
About Fintree
Fintree Finance is an Impact Lender based out of Mumbai which aims to bring about the upliftment of MSME segment in India by helping them with much needed financial inclusion and cause a positive social impact.
A thought driven approach of building a team of professionals with varied work-ex DNA, has led to a distinct & unique amalgamation of ideas, processes and operational experience making Fintree Finance a unique-boutique NBFC catering to the unmet needs of MSME segment in India in a robust, swift and efficient method.
Our aim is to help this under-served MSME segment of the country by capitalising over a quarter century of experience in the BFSI sector and adopting the latest technology.
Currently operational in Mumbai & Delhi, we provide short-tenure loans to merchants based on the digital payments that happen at their outlets.
Loan against Digital payments is a short-term credit facility extended to merchants who have a Point –Of-Sale (POS) machine installed at their premises. Fintree Finance uses its in-house technology platform, coupled with strong analytics and algorithms for origination, underwriting & disbursal of loans and helping this MSME segment, enter the formal credit system and improve their credit profiles.
The Key thought of Why Not rather than Why to lend, has led to the development & continuous evolution of the proprietary algorithm at Fintree Finance, which analyses the digital payments data from a simple bank statement of a merchant. The algorithm clearly identifies and defines distinctive set of data cuts which accurately predict the merchant’s repayment capacity to arrive at the best lending offer.
There are over 51 million MSME’s in India, but a majority of them are still not part of the financial environment.
These MSME’s require quick, hassle free and dependable financial assistance on timely basis. Meeting these requirements gets difficult under the regular banking and financial structure. We understand this issue and hence with the help of technology enabled underwriting of alternate data, we aim to bridge this gap for the under-served MSME’s.
Key initiatives in recent times like Indiastack, Aadhar based authentications, eKYC, esign etc. have further brought Digital lending options at finger tips of merchants. Implementation of GST has opened a unique set of data points for alternate lending. With increasing payments using mobile wallets and the advent of Bharat Billpay, will further boost the parameters for alternate lending in India.
Fintree aims to utilise its expertise in utilising these enablers in empowering the overall MSME segment and also bringing Finance to the door-steps of the often neglected Women driven business, thereby boosting women empowerment.
Our Values
Integrity
Responsibility
Passion
Commitment
Quality
Accountability
Fintree Team

Lalit Shah
President
Lalit Shah with his wide ranging business acumen, he will be giving the necessary traction to the company’s business and provide a direction to its growth objectives in the long run. His forte is his exposure to big ticket customer account acquisition and management, executive leadership, and strategy development and implementation. He has scaled various roles and senior level positions in his previous work experience and has emerged as a seasoned veteran in devising successful policies and governance, in line with the organizational goals. At Fintree Finance Pvt. Ltd., he is responsible for overall stakeholder expectations management, new business creation, and synchronizing the efforts of individual business units to move cohesively towards the vision of the company. He has focused his energies on business excellence and spearheading industry development for fulfilling the broader financial inclusion objectives of Fintree’s customers. With Lalit’s dexterity and business skills, the NBFC is extremely likely to meet its aggressive growth plans for the next five years. He is overlooking the launch of several financial products, services, and solutions rolled out by Fintree Finance Pvt. Ltd. in the first five years of inception. He has also laid out the general ethics of code of conduct and core values that will drive superior client servicing across the hierarchy.

Deepak Joshi
Independent Director
Deepak Joshi has over 25 years of experience in the Financial Services industry across HFCs, NBFCs and Banks. He has worked with organisations such as HDFC LTD, ICICI Bank, ABN AMRO Bank and Religare. He has held senior leadership positions in these companies, has managed large and diverse teams across various functions and carries an in-depth understanding of Housing Finance industry. He has successfully steered businesses from a start-up stage to positions of prominence in each of his previous stints. He is associated with our company since June 2019

Sharad Agarwal
Chief Executive Officer
Sharad is one of the founder member of Fintree Finance Private Limited, he is a distinguished expert in executing greenfield projects and has been instrumental in setting up various state of art business infrastructures at corporate as well branches levels in Pan-India. He brings along with him critical insights useful to support & strengthen the entire distribution as well as sales channel of a unit while simultaneously engaging the human capital into the process. To his credit, various Start-up businesses have grown successfully. He has worked with reputed organizations such as CITI Financial, Religare, Max New York Life etc and was always a part of the core team which steered growth in the respective system. Over his tenure of 2 decades, he also brings along strategic expertise to help leadership deliver business needs in IT, Operations, Quality functions and also in the domain of integrating international IT projects, large data management and shared services operations.

Sandeep Wirkhare
Advisor to Board
Sandeep has been a startup specialist through out 25 years of work experience and has spearheaded several start up and rapid growth situation in organizations such as ICICI Bank, Reliance Capital, Dhanlaxmi Bank & Essel finance Business Loans to set & scale up operations nationally, building assets to the tune of INR 5000 Cr+ annually.
A Management Graduate in finance, after starting his career in Investment Banking, he worked across all functions in the organisation starting from Sales & Distribution to Credit & Risk Management including hands on experience in technology, treasury & compliance.
Having gained expertise in retail assets, managing diverse customer segments in all the geographies in India, he is currently working on and passionate about creating an opportunity for lending in Unorganised Customer Segment through usage of contemporary technology and non conventional distribution, underwriting & collection mechanism including innovative liability structures.

Raakesh Malhotra
National Business Head-Sales
Raakesh is a dynamic, result driven professional with 24+ years of diverse and enriching experience in Banking, Telecom and Hospitality. He has proven expertise in Business Planning, New Business Development, Sales Leadership, Credit Risk, Cross Selling, Retail Banking, Customer Relationship Management, Establishing Scalable Processes and Restructuring Systems, Loan administration, Liabilities Acquisition, Leading and Mentoring large cross functional team with an aim to drive organisational performance. He worked in Hotel industry for 4 years and then moved to upcoming Telecom Industry in 1999. Subsequently he plunged into banking , starting with HDFC Bank. Raakesh was one of the initial hires purely into CASA Acquisition as Area Sales Manager. After a 2 year stint with HDFC Bank, he joined Kotak Mahindra Bank and rose through ranks becoming Vice President within 4 years. He has Loan Distribution experience ranging from ticket size of Fifty thousand to Fifty Crore.

CA Parasuram Iyer
Assistant Vice President (Credit)
He is a qualified Chartered Accountant from ICAI. He has 9 years of industry experience. Worked with companies like ICICI Bank, Religare Finvest Ltd and Aditya Birla Housing Finance. Has an astute Credit Sense with fingers on the economic cycles to frame the policies. His 2 year stint in ICICI Bank Retail Assets Policy team, he honed his skills of using data and trend analytics in framing policies in the best interest of the bank. This edge of looking outside the box and non-financial aspects are best utilized at Fintree Finance. He brings on the table a perfect balance of experience and hawk eye view of economy in guiding the Risk team to next level of Credit Analytics.

Abhishek Gite
Product and Alliances Head
He is a Post graduate in Marketing and seasoned marketing & sales professional, with over 18+ years of experience, in BFSI, Education and Technology domain, spread across the geograhies and roles. Having worked predominantly in the area of unsecured loans, he comes with deep understanding of the loan products ranging from 10k to 1Cr. He has been actively involved in scaling up the business through successfully implementing BTL & ATL promotions integrating with channel management. He has worked with Citi Financial, ICICI Bank, Fullerton India, ZEE Learn, Rubique Technologies, across sales and marketing roles.

Empowering SME Growth
Fintree Finance Pvt. Ltd. is an Impact Lender based out of Mumbai & is backed by the veterans from Banking & Fintech Industry.
By capitalising over 25 years of experience in the BFSI sector and adopting the latest technology, Fintree aims to help the under-served SME segment of the country. Currently operational in Mumbai & Delhi, Fintree provides short-tenure loans to merchants based on the digital payments that happen at their outlets.
Loan against Digital payments is a short-term credit facility given to merchants who have a Point –Of-Sale (POS) machine installed at their premises.
The key differentiator at Fintree is the young team of energetic, passionate and dynamic individuals who are driven by the sole objective of empowering the SME segment, incorporating the correct mix of technology & personal interactions to bring about the Customer Delight factor in the lives of their customers.
Fintree Finance uses its in-house technology platform, coupled with strong analytics and algorithms for origination, underwriting & Disbursal loans and usher in financial inclusion of the SME segment.
There are over 51 million SME’s in India, but a majority of them are still not part of the financial environment.
These SME’s require quick, hassle free and dependable financial assistance on timely basis. Meeting these requirements gets difficult under the regular banking and financial structure.
Fintree with the help of technology and its different way of underwriting which is based on alternate data aims to bridge this gap for the under-served SMEs.