Aug 2025 – Present · 7 mos

Mar 2023 – Aug 2025 · 2 yrs 5 mos

May 2025 – Present · 10 mos · Bengaluru, Karnataka, India · On-site

• Spense.money — building modern infra for secured credit cards and programmable banking.
• Founded by Pawan Kumar (ex-Uber) and Srinivas Krishnamurthy (ex-BNP Paribas), Spense is powering next-gen card rails for banks & fintechs.
• At GrowthCap Ventures, we back infra that scales responsibly—and Spense is poised to lead the secured credit revolution in India. #Fintech #BankingInfra #OperatorVC #GrowthCapVentures

Jan 2025 – Present · 1 yr 2 mos · South Mumbai, Maharashtra, India · Hybrid

Dec 2024 – Present · 1 yr 3 mos · Mumbai, Maharashtra, India · Hybrid

• RePut.ai, a supply chain solutions provider, has raised $1 million in a pre-seed funding round led by GrowthCap Ventures.
• Founded by Anuj Bishnoi, Rohit Mahatma, and Amit, RePut.ai empowers brands to validate, market, and scale their sustainability efforts. Its platform ensures businesses achieve global sustainability goals by providing actionable insights for tracking and reducing carbon emissions, driving recycling initiatives, and transitioning towards a circular economy.

Aug 2024 – Present · 1 yr 7 mos · Mumbai, Maharashtra, India · On-site

• GrowthCap Foundation is the philanthropic initiative of GrowthCap Ventures, focused on creating lasting, positive change in key areas such as education, healthcare, and nutrition. Through a hands-on approach, we aim to address critical societal challenges by working directly with communities and stakeholders to deliver sustainable solutions.
• Our mission is to uplift underserved populations by providing access to essential resources and opportunities. Leveraging the operational expertise and network that GrowthCap Ventures is known for, GrowthCap Foundation takes a strategic approach to philanthropy, ensuring that each initiative has a measurable impact and fosters long-term progress.
• As a registered nonprofit with 80G certification, GrowthCap Foundation not only creates social impact but also offers tax-saving benefits to its contributors, ensuring that philanthropy can be both impactful and efficient.
• By integrating a deep commitment to social responsibility into everything we do, GrowthCap Foundation strives to make a meaningful difference in the lives of those who need it most. Our focus is not just on funding, but on creating a foundation for self-sufficiency and growth in the communities we serve.
• Interested to partner - reach out to foundation@growthcap.vc

Apr 2024 – Present · 1 yr 11 mos · Mumbai, Maharashtra, India · Remote

• GrowthCap Venture's investment in Advance Mobility as part of seed round, driving future of fleet management in mobility sector.
• Developed sustainable solutions for fleet operations on Uber platform, solving value chain problems.
• Achieved successful investment in dynamic startup, contributing to scalable business growth.

May 2023 – Present · 2 yrs 10 mos · Mumbai, Maharashtra, India · Hybrid

Mar 2023 – Present · 3 yrs · Mumbai, Maharashtra, India · On-site

• GrowthCap Ventures is a SEBI registered Cat 2 VC Fund specializing in early-stage investments, with a primary focus on Fintech, SaaS & Deeptech sectors. We write cheques ranging from $250k -$750k
• Our mission is centered around providing intelligent capital and building a strong community and ecosystem of operators to support our portfolio startups throughout their scaling journey and ensure their success.
• We strongly believe in investing our time and capital in exceptional founders who have a tech-first approach and possess deep product insights. To qualify for our investment, the product should have already demonstrated early traction and exhibit the potential for significant scalability.
• Our goal is to become the preferred early-stage fund, offering founders access to capital, experiential business advisory , and an institutional network that can power exponential growth. What sets us apart is our commitment to providing value beyond Equity and Debt capital.
• We actively engage with our portfolio companies, offering a unique blend of operational expertise, tailored advisory services, and access to portfolio Non-Banking Financial Companies (NBFCs) and network capital from renowned mentors, operators, and venture capitalists.
• Through this comprehensive approach, we empower founders to efficiently and effectively achieve their growth metrics. At GrowthCap Ventures, we are dedicated to supporting startups in realizing their full potential and becoming industry leaders.

Dec 2022 – Present · 3 yrs 3 mos · Mumbai, Maharashtra, India

• TransBnk is built by team of bankers and technologists who have been working in the Transaction Banking space for more than a decade individually and has a collective experience of more than 50 years .
• My role as an Investor and Advisor is to be the go to person for the Founding Team
• Support and guide the team with my network, experience to build a profitable and scalable business and Fundraise

May 2022 – Present · 3 yrs 10 mos

• My role as an Investor and Advisor is to be the go to Mentor for the Founding Team
• Support and guide the team with my network, experience to build a profitable and scalable GTM

May 2022 – Present · 3 yrs 10 mos · Mumbai, Maharashtra, India

• My role as an Investor and Advisor is to be the go to Mentor for the Founding Team
• Support and guide the team with my network, experience to build a profitable and scalable GTM

May 2021 – Present · 4 yrs 10 mos · Mumbai, Maharashtra, India

• My role as an Investor and Advisor is to be the go to Mentor for the Founding Team
• Support and guide the team with my network, experience to build a profitable and scalable GTM

Apr 2021 – Dec 2023 · 2 yrs 8 mos · Mumbai

• Helped ideate and build Fintech Vertical ( CX Strategy )
• Changing the way we connect with Brands
• Thinking App-less

Sep 2020 – Present · 5 yrs 6 mos · Mumbai, Maharashtra, India

• My role as an Investor and Advisor is to be the go to Mentor for the Founding Team
• Support and guide the team with my network, experience to build a profitable and scalable GTM

Jun 2020 – Mar 2023 · 2 yrs 9 mos · Mumbai, Maharashtra, India

• Trutes Advisors is a boutique operator advisory firm with primary focus on Fintech & Digital Lending Start-ups and NBFC ecosystem in India :
• The firm helps Startup's and Brands with curated & bespoke strategies on :
• Go-to-market and growth strategies around demand , underwriting and supply side
• Business models on digital lending portfolio, product mix , tech systems and scorecards
• Alliances & Partnerships with Fintech’s, Banks, NBFCs & Insurance co’s
• Growth hacking, marketplace & scaleup
• Product validation, CX strategy
• Hiring the right talent & building the right team
• Consulting on NBFC Licence , P2P and Aquihire
• Early stage Investment , Fund Raise and Operator VC role

Jun 2019 – Feb 2023 · 3 yrs 8 mos · India

• With Investments in over 35 + promising startups , I actively Invested & advised start-ups & work with founders closely on getting the product and GTM right for the scaleup . This is primarily via references , VCs , PEs & funds :
• Current investments include, fintech marketplace, Lending & payments Apps , Insurance , underwriting platforms & Cloud Kitchens
• Goal is to help entrepreneurs leverage my experience and industry network to achieve faster and precise Go-To-Market
• Advise on Product validation, GTM strategy, growth hacking, hiring right talent for the right job
• P&L , Banking /NBFC connect & fund raise
• An active Operator Advisor to the Board

May 2019 – May 2020 · 1 yr · Mumbai Area, India

• As a P&L owner , built the fully digitally enabled Lending business and Financial Services ecosystem for the largest offline merchant’s network in India (~ 6M merchants )
• Built from scratch - Lending thesis , product ideation & tech stack , GTM strategy , pricing & P&L that raised $75 mil as a part of series B
• Risk Strategy , Scorecard underwriting and collections Strategy
• Strategic partnerships with Financial Institutions
• Leading the NBFC License process with RBI as Director

Aug 2017 – Apr 2019 · 1 yr 8 mos · Mumbai

• Built the lending business of ftcash from scratch to scale on top of the existing payments business.
• As part of the management team , closely work with founders to deliver the strategic objectives
• Partnerships and Alliances with Banks ,NBFCs and Fintechs
• P&L owner , Lead the Sales , Credit Risk and Collection teams

Dec 2016 – Jul 2017 · 7 mos · Mumbai Area, India

• The Fintech Startup was a diversified digital enterprise to venture into unique hybrid Digital lending model , Digital Insurance distribution and real estate social networking portal www.myrenet.com.
• As Co-Founder & CEO , I was responsible for leading the overall business strategy , banking and Insurance alliances , developing the simplest yet intelligent tech platform for B2B and B2C coupled with various Customer centric initiatives.

Aug 2015 – Nov 2016 · 1 yr 3 mos · Mumbai Area, India

• Develop and drive capabilities creation, Insurance sales within secured and unsecured products
• Identify opportunities and facilitate good governance, policy changes and cross functional alignment across all departments and customer lifecycle
• Develop and manage the fintech engagement initiatives with internal and external customers
• Lead the end to end Direct Sales and Digital strategy for IndoStar Capital

May 2012 – Jul 2015 · 3 yrs 2 mos · Pune

• Conceptualized and Implemented one of the best known and largest channel loyalty program (Pragati & Samman)
• Implemented BI tools and barcode tracking mechanism for over 400 SKUs for India business
• Lead the overall Market Research , Loyalty and Operation teams

Jul 2009 – May 2012 · 2 yrs 10 mos · Mumbai Area, India

• Setup the Customer Experience Model and framework for Bajaj Finance across business lines and strive to set benchmark in the finance industry
• Lead the automation and self service initiatives by identifying the opportunities at various touch points

Oct 2007 – Jun 2009 · 1 yr 8 mos · Mumbai -India

• Setup the customer service and experience model for India business , accessible at more than 850 branches across business lines.