Building Bridges

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

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The Decision Architects

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

A builder at heart, he’s on a mission to make financial services both accessible and affordable for all. Whether crafting APIs or scaling ecosystems, he’s always pushing the boundaries of what’s possible in fintech.

Anand Raisinghani
Anand Raisinghani
CEO

A results-driven leader, Anand brings a sharp commercial mindset and deep tech expertise to drive growth. With a customer-first approach and a focus on high-performance culture, he’s committed to scaling Setu while delivering impact. Known for execution rigor and strategic vision, he leads from the front to build the future of financial infrastructure.

Vijeth Pandit
Vijeth Pandit
CPO

With years of experience in Razorpay, Amazon & Jio, Vijeth has built and launched products that solve real world problems. An intrapreneur at heart, he thrives on innovation and impact and is now driving Setu’s next-gen financial infrastructure.

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

With 15 years of experience in fintech, startups, and law, Vinay joined Setu as our first employee and played a key role in our evolution from a VC-funded startup to a fintech powerhouse. Now, he not only runs the legal playbook but also drives operations and strategy for Setu AA, our RBI-licensed NBFC Account Aggregator.

Prashanth Nimmagadda
Prashanth Nimmagadda
CTO

With extensive experience in scaling tech platforms at Razorpay and LinkedIn, Prashanth is passionate about driving innovation and digital transformation. He leads our tech vision, ensuring we stay at the forefront of industry advancements while delivering impactful solutions.

Ruby Jane Antony
Ruby Jane Antony
Director, People Ops

From product management to HR transformation, Ruby brings a unique blend of strategy and people-first thinking. At Setu for nearly six years, she’s built a thriving team and a culture that scales.

Santosh Subramanian
Santosh Subramanian
Director Finance

With 13+ years of experience across banking, audit, and corporate finance in Yes Bank and Wibmo, Santosh ensures Setu’s financial engine runs smoothly. Detail-driven and strategy-focused, he navigates numbers to drive sustainable growth while keeping the books balanced.

Puranjay Mahapatra
Puranjay Mahapatra
Chief of Staff

From business finance to chief of staff, Puranjay thrives on structured thinking and getting things done. With a background in consulting, product, and digital transformation, he’s the glue that keeps teams aligned and moving fast. Whether it’s strategy or execution, he’s always ready to dive in and make things happen.

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.