About us
Building the future of responsible banking.
Your automation partner to solve all your open banking needs.
Our Vision
To make responsible lending efficient for financial institutions and transparently accessible for every borrower.
Trusted by our customers and partners alike.
Built by veterans in financial services and technology.
TEAM

Nitin Sharma
Co-founder & CEO

Harshvardhan Singh
Co-founder & Tech Architect
ADVISORS

Manisha Kohli
APAC Head of Technology, Google

Maxim Afanasyev
Financial services lead, Google

Rajeev Uberoi
Ex RBI, Citi, SCB

Rohit Kilam
CTO, HDFC Life

Ravi Sharma
Ex CEO Sun Life Financial AMC

Siddharth Rath
Ex CEO, SBM
With Refo, leading Financial Institutions have experienced...
3x
Faster
Faster
Customer onboarding speed
30%
Increase
Increase
In customer conversions
60%
Reduction
Reduction
In tech costs
50%
Reduction
Reduction
In backend process TAT
One platform. Multiple benefits.
Double Your Lending Speed:
Launch in Half the Time with Refo.