Lizzie Chapman 🇮🇳

Co-Founder

Mumbai, Maharashtra, India20 yrs 11 mos experience
AI Enabled

Key Highlights

  • Co-founded India's leading digital lending platform.
  • Advised government on startup ecosystem growth.
  • Passionate advocate for women's healthcare.
Stackforce AI infers this person is a Fintech leader with extensive experience in digital lending and investment management.

Contact

Skills

Core Skills

FintechRisk ManagementHealthcare ManagementVenture CapitalBusiness DevelopmentStartup EcosystemPayments InnovationB2b MarketplaceDigital LendingDigital BankingHospitality ManagementInvestment ManagementAlternative Capital MarketsGlobal Equity Research

Other Skills

AI-native technologycomplianceDigital EMIMerchant integrationCredit supplyAccount ManagementVenture FinancingCorporate DevelopmentPrivate EquityCorporate FinanceValuationHedge FundsStart-upsEmerging MarketsDue Diligence

About

Lizzie is a fintech leader and serial entrepreneur with over twenty years’ experience across financial services, technology, and hospitality. She co-founded ZestMoney, India’s leading digital lending platform and an early innovator of “buy now, pay later,” raising over $120 million in equity and reaching $50 million in annual revenue. Lizzie also co-founded the Digital Lenders Association of India, advised the Government’s Start-up Advisory Council, and served on the National Payments Corporation Innovation Council. She has founded and grown businesses in financial services, SaaS, hospitality, and wellness, holding non-executive director roles at IndiaMart, and Cloud Nine. Beyond her commercial work, Lizzie is passionate about running, wine, the arts, writing and acting.

Experience

20 yrs 11 mos
Total Experience
3 yrs 4 mos
Average Tenure
1 yr
Current Experience

Baysys

Co-Founder

May 2025 – Present · 1 yr · India

  • Baysys is the leading resolution specialist for distressed consumer debt in emerging markets. We focus exclusively on retail portfolios, combining deep domain expertise with an AI‑native technology stack.
  • Our platform gives clients and investors full end‑to‑end control over every account. Each interaction is recorded and governed by strict risk and compliance rules, while the same infrastructure prices portfolios, forecasts returns, and tracks realised ROI.
  • In a world of automated decision‑making, we are deliberately human‑centric. Behavioural data and sentiment signals are used to personalise outreach and terms, so borrowers experience empathy and dignity whilst delivering superior recoveries
  • Founded in 2025, Baysys is led by operators from fintech, banking, AI, credit risk, and large‑scale collections. Our goal is to turn distressed consumer portfolios into predictable, well‑governed, and scientifically managed sources of long‑term value.
AI-native technologyrisk managementcomplianceFintechRisk Management

India quotient

Advisor

Dec 2024 – Present · 1 yr 5 mos · India

  • IQ is one of the leading early-stage investment firms in India with a phenomenal track record and unique approach. With Anand Lunia at the helm, IQ is never afraid to take bold bets and contrarian views. Famous for big bets in Consumers from Sugar Cosmetics to ShareChat, as well as SAAS's success in Webengage, Vyapar and more.
  • I think this is the highest quality early-stage team in India and one of the only truly FOUNDER FIRST philosophy VCs in the market.
Venture Capital

Swiffylabs

Advisor

Aug 2023 – Sep 2025 · 2 yrs 1 mo · India

  • SwiffyLabs is a a Fintech company building digital lending and payments technology that empowers businesses to offer exceptional digital products seamlessly and scalably.
  • SwiffyLabs is backed by Reliance Jio and led by an all-star team of deep tech and product experts from ZestMoney, Navi, Finacle and PayTM.
Fintech

Cloudnine group of hospitals

Independent Director

Jan 2022 – Present · 4 yrs 4 mos · India

  • Cloudnine is India's leading women's healthcare brand with maternity, fertility and women's health centres - spread across 35 centres in 16 cities.
  • Women's healthcare is one of my biggest passions in life. I am so grateful to have the opportunity to work with a company that so profoundly prioritises the health and well-being of Indian women. I look forward to helping the brand grow to new heights whilst maintaining its excellence in service and care.
Healthcare Management

Digital lenders association of india (dlai)

President

Oct 2021 – Sep 2022 · 11 mos · Mumbai, Maharashtra, India

  • DLAI was formed in November 2016 with the objective of bringing together the members of the Digital Lending Ecosystem, to support the industry to grow sustainably. The association started with 9 founding members and is more than 100 members strong today and is run by a management committee which is elected every year.
  • I was proud to be a Founding Member as well as hold positions of Vice President and eventually President - in what was one of the most turbulent times for the Digital Lending Ecosytem
Digital Lending

National payments corporation of india (npci)

Member of The Innovation Council

Feb 2021 – Mar 2023 · 2 yrs 1 mo · India

  • NPCI is the umbrella organisation for all retail payment systems in India. It was set up with the support & guidance from the Reserve Bank of India (RBI) & the Indian Banks Association (IBA).
  • I loved being a fly on the wall as part of the Innovation Committee at an exciting time in the evolution of UPI
Payments Innovation

National startup advisory council (nsac)

Member

Jan 2021 – Jun 2023 · 2 yrs 5 mos · India

  • DPIIT created the National Startup Advisory Council to advise the Government on measures needed to build a strong ecosystem for nurturing innovation and startups in the country to drive sustainable economic growth and generate large-scale employment opportunities.
  • I loved being part of these discussions and especially enjoyed a spacial project on how we drive greater Female participation in entrepreneurship and women-led growth.
Startup Ecosystem

Zestmoney

Co-Founder & CEO

Aug 2015 – Jul 2023 · 7 yrs 11 mos · Bangalore

  • ZestMoney was India’s first and largest Digital EMI (BNPL) platform. ZestMoney was deeply integrated with the largest merchants in India, including Amazon, Flipkart, Myntra, MakeMyTrip, Nykaa, and brands like Apple, Reliance Digital, Chroma, etc. increasing the affordability of their products and helping them facilitate frictionless sales at a higher conversion rate to a larger base of customers. ZestMoney also had the largest network of merchants with 10,000+ online partners, and 75,000 physical stores, making the company a market leader in the space.
  • Me, Priya and Ashish founded ZestMoney in 2015 (pre-DPI, India Stack and UPI) and thrived on solving the challenges of offering a fully digital end-to-end lending experience - at scale to millions of people. We were deeply mission-driven and believed that increasing the credit supply in the country would power economic growth and inclusion. We are incredibly proud of everything we built - including the team and culture; Zesties have gone on to do the most magical things in the global Fintech ecosystem.
Digital EMIMerchant integrationCredit supplyFintechBusiness Development

Indiamart intermesh limited

Non Executive Board Member

Jan 2015 – Oct 2022 · 7 yrs 9 mos · Noida, Uttar Pradesh, India

  • IndiaMART is India's largest online B2B marketplace, connecting buyers with suppliers. The online channel focuses on providing a platform for buyers, who can be SMEs, large enterprises as well as individuals.
  • I adored my time working with IndiaMart and learn more from observing Founder Dinesh Agarwal than any MBA could ever teach me.
B2B Marketplace

Dbs bank

Executive Director - Digibank

Jul 2014 – Jun 2015 · 11 mos · Mumbai, Maharashtra, India

  • Digibank by DBS was a pioneering and path-breaking project - India's first wholly digital, app-based bank. A passion project led by a global team across Singapore and India, we deeply leveraged the country's emerging digital public infrastructure from Aadhaar to E-KYC. We were the only Financial Institution ever to design a coffee shop onboarding using biometric authentication at point-of-sale.
  • I adored working on this project, spending time close to the customer and pushing the boundaries of technology, infrastructure and UX.
Digital Banking

Abode bombay

Co-Founder

Oct 2013 – Jun 2015 · 1 yr 8 mos · Mumbai, Maharashtra, India

  • Abode was, and probably still is, the best Boutique Hotel in Mumbai. We created the Abode Hospitality Operating Group and turned an old run down Mumbai guest house into a beautiful, authentic and premium city get away.
  • A bit of a side hustle but probably one of the pieces of work I'm most proud of (and enjoyed the most) in my life. Turning the vision into reality took a huge amount of blood, sweat and tears and was a real baptism of fire in terms of learning to navigate and operate a "real world" business in India.
Hospitality Management

Wonga.com

India Country Head

Jun 2011 – Oct 2013 · 2 yrs 4 mos · Mumbai, Maharashtra, India

  • Wonga was - at this time - one of the most incredible global Fintech success stories. we had cracked end to end digital lending at phenomenal scale in multiple markets.
  • I joined in London but was soon posted to India to develop and launch the first digital "Pay Later" product in the market. An exhilarating experience - not without its challenges - that helped make me fall in love with this country
Digital Lending

Wellcome trust

Investment Manager, Direct Private Investments

Feb 2008 – Jun 2011 · 3 yrs 4 mos

  • The Wellcome Trust is the world largest medical charity and its grants have quite literally changed the course of human history - for example Wellcome funding decided the human genome!
  • Working in the investment team was an absolute dream. I have never and will never experience a culture and environment as wonderful. Led by Danny Truell, we had absolute freedom to explore the world, make big bets and learn about investing. It was here that I had the opportunity to learn so much about India, the financial system (and make some good returns)
Investment Management

Goldman sachs

2 roles

Associate, Alternative Capital Markets

Jul 2004 – Feb 2008 · 3 yrs 7 mos

Alternative Capital Markets

Business Analyst, Global Equity Research

Jul 2003 – Jun 2004 · 11 mos

  • Global Financials
Global Equity Research

Education

The University of Edinburgh

BSc (Hons.) — Medical Microbiology

Jan 1999 – Jan 2003

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