Building Bridges

Helping institutions scale with next-gen fintech solutions.
The result? Building a more inclusive and financially empowered India.

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Guiding excellence in fintech

From roadblocks to bridges—making finance work for everyone.
Nikhil Kumar
Nikhil Kumar
Co-Founder & Chief Evangelist

A quiet force behind India’s digital public infrastructure, Nikhil is a builder at heart and a visionary for financial inclusion. Before co-founding Setu, he spent nine years at iSPIRT Foundation, playing a key role in shaping India Stack. He’s known for letting his work speak louder than words—Whether pioneering cutting-edge APIs or scaling transformative ecosystems, he relentlessly redefines the frontiers of fintech innovation.

Anand Raisinghani
Anand Raisinghani
CEO

Anand is a seasoned leader with over two decades of experience across BFSI and telecom. After driving growth, profitability, and large-scale transformation at SAP, Equifax, IBM, and Wipro, he now leads Setu from the front. Renowned for his strategic foresight, execution excellence, and deep industry insight, he blends technical depth with business acumen. At Setu, he is not just scaling operations—he’s shaping the future of financial infrastructure and setting new benchmarks for the industry.

Vijeth Pandit
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.

Vinay Kesari
Vinay Kesari
General Counsel & Director of Strategy and Operations of Setu AA

As Setu’s first employee, Vinay has been instrumental in it's journey from a VC funded startup to a fintech powerhouse. Backed by 15 years of experience across fintech, startups, and corporate law, he has counselled global companies on navigating India’s dynamic regulatory landscape. At Setu AA, he blends sharp policy insight with a builder’s mindset to shape one of India’s most pivotal digital infrastructure initiatives. He currently leads legal, strategy, and operations—staying close to the action while building for scale.

Prashanth Nimmagadda
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.

Ruby Jane Antony
Ruby Jane Antony
Director, People Ops

Certified in SAP SuccessFactors, Workday, and Kronos, Ruby brings a systems-led approach to building scalable, high-impact people practices. Over the past six years, she has been a driving force behind Setu’s culture—fostering an environment where people thrive, grow and feel deeply connected to the mission. With deep expertise in HR strategy and organizational design, her passion for crafting meaningful employee experiences has helped shape a values-led, high-performing workplace that Setuzens are proud to call their own.

Santosh Subramanian
Santosh Subramanian
Director Finance

With over 13 years of experience across banking, audit, and corporate finance, Santosh brings deep financial expertise to Setu’s growth journey. After shaping financial strategies at Yes Bank, Wibmo, and Deloitte, he now leads our finance function—balancing precision with long-term thinking to support responsible scale. Detail-driven and strategy-focused, he’s known for building strong financial foundations and enabling sound, forward-looking decisions.

Puranjay Mahapatra
Puranjay Mahapatra
Chief of Staff

From his early days in project management and business finance to now leading as Chief of Staff, Puranjay’s experience across industries enables him to navigate complexity and get things done. He thrives at the intersection of strategy and execution. Armed with an MBA from HKUST and NYU Stern, He brings a structured, cross-functional mindset to Setu—aligning teams, unblocking problems, and driving momentum across the organization.

If being surrounded by extremely talented folks who’ve always got your back, having fun through each problem they solve, constantly acquiring new skills, openly talking about anything and playing games together isn't the work-culture you’d like—then maybe Setu isn’t for you.

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Dhruv, Engineering

What sets Setu apart from other organisations? The people. I love how warm and welcoming everyone is. People are open to new ideas and experimentation and the passion and zeal they put into their work here is pretty infectious.

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Prajna, Design

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.

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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.

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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!

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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.

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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.

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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.

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Anantha, Biz Dev



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.

Setu is rapidly growing, which means that we’re constantly on the lookout for leaders and thinkers who can aggressively contribute to our vision and help drive it—in their own way.

We have a long way to go and we’re all about taking our people along for the ride. It’s important that our people progress, because so does the company—we’re pretty selfish that way. You can be assured that your growth is high stakes for us.

If you’re offered a seat on a rocket ship, don’t ask what seat. Just get on.