About us

Building the infrastructure powering modern banking.

We help fintechs and banks launch credit programs faster

Get a Demo

Our Vision

To make responsible credit efficient for financial institutions and Fintechs.

Trusted by our customers and partners alike.

Built by veterans in financial services and technology.

TEAM
Nitin Sharma
Nitin Sharma
Co-founder & CEO
Harshvardhan Singh
Harshvardhan Singh
Co-founder & Tech Architect
ADVISORS
Manisha Kohli
Manisha Kohli
APAC Head of Technology, Google
Maxim Afanasyev
Maxim Afanasyev
Financial services lead, Google
Rajeev Uberoi
Rajeev Uberoi
Ex RBI, Citi, SCB
Rohit Kilam
Rohit Kilam
CTO, HDFC Life
Ravi
Ravi Sharma
Ex CEO Sun Life Financial AMC
Siddharth Rath
Siddharth Rath
Ex CEO, SBM
Sandeep Chouhan
Ex Group CEO, Abu Dhabi Islamic Bank

With Refo, leading Financial Institutions have experienced...

3x
Faster
Customer onboarding speed
30%
Increase
In customer conversions
60%
Reduction
In tech costs
50%
Reduction
In backend process TAT