About us

Building the future of responsible banking.

Your automation partner to solve all your open banking needs.

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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
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

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