. With deep expertise in end-to-end solution design and implementation, Monindro is currently driving the development of a next-generation payments platform for a leading African client, with the ambition of establishing it as one of the region's top digital payment platforms. He is also spearheading a large-scale payments transformation programme for a global bank, integrating Finacle solutions with regional compliance requirements. Beyond delivery, Monindro plays a pivotal role in business development leading multi-million-dollar engagements from proposal strategy and RFI/RFP leadership to commercial structuring, contributing significantly to revenue growth and deal conversion. A thought leader in next-generation banking, he collaborates closely with product innovation teams to advance Finacle's capabilities in real-time payments, blockchain integrations, and API-driven banking enabling faster, more efficient delivery for clients worldwide.
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Navin Surya
Co-Founder & Strategic Venture Partner
Beams FinTech fund
Naveen Surya is a fintech veteran and the founder of ItzCash, India’s first non-bank digital wallet. A key architect of the Indian payments ecosystem, he is the Chairman Emeritus of the Payments Council of India (PCI) and Co-founder of Fintech Convergens. With over two decades of experience, Naveen is a prominent investor, policy influencer, and mentor dedicated to driving the next wave of financial innovation and inclusion in India.
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Ninad Karpe
Partner
100X.VC
Ninad Karpe is a seasoned business leader and venture capitalist currently serving as a Founder & Partner at 100X.VC, India’s first venture capital fund to invest in early-stage startups using iSAFE notes. With a distinguished career spanning over three decades, he previously served as the Managing Director & CEO of Aptech Ltd, where he led the company's global transition into a premier retail training and education brand across more than 40 countries. Before his tenure at Aptech, Ninad was the Managing Director of CA Technologies India, overseeing the enterprise software giant's operations in the region. An author and a prominent voice in the Indian startup ecosystem, he is a former Chairman of the Confederation of Indian Industry (CII) Western Region and currently sits on the boards of several high-growth companies, leveraging his deep expertise in scaling businesses, corporate governance, and technology-led transformation.
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Nitin Chugh
Managing Director and Group CEO
Perfios Group
Nitin Chugh is a distinguished banking and digital transformation leader, best known for his tenure as Former Deputy Managing Director and Head of Digital Banking and Transformation at State Bank of India (SBI) one of the world's largest public sector banks. In this role, Nitin spearheaded SBI's digital evolution, driving large-scale transformation initiatives that reshaped how millions of customers interact with banking services across India. With deep expertise at the intersection of traditional banking and digital innovation, he brings a rare and invaluable perspective on navigating the complexities of modernising financial institutions at scale. His leadership experience makes him a highly sought-after voice on topics spanning digital banking strategy, FinTech collaboration, and the future of financial services in India.
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Pratekk Agarwaal
Founder & General Partner
Growthcap Ventures
Pratekk Agarwaal is the Founder & General Partner at GrowthCap Ventures, an early-stage fund focused on fintech and transformative digital businesses. A veteran operator with over 20 years of experience, he has held key leadership positions at BharatPe, Bajaj Finance, and Fullerton. Pratekk specializes in scaling lending products (LAP, MSME, POS) and optimizing GTM strategies through technology. An alumnus of IIM-Kozhikode, he is a dedicated mentor and industry speaker committed to supporting the next generation of founders with strategic capital and deep ecosystem connectivity.
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Pushkaraj Kale
CEO
atQor
Pushkaraj Kale is a seasoned technology leader and the Co-Founder and CEO of Inditrade Scalerator, where he focuses on driving digital transformation and growth for MSMEs through innovative financial and technology solutions. With over two decades of global experience, including significant leadership tenures at Microsoft and IBM, he has a proven track record in building large-scale software businesses and managing strategic partnerships across the Asia-Pacific region. At Microsoft, he served as the Director for the BFSI (Banking, Financial Services, and Insurance) segment in India, where he was instrumental in accelerating cloud adoption and digital banking initiatives. An alumnus of the Indian Institute of Management (IIM) Bangalore, Pushkaraj is recognized for his expertise in bridging the gap between traditional enterprise systems and modern digital platforms to create inclusive economic opportunities.
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Raunak Dembla
Founding Member
Decentro
Raunak Dembla is a Founding Member at Decentro, a YCombinator S20 company LinkedIn, where he leads Business Development, Strategy, and Operations. He brings over 9 years of early-stage startup experience eChai Ventures across FinTech, Retail, and Technology. Decentro is a full-stack, automated API platform for banking integrations that enables companies to launch financial products significantly faster while reducing expenditure substantially. DIGITAL TERMINAL The platform is trusted by over 1,600 large customers, including industry leaders like Groww, Tata Capital, Paytm, and BharatPe. Google. Raunak is a vocal advocate for India's evolving regulatory landscape, noting that India is becoming a regulation-first market where businesses need licences and approvals before going live at scale. Google is a key insight he regularly shares with the startup ecosystem. He is also the host of Fintech Quotient, a podcast focused on the FinTech space on LinkedIn.
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Sameer Singh Jaini
Founder & CEO
DBS Bank
Sameer Jaini is a seasoned financial leader currently serving as a Director at DBS Bank, where he specializes in Corporate Banking and Digital Transformation. With over 15 years of experience in the banking sector, he has developed deep expertise in managing high-value institutional relationships and driving the adoption of modern transaction banking solutions. Throughout his career at leading global financial institutions, he has been instrumental in navigating complex regulatory environments and streamlining digital workflows to enhance operational efficiency for large corporate clients. Known for his strategic approach to client management, Sameer plays a pivotal role in bridging traditional banking excellence with the evolving technological needs of the modern financial landscape.
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Sandeep Varma
Platform Head-Digital & Core Banking
DBS Bank
Sandeep Varma is a highly experienced professional in the banking and financial services sector, currently serving as Executive Director and Regional Head of DBS Bank for various territories. With a strong focus on Commercial Banking and Institutional Relationships, he has been a key figure in driving DBS's footprint in India and the surrounding region. His expertise spans over two decades, covering critical areas such as SME Financing, corporate strategy, and regional expansion, helping position DBS as a leading digital and relationship-oriented lender in the market. Varma is recognized for his leadership in navigating complex regulatory environments and his commitment to fostering long-term growth for business clients across Asia.
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Santosh Patel
Fintech Engagement, Democratising Innovation, Digital Acceleration, Data Monetisation and Solutions, IoT, Mobile Apps
SC Venture
Santosh Patel is a seasoned FinTech strategist and ecosystem builder currently serving as a Member of SC Ventures (Standard Chartered Bank), where he leads startup engagement and venture building. As an Ambassador for the Global Finance and Technology Network (GFTN), he plays a pivotal role in driving cross-border innovation and strategic partnerships across the global financial landscape. With deep expertise in digital assets, Web 3.0, and venture capital, Santosh is a prominent figure in the Singapore FinTech community, frequently advising on high-impact initiatives like Project BharatNetra to bridge traditional banking with emerging technologies.
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Satish Kashyap
CEO & CO-Founder
DRONAPAY
Satish V. Kashyap is a technology leader and digital strategist with a focus on scaling operations and driving innovation in financial services. With over two decades of experience, he specializes in IT governance, digital transformation, and building resilient business ecosystems.
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Saurabh Sinha
Former - Partner
BDO
Saurabh is an ex-Partner for Financial Services at BDO India, providing advisory and risk management expertise for the Financial Services industry with an emphasis on Fintechs and startups. Previously, he was the Country Leader for TransUnion CIBIL’s FinTech & e-Commerce businesses. He brings over 22 years of industry experience in building new business vertical P&Ls and in driving strategy, thought leadership and growth initiatives in international and domestic markets across Banking, FinTech, eCommerce and Telecom. Saurabh has been engaging and advising senior leaders and startup founders across financial services, FinTechs, digital ecosystems, regulatory bodies and government agencies on evolving trends and inferences across digital consumption and digital lending in India, as a prominent industry expert for many years.
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Sujatha Mohan
BFSI Leader
Sujatha Mohan is a distinguished banking technology and fintech leader with over three decades of experience in building and scaling digital platforms across retail banking, payments, and enterprise transformation. She currently operates as a Technology Advisor, working with banks, fintechs, and private equity–backed institutions on digital strategy and execution, and serves as an Independent Director at FinVu (Cookiejar Technologies) and IndoStar Capital Finance. Most recently, Sujatha was Head of Digital Solutions Factory at HDFC Bank, where she led large multidisciplinary teams responsible for delivering and operating digital platforms and core applications across branch banking, SME, and retail banking. In this capacity she was responsible for “Run The Bank”, “Change The Bank” and “Transform The Bank Initiatives. Prior to HDFC Bank, she was Business Head – APMEA at FIS Global, overseeing regional growth across payment processing and switching businesses, and driving new commercial and technology models for banks and payment networks. Earlier, as Head of Digital and New Initiatives at RBL Bank, she spearheaded the bank’s technology modernization and launched its API banking and Banking-as-a-Service (BaaS) platforms, positioning RBL as a preferred partner for fintechs and large corporates. Sujatha began her leadership career at Oracle Financial Services Software, where she led global product and implementation programs for core banking and digital solutions across multiple geographies. Her contributions have been widely recognized, including the Women in Fintech Award, listing among Top Fintech Influencers, recognition by MEITY for national fintech policy work, and multiple awards from Asian Banker and the Indian Banks’ Association for transformational banking programs. She is a strong advocate for India’s Digital Public Infrastructure (DPI), open banking, and responsible data-driven financial ecosystems.
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Tarun Mathur
Head - Strategy and Innovation
Zuno General Insurance (Edelweiss)
An innovation-focused professional with over two decades of experience with industry-leading firms and high-growth startups in roles spanning corporate strategy, consulting, business transformation, and program management. A thought leader, exploring opportunities in corporate strategy or innovation, program and product management, and strategic alliances with tech-focused businesses or innovation ecosystems.
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Upasna Batra
Director Strategy- CEO Office
PayU
Upasna Batra is a seasoned professional in the fintech industry with a proven track record in business strategy and innovation, currently playing a pivotal role at PayU India in driving strategic initiatives and enhancing business growth. Known for her expertise in digital lending, big data analytics, and developing comprehensive business strategies, she exemplifies exceptional business acumen through her transformative leadership as Director of Business Strategy. An IIM Calcutta alumna with a robust background in finance and engineering, Upasna has been recognized as the "Most Admired Fintech (E-Payment) Professional" by World Payments Congress & Awards and is a recipient of the prestigious FICCI "Women Achiever's Award." Beyond her corporate achievements, she is an active mentor to startups, contributing significantly to the growth of innovative ventures in the fintech space while championing women entrepreneurship initiatives. Based in Mumbai, she continues to shape the future of financial technology through her strategic vision, operational excellence, and commitment to fostering the next generation of fintech leaders.
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Vijay Khubchandani
Founder & CEO
Seven
Vijay Khubchandani is the Founder of Seven, a financial wellness platform focused on helping individuals achieve long-term financial security. With over two decades of experience in financial services and technology, Vijay has built expertise across investment management, wealth advisory, and digital finance solutions. Before founding Seven, he held leadership roles at leading global financial institutions, where he drove innovation in customer-centric financial products. A strong advocate for financial inclusion and literacy, Vijay's work centers on making sophisticated financial planning accessible to everyday users, combining behavioral science with technology to empower better financial decisions.
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Vinayak Hegde
Partner
Brainy Yak Consulting LLP
Vinayak Hegde is a founder, technology leader, and startup mentor with over 20 years of experience in product development and software architecture. He is the founder of Brainy Yak Consulting LLP, where he mentors startups and leadership teams on technology strategy, AI adoption, scalable system design, and product execution. His expertise spans IoT and embedded systems, large-scale networks and internet protocols, distributed data processing and management, and Artificial Intelligence and Machine Learning. Vinayak has worked across both individual contributor and senior leadership roles, leading globally distributed teams to build and scale complex software products in ad tech, developer platforms, content delivery networks, analytics, IoT, e-commerce, and logistics. Vinayak was a founder and part of the team at Speedera, which was acquired by NASDAQ-listed Akamai (AKAM). He has also been an early member of unicorn-stage companies such as InMobi, and led the technology organization at NASDAQ-listed Zoomcar (ZCAR). Over the course of his career, he has led teams across multiple stages of growth—from 0→1, 0→10, and 10→100+—while launching cutting-edge products and scaling them reliably in production.
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Yadavendra Tyagi
Founder
EnKash
Yadvendra Singh Tyagi is a FinTech leader with over two decades of experience across digital payments, banking and financial infrastructure, and regulated fintech platforms in India. He has been closely involved in building and scaling financial technology businesses, working at the intersection of banks, regulators, networks, and technology providers. His expertise spans payment systems, card and account-based infrastructures, compliance-led product design, data localisation, and large-scale fintech adoption. Yadvendra has advised startups and enterprises on regulatory readiness, go-to-market strategy, institutional partnerships, and building sustainable fintech businesses aligned with India’s evolving digital public infrastructure and policy frameworks. He actively mentors early-stage founders on product-market fit, regulatory alignment, and ecosystem integration, and is particularly interested in contributing to state-led fintech, insurtech, and startup initiatives focused on innovation, inclusion, and long-term economic impact.