Top 10 Indian Fintech Leaders Steering the Nation's Financial Future

4. Kunal Shah – Founder, CRED

Kunal Shah, known for his deep insights into consumer behavior, founded CRED to tap into India’s growing class of creditworthy users. CRED turned a routine task paying credit card bills into a reward-driven, gamified experience. With data at its core, Shah aims to build a trust-based ecosystem that rewards financial discipline and introduces members to exclusive fintech offerings. His contrarian thinking and user-first approach have made CRED a standout brand in Indian fintech.

5. Lizzie Chapman – Co-Founder & CEO, ZestMoney

Lizzie Chapman is among the few fintech leaders championing financial inclusion through consumer lending. ZestMoney offers Buy Now, Pay Later (BNPL) services and digital credit to customers who may not have access to traditional credit. Under her leadership, the company has expanded access to small-ticket loans with minimal friction, bringing millions of new borrowers into the fold. Chapman’s focus on responsible lending and partnerships with banks and NBFCs reflects a nuanced approach to credit innovation.