tmw is flagship brand of tmw fintech private limited.

We are head quartered in Mumbai with presence in more than 150 cities across India with over 2 million customers on boarded. Launched in August 2015, tmw has captured a market share of 15 % of prepaid card transactions in India. As per Silicon India’s survey tmw is ranked among the top ten mobile payment solutions in the country.

tmw is India’s first smart spend account and its product suite has laid the foundation for neo-banking in Indian fintech space by providing its customers the services of a banking at convenience. tmw has a unique offering for its subscribers - a prepaid card enabled account.

Using technology as an enabler and partnering with Mastercard, tmw provides world-class service delivery through the most extensive customer touch point network consisting of over 3 million retail outlets spread across India. Customers can transact using tmw in multiple ways: with the help of mobile app, physical prepaid card or virtual card for their transactions.

tmw is also considered as the most vibrant start-ups among the peers and has attracted top talents in the past three years.

Keeping in mind the needs of tomorrow offering next-gen banking services that challenge today’s established bank.

Why are we here? We believe that banking should be simple, transparent and happy. Current banking services are struggling to adapt to the evolving customer needs. We are here to offer next-gen financial services that challenge today's antiquated banking system, keeping in mind the needs of tomorrow.

What do we do? We design financial tools that make sense. Our first innovation - India’s first SmartSpend account: combines the best of a Mastercard and a digital wallet to make your spends a whole lot smarter. You can shop online or swipe offline, while you avail of offers using both your tmw account and a Mastercard. You can load, send and receive money with ease. You can carry only what you wish to spend, of course in a tmw account and in a card. You can transact in digital money or withdraw cash from an ATM. And yes, without the hassle of opening a bank account or unnecessary paperwork.

What's our goal? To eliminate the stress associated with your banking experience. We want to help you manage your spends better.

Our Team

Vinay Kalantri Founder and Managing Director

Listed as 50 Most Promising Entrepreneurs of 2017 and with over 15 years of experience, Vinay has been engaged in diversified business in the field technology, telecommunication & infra projects.
At the age of 19, he wrote the book ‘C# Classes’ which got him appreciation from Bill Gates. He recently made it to the list of ‘Top 50 Most influential payment professionals in India’ published by world payment congress. He is also a member of WTC, All India Association of Industry, FICCI, NASSCOM & Payment Counsel of India.
Vinay believes that successes are never made alone. He gives the entire credit to his enthusiastic team that sleeps and breaths this brand and relentlessly work towards

Brijendra Kumar Gupta Chief Financial Officer

Brijendra oversees the Finance and Legal functions of tmw. A Chartered Accountant by qualification, revenue assurance is his strong suite.
Brijendra has been instrumental in starting key business initiatives and joint ventures. He is valued for his expertise in interpreting corporate vision and strategy, translating objectives into actionable plans and providing decisive leadership to cross-functional and multi-regional teams.

Hrishikesh Kulkarni Chief Technology Officer

Hrishikesh has immense passion for tech. He is a person who understands business as much as he understands tech. An IITian who has provided tmw users with top notch features believes that Fintech is the place to be. Hrishikesh believes in building world class products for its users and believes in continuous improvement.

Chandrajeet Yadav Chief Growth Officer

A true growth hacker with over 19 years of experience, Chanderjeet has proved himself to be a cross-functional catalyst for the companies he has worked through various initiatives in sales, alliances, corporate and marketing.
His particular interests include all type of implementation activity in marketing. He believes strongly the best way to produce great integrated work is to have a tightly integrated team and operations. He has spent more than 19 years working to break down barriers to help companies perform more nimbly and better. Before TMW he has worked with marquee brands like LG, Amway and the Essar group.

Anil Khanna Senior Vice President – Sales & Alliance (West & South)

With over 30 years of experience in distribution channels, Anil has provided growth impetus to tmw and several other brands in the past. His grip over the retail and distribution network has been vital for tmw to expand into new territories. Before tmw Anil has worked with brands like Cadbury, Reliance, ESPN and HUL.

Vinu Pillai Chief HR Officer

With nearly 22 years of rich experience in devising and effectuating HR, policies, system and practices; Vinu Pillai is tmw’s Chief HR Officer.
Vinu, takes great pride in building and nurturing talent. She is committed to helping create tmw’s future workforce by bringing together talent with diversity of skill, gender and expertise.

Sacheen Neroorkar Vice President (Operations)

With over 27 years of experience, Sacheen has been instrumental in managing operations of the company. His experience and expertise is invaluable. Before tmw he has worked with IDBI Bank, IndusInd Bank, ICICI Bank and RBL Bank.

Ankur Verma Associate Vice President (Design Lab)

Ankur Verma, a creative stalwart with close to 12 years of experience. He is hugely passionate about the creative output of the company. A new age creative thinker to the very core, he is equally adept at traditional, non-traditional and digital media. In an ever-changing industry, he relishes the challenges ahead. He is also passionate about the twin peaks agenda of creativeness and effectiveness. He is an appreciated guitarist and has a known track record of guiding his teams to achieve creative and business objectives.