Built for Bharat

Powering dreams in Tier 2 & 3 cities with accessible and trusted lending solutions for Individuals and MSMEs.
Who We Are

About Prefinn

Prefinn is a Technology-enabled platform evolving into a full-stack lending fintech, focused on building next Gen credit Distribution Infrastructure, which combines robust technology, data-led decisioning and structured partner management to create predictable, auditable and scalable growth for Bank, NBFCs and borrowers.

Our Vision

To become India's most trusted digital platform for credit distribution - powering sustainable growth for banks, NBFCs and institutional lenders.

Our Mission

To modernise credit distribution by combining enterprise-grade technology, data intelligence and strong governance - enabling lenders and partners to deliver faster, more transparent and compliant credit outcomes.

What We Stand For

Core Values

Responsible Credit

Responsible lending principles with customer dignity at the core.

Compliance as Culture

Regulatory discipline aligned with governance & strong controls.

Technology with Prudence

Use AI technology to reduce risk & enable best lending practices for consumers.

Sustainable & Profitable Growth

Prioritize asset quality, capital efficiency and long-term value over short-term volumes.

Our Focus

What We Do

Merchant Enablement

Building the merchant enablement layer that helps India's traders operate, access finance, & scale within a connected digital marketplace.

B2B Tech Platform

Offering a B2B Tech Platform to Institutional Partners & IBOs to scaleup Housing & MSME lending across Tier 2, 3 & 4 cities.

AI Credit Infrastructure

Developing an AI based trusted Credit assessment & Support Infrastructure to enable Inclusive and responsible Credit for India's emerging Consumers & MSMEs.

Leadership

Meet Our Core Team

Prefinn is founded by Ex-Bankers & Fintech Strategists having two decades plus experience with a team of expert financial professionals. We bring a proven track record of managing large-scale Financial Business & Strategy for targeted customer segments across the country.

Mr Rajesh Upadhyay
Founder & CEO

An IIM-C Professional, Ex-VP Axis Bank, having 22yr+ Banking sales and Fintech Business expertise. Proven track record of managing Lending Business, Growth Strategy, and Tech Platform Development at Axis Bank, Manipal Group, Kotak Bank, HDFC & ICICI Bank.

Mrs Gunja Durg
Co-founder & CHR

An MBA in HR and Marketing & Gold Medalist having extensive work experience of 12+ years in Agent Training & Certifications, CRM & HR Processes, and Customer Acquisition in Key Organizations like Next Sourcing, Walmart, Smart World & Godrej Reality.

Mr Naveen Arora
Head – Operations

A senior Banking Professional with 18yrs+ Expertise in Financial Products including Housing & MSME Loans. Expert in managing Banking Sales, Operations, and IBO Acquisitions. Leads Ops and Compliance at Prefinn.

Mr ML Kundlas
Board Advisor

Retail Industry Veteran having 40+ years of experience in managing large B2B2C Businesses as ED/Board Member/President & CEO. Instrumental in creating Business strategies, Turnaround & creating value for shareholders with focused vision.

Dr Alok Gupta
Board Advisor

Ex CEO, Veteran Technocrat & PHD in data Science, with 28yrs+ experience in creating Tech Platforms, large scale Payments Business & AI based Technology. Helping Prefinn create AI based LOS and scalable Fintech platforms.