Guiding excellence in fintech
From roadblocks to bridges—making finance work for everyone.
Ramkumar Thirumurthi
CRO
With 27+ years of experience in financial services, Ramkumar spent over two decades as an entrepreneur, founding, co-founding and scaling multiple ventures from 0 to 1—including Actyv.ai. Renowned as a builder and scaler, he brings precise strategy and strong execution to every challenge. At Setu, he leads the revenue and partnership charter, shaping growth and expanding the reach of India’s digital financial infrastructure.
Vijeth Pandit
CPO
Vijeth has built and scaled high-impact products across fintech, telecom, retail, healthtech, edtech, and voicetech—leading end-to-end product strategy and execution at Razorpay, Amazon and Jio. An intrapreneur at heart, he thrives on solving complex problems and turning bold ideas into real-world impact. Over the years, he has earned multiple leadership recognitions for driving innovation and cross-functional excellence—momentum he now brings to Setu as he reimagines the future of financial products.
Prashanth Nimmagadda
CTO
Prashanth is an established technology leader with over 25 years of experience building and scaling world-class platforms at Razorpay, LinkedIn and beyond. Renowned for building high-performing teams, he combines deep technical expertise with sharp executional focus. At Setu, he’s driving the company’s technical vision—building resilient systems, fostering engineering excellence, and defining the future of fintech through purposeful innovation.
Nikhil Jain
Head of Finance
Nikhil is a strategic financial leader and a Chartered Accountant by profession, bringing deep expertise in governance, finance, and business operations to support a fast-growing fintech ecosystem. As the Head of Finance, he combines structural discipline with agile thinking to translate ambitious corporate plans into sustainable outcomes. His approach emphasizes robust financial processes, informed decision-making, and a sharp focus on building for scale. With Nikhil at Setu, the company is poised to strengthen its financial foundations and drive sustainable growth as it enters its next phase of expansion.
Chinmay Pol
Business Head, BBPS
Chinmay is a transformative leader with 20+ years of experience driving large-scale transformations and scaling high-performance organizations. With his experience as former Head of Banking & Acquisitions at NBBL, he brings a unique blend of analytical thinking and creative strategy to drive business expansion and strategic partnerships. His leadership emphasizes customer-centric innovation, lifelong learning, and a steadfast focus on people development. With Chinmay at Setu, the company is poised to accelerate the expansion of its digital financial infrastructure, driving strategic ecosystem growth and delivering lasting value for partners.
Rajeshwari Ramachandran
Executive VP - Human Resource
Rajeshwari is a seasoned people leader and an alumna of the Tata Institute of Social Sciences, bringing deep expertise in human resources, organizational design, and culture transformation. As the Executive Vice President of Human Resources, she combines strategic business insight with a human-centered approach to build workplaces where talent can thrive. Her leadership emphasizes strengthening enterprise culture, developing leaders, and enhancing the overall employee experience. With Rajeshwari at Setu, the company is poised to foster a high-performance culture while ensuring its people remain at the heart of its scaling journey.
Prakhar Jain
Head - Payments & International Business
Prakhar Jain is a fintech leader with over 15 years of experience building and scaling digital payments businesses across Amazon and Setu (Pine Labs). Throughout his career, he has led high-impact initiatives spanning merchant acquiring, financial infrastructure, and strategic partnerships, helping accelerate payment adoption and business growth. As Business Head – Payments at Setu, he leads the company's Payments business while driving its international expansion, enabling global
Culture at Setu
Here’s what Setuzens have to say about their life here
Read all about the culture at Setu in our blog! Check out our series ‘Humans of Setu’—dedicated to the beautiful humans who make Setu.
I’m here for the amazing filter coffee that I share with wonderful fellow Setuzens—who are smart, hungry and some of the most humble folks I have ever seen.
Karthik — Finance
I joined Setu because the founders took a bet on me in the middle of the pandemic knowing I did not have any relevant experience in Fintech. It was a great personal transformation for me while I continued to do some of the most impactful work of my life. At an organisational level, empathy for peers, customers and stakeholders is something I closely internalised —something Sahil constantly stresses upon. I am super glad to have been enabled at this level, and a lot of my growth happened at Setu.
Amrutha — Design
I wasn’t too thrilled about the acquisition news if I’m being honest! However, multiple conversations with the founders and senior leaders helped me find clarity and see the larger level of opportunity at hand. Financial inclusion has always been Setu’s audacious goal. We want to build rails that would enable financial products to reach every nook and corner of our great country. With a partner like Pine Labs, I am super enthu about our 2.0 journey!
Pete — Content and Growth
Nikhil and Sahil are walking examples of the popular belief of ‘We have to always be surrounded by people who are smarter than us’. Now, I see it as something I ought to invest even my time and money into.
Krishna — Engineering
Both Sahil and Nikhil have shown faith in my working style and also led by example by demonstrating high agency which helped me get ideas off the ground and on to execution. It also helped me iterate with ideas and collaborate with thoughtful researchers due to which I have been able to build the D91 brand with complete ownership.
Monami — D91 Labs
Before Setu, I thought starting up a business was a dream that might someday come true. During my Setu days, there were many difficult challenges thrown at me from all directions, it was definitely too overwhelming in the beginning. Nikhil and Sahil, though, were two badass leaders who inspired me to raise the bar every day. If it wasn’t for Setu, I don’t think I would have the courage to chase a startup dream today.
Anantha — Biz Dev
What’s life without some perks?
Come join us!
We started out as a small team of four, and have come a long way since. At our core lie our people, and we’re hellbent on setting them up for success.