Findhan is an initiative to invite promising FinTech and other enterprise tech startups from India to explore collaboration opportunities with TVS Credit. Over the next 12 months, Zone Startups India will be hosting a series of engagements ranging across office hours,demo days, industry nights, hackathons and more to engage the startup ecosystem with the leadership team and business units at TVS Credit.

In terms of outcomes for the participating FinTech and enterprise tech startups, opportunities range across tech partnerships, new product developments and other strategic engagements. If you are a startup with a possible use-case for the organisation, feel free to reach out to us to discuss synergies!


Customer and Dealer Management
People Management
New Product Development
Operations - Robotic Process Automation (RPA)


We are looking for tech startups with innovative solutions across all aspects of financial services, including the above areas of focus but not limited to them.

We are looking for passionate founders with solutions that solve real problems and/or create meaningful co-innovation opportunities.

We expect applications that exhibit:

  • Well-rounded teams with business, technical, and other necessary skills.
  • How the prototype or product applies to the TVS Credit business use-cases, with references to it in the application.
  • Your current traction

  • We are looking for teams with a passion to innovate and an ability to execute.


    • Opportunity to collaborate and gain insights from senior leaders at TVS Credit
    • Opportunity to do a PoC and earn a commercial contract with TVS Credit
    • Access to TVS Credit’s technology, expertise and lineage
    • Access to Zone Startups’ network of mentors and experts


    Innovation Challenges

    Build on problem statements that are proprietary to TVS Credit


    Innovate and create on use-cases for TVS Credit

    Industry Nights

    Platform to share innovation best practices between TVS Credit and startups

    Community Events

    Tech & sector focused events

    Demo Days

    Startup showcase & PoC opportunities

    Office Hours

    Learn about industry dynamics, idea validation & more from senior leadership


    Rammohan S, Chief Strategy Officer
    Rammohan S, the Chief Strategy Officer, holds BE, MBA degrees and has 24 years of sales experience in the automobile industry. In his role at TVS Credit, he dons the mantle of spearheading external growth. Believing that growing market share responsibly is the company’s main priority, he advocates doing business the way customers want to do business, supplying them with a full spectrum of products, while providing excellent customer service. His experience comes from the time spent in leading auto majors such as Tata Motors and TVS Motors.
    Anjaneya Prasad Prabhala Chief New Products Officer
    Anjaneya Prasad heads the development of new products at TVS Credit. An engineer by qualification, Prasad received his Bachelor’s Degree in Engineering from the Regional Engineering College, Bhopal, in addition to which he has completed the Executive Program in Business Management at IIM Calcutta. He leads the thrust in the development of business in the rural segment. He has over 14 years of experience in Rural Finance and has worked for companies like HDFC bank , ICICI Bank and Eicher Tractors. Prasad is a Certified Associate of the Indian Institute of Bankers (CAIIB) from India Institute of Banking and Finance.
    Ananthakrishnan R, Head-Retail Credit
    A passionate credit and risk management professional with over 21 years of experience in retail financing, Anantha heads retail credit and Credit Operations for TVS Credit. In his earlier stint with Bajaj Auto Finance Ltd, he handled business development, channel management, and Credit & Risk policies and processes. Prior to joining TVS Credit in 2009, he was associated with Chola DBS , where he was responsible for the Two wheeler policies and processes. He specialises in setting up start-ups for lending operations, and policy and process capabilities to handle high volume retail portfolios. Anantha holds an Master’s Degree in Business Administration from Bharathiyar University, Coimbatore.
    Arulanandam C, Chief Technology Officer
    With over 19 years of experience in delivering key IT projects, Arul brings to the table an ability to deploy systems that transform business processes. An alumnus of Anna University, where he earned a Master’s Degree in Computer Applications, he has held responsible positions at Harita Infoserve Limited and TVS Electronics.
    Charandeep Singh, Head- Marketing & CRM

    Charandeep Singh heads Marketing and CRM at TVS Credit. With over 13 years of experience in marketing, sales, CRM, and strategy across BFSI and automotive companies, he has led various initiatives in brand communication, market research, digital business, analytics, and customer relationship management. He has been at the helm of several transformational initiatives, including the development of corporate websites and mobile apps, and several award-winning brand campaigns. He has also successfully executed programs to enhance customer experience and engagement, thereby enabling effective cross-sell business.

    An agricultural engineer by training, Charandeep also holds an MBA degree in marketing from Narsee Monjee Institute of Management Studies, Mumbai. Widely regarded as a leading practitioner of marketing in the financial services industry, he has received several prestigious awards, including the prestigious Youth Achiever of the Year at the Marketing Awards 2017

    and The Best Visibility and Visual Campaign of the Year at RMAI Flame Awards Asia 2018

    Shashwat Saxena, Head- Corporate Planning

    Shashwat heads the corporate planning at TVS Credit. He has over 11 years of experience primarily in financial services and have led various initiatives in new business development, technology, M&A and strategy articulation.

    In his previous roles, he has successfully launched new products and have driven key transformation projects. Shashwat is an engineer and holds an MBA degree in Strategy and Finance from York University, Canada. At TVS, Shashwat is responsible for leading initiatives on emerging technologies across the lending value chain, M&A activities and strategic alliances

    Ajay Ramasubramaniam, Director, Zone Startups India

    Ajay oversees the flagship accelerator operations as well as leads new initiatives, including corporate innovation programs and thematic accelerators under the Zone Startups brand. Prior to Zone Startups India, Ajay led the India Operations of a Canadian ed-tech startup; wherein he helped the company set up in India and establish its initial partnerships, as well as raise INR 150 Cr.

    Ajay has also worked for the Government of Ontario, Canada for 5-years, where he was responsible for bilateral trade and investment relations between Ontario and India. He began his career working in Tanzania (East Africa) for 4 years, where he was involved in World Bank and African Development Bank projects. During this term, he assumed the role of an “intrapreneur”, and built a social enterprise in the agri-inputs value chain, wherein he built revenues in excess of $1Mn within the first 1.5 yrs.

    Ajay is an MBA in Marketing & Finance and a B.Comm in Financial Management from Mumbai University has 12+ years of cross-functional work experience with startups, international business and Governments, across North America, East Africa & South Asia.

    Sweta Tiwari, Associate Director, Zone Startups India

    Sweta Tiwari has been associated with the early stage and start-up ecosystem playing a pivotal role in a career spanning over 9 years. Prior to rejoining ZSI in May 2016, she was an investment professional at Mayfield India, an India focused fund of the 46-year-old US Venture Capitalist Mayfield. At Mayfield, she was responsible for generating early stage and angel stage leads for the fund managers and seeing them through to investment closure. In addition, she was an instrumental resource for the portfolio companies of the fund to help them connect with the relevant stakeholders in the ecosystem.

    Earlier, Sweta was associated with ZSI as their Program Manager and helped the leadership in setting up the accelerator program at Zone Startups India. Before ZSI, she was a Startup Program Manager and credited with running the TiE-IQ Bootcamp, one of the most successful accelerator programs in the country. The ability of guiding the start-ups with the right approaches comes naturally to her because of her early exposure to being an entrepreneur in the chocolate industry where she nurtured a brand called Chocodesire, a brand known for its premium handmade chocolates and surprise planning initiatives

    Sweta holds a Master’s in Business Administration Degree from Mumbai University.

    Gokul KS, Manager, Program Director - Special Project, Zone Startups India

    Gokul oversees the K -Accelerator Program in partnership with Kerala Startup Mission in Trivandrum. He is an active and accomplished startup ecosystem evangelist and enabler in India. Over the past few years, he has built and provided high-level support in a variety of startup and developer ecosystems. He has been a volunteer at the iSPIRT think tank. He was also instrumental in creating iSPIRT’s PNgrowth boot camp, which focused on redesigning the startup to win the category of 200 growth stage product entrepreneurs, selected through individual and peer-based recommendations. His nine years of work experience is spread across various organizations like Jaaga & Startup Village where he was leading and managing complex programs and partnerships.

    Gokul believes in the idea of creating value through making the right connections for stakeholders and offers expertise in operations and business development. He holds a degree in Business Studies where he majored in Small Business and Entrepreneurship from the University of Northampton.

    Sumit Gilitwala, Corporate Development Manager, Zone Startups India

    Sumit is a Fintech and start-up aficionado. He comes with a diverse background of economics, finance, and management. An economist and management graduate, Sumit Gilitwala is currently associated with Zone Startups India as a Corporate Development Manager. He has earlier worked with MEDICI – Global Fintech Market Network as a Research Analyst and Consultant. Sumit helps banks and other financial institutions with their Digital and Fintech Strategy through their innovation programs.

    At a young age, he has built expertise in consulting, economic research and forecasting, business strategy, private equity valuation, and program management.

    From the largest cities to the smallest villages, India is filled with ambition and enterprise. As Indians from all walks of life set out to write their growth story, our timely and affordable credit empowers them to bring their dreams alive. As part of the $7 billion TVS Group, we empower Indians from various socioeconomic backgrounds with financial products that serve their needs. In doing so, we further the cause of financial inclusion. Our two wheeler, used car, three wheeler, and tractor loans are designed for Indians in small towns and the rural heartland, for our nation's growth is powered by their prosperity. Our foray into the used commercial vehicle and consumer durable finance is yet another step in this direction.

    Our entrepreneurial culture, which inspires us to deliver our best, has given rise to such initiatives as TEDDI, a framework to implement innovative ideas, and GURU, a mentorship program to help new employees deliver excellence from Day One. With over 2.5 million customers and a long-term CRISIL rating of AA-, our growth is built on firm foundations. We have won several awards, including the Flame Award for Excellence in Rural Marketing, The Best BFSI Company Award at the ET Now Makers of Developed India Awards 2018, and the Most Effective Employee Engagement Strategy Award at the World HRD Congress:

    • 2010: We begin operations with our Two Wheeler loans
    • 2010-11: Our book size grows to INR 100 crore
    • 2012-13: Our book size grows to INR 1000 crore. We begin financing Used Cars and Tractors
    • 2014-15: We reach the milestone of 1 million customers and begin financing Used Tractors
    • 2016-17: We welcome our 2 millionth customer
    • 2017-18: Our book size exceeds INR 6000 crore. We launch our Consumer Durable loans
    • 2018-19: We begin financing Used Commercial Vehicles

    Zone Startups is the global brand of technology accelerators and early stage venture funds, operated by Toronto-based Ryerson Futures Inc. Established in Toronto in 2012, Zone Startups presence spans 8 cities across Canada, India and Vietnam.

    As a meta-accelerator, Zone Startups operates its own accelerator programs as well as partners with leading corporates to set up and manage corporate accelerators and innovation programs. Zone Startups' accelerator programs are built on the pillars of validation, mentorship, industry connect and investor access. FinTech is a major focus area for Zone Startups India's corporate accelerator programs, having executed programs for global BFSI multinationals as well as

    leading Indian BFSI companies. Apart from bringing its program management expertise to the core, Zone Startups acts a solid buffer between the incumbent industry and emerging startup ecosystem; while understanding tech innovations, with an ability to converse with industry for relevant applications.


    How do I apply to engage with TVS Credit through this program?

    We will be hosting multiple multi-format events such as Demo Days, Hackathons, Industry Nights, Office Hours, Workshops etc along with the senior leaders at TVS Credit. Accordingly,we shall get in touch with you to participate and engage with TVS Credit via these formats. We request you to subscribe using the button on the website so that we know your interest levels beforehand.

    Is there an equity stake component to the program?

    TVS Credit does not commit any investment and is not affiliated with any investment arrangements made. However, depending on the interest levels in your solution, you can discuss this with TVS Credit if such a situation arises.

    Is a participating company's product or service guaranteed to be used by TVS Credit?

    No, there are no guarantees. It's entirely at TVS Credit’s discretion as to whether or not we enter into any commercial arrangement with a participating company after the challenge.

    Is my age a factor in the selection process?

    No, not at all.

    How can I be sure that the information I share with TVS Credit & Zone Startups is not shared with anybody else and confidentiality is maintained?

    The information shared with us is purely used to evaluate your startup and the solution/ offerings. This information will be used by Zone Startups & TVS Credit as a part of the selection process. We take pride in our confidentiality policy.

    What type of companies can apply?

    We are looking for companies with compelling offerings in the focus areas mentioned on the website. Additionally, if you have a great team, with a passion for-innovation, and a new product/ service with an ability to impact an NBFC - we would love to engage with you.