Refyne - India’s first earned wage access platform

Establishing the link between reward & work

Refyne partners with organizations to help build their staff’s financial resilience and nurture a productive and happy

Established in December 2020 by CEO and founder Chitresh Sharma and cofounder and CTO Apoorv Kumar, Refyne has developed a mobile-first Earned Wage Access (EWA) platform that enables companies to allow their employees to acquire their real-time income any time before their monthly salary is due.

Refyne partners with enterprises with more than 1,000 employees to deploy its plug and play solution, which integrates with any existing payroll or HRMS. It fronts the risk with the earned salary withdrawal by employees, without impacting the status of the employers’ working capital.

Our Leadership

Refyne’s team comprises successful entrepreneur, tech experts & skilled professionals who believe access to sound finance is a fundamental pillar of a thriving economy.

Pushkina Nautiyal

Head Brand & Marketing

An alumni of Lady Shri Ram College, University of Delhi, Pushkina has a decade of experience working with startups in scaling user adoption and positioning for niche tech products.

Chitresh Sharma

CEO & Co-founder

A serial entrepreneur, Chitresh has a master’s degree in international marketing from University of Strathclyde, Scotland & previously co-founded two ventures - Swipii, Glasgow (2012) and Cloud9i Solutions, Bengaluru (2009).

Sumit Sagar

Product Lead

A digital entrepreneur, Sumit graduated from NIT Calicut and has more than four years of experience in building principal fintech products.

Apoorv Kumar

CTO & Co-founder

An IIT-Guwahati alumni, Apoorv has previously worked with Goldman Sachs and Bengaluru based lending startup Datasigns Technologies (2017) where he led the technology & data analytics team.

Arijit Dey

Head Growth & Partnerships

An engineer with a master’s degree in marketing, Arijit has over 18 years of experience leading growth across multiple industry verticals at top innovative corporates and disruptive startups.

Vishal Kumar

Tech Lead

Vishal is an IIT-Guwahati graduate in computer science and has spent more than five years building scalable and secure systems.

Akshat Sharma

Operations & Delivery Lead

Akshat has a master’s degree in marketing from IBMR, Bengaluru and over six years of experience in sales, delivery and operations management.

Our investors

Refyne is backed by some of largest VC funds including partners of DST Global and fintech veterans who value financial inclusivity

Mission statement

Refyne aims to simplify money and help improve personal finance for the people of India by ending exploitative credit schemes, empowering employees with access to their earned wages, and building trust in the financial system for the underserved.

Values that define us

Refyne’s most prized asset is our culture - our set of values is inspired by resilience and the conduct and skillset of each team member.

Refyne members strongly abide by Call of Duty, Experimental Mindset, Respect, Communication, Celebration, Empathy, and Impact.

As Refyne was established during the COVID-19 pandemic, the team has always worked remotely, forging a single unit, all through this journey. We didn’t let the distance or the crisis deter our mission, and we trust that each member must explore their strengths and take risks. At Refyne, we believe that failures are crucial lessons and necessary steps to build a strong and stable future.