Paywallet is the only full life-cycle payroll-linked SaaS platform providing easy to integrate APIs to its clients for various lending use-cases.
Vision
Improve financial security through greater access to credit, affordable pricing and control in transactions between individuals and financial companies.
Mission
Develop journey-based solutions to improve transparency, approval and certainty of repayment for our clients and their target customers.

About our company
As software developers, we've been amazed by all the ways people have embraced technology to improve their financial lives.
We've taken our 200+ years of combined experience in financial technology to bring Paywallet to market.
Built in a lending incubator, Paywallet improves access to and lowers the cost of borrowing to consumers and merchants.
Paywallet is the only full life-cycle payroll-linked SaaS platform providing easy to integrate APIs to its clients for various lending use-cases.
Paywallet places the borrower firmly and transparently in control of sharing their employment, financial records and identity data for credit decision-making.
Paywallet technology enables clients to verify employment and bank information and establishes payroll-driven remittance instructions for their customers. This expands credit access to consumers who rely on their verified source of income as proof of their ability to pay.
Executive Team

DK Sharma
CEO / FOUNDER
Sundararajan Margam
CIO / Chief Technology Officer (CTO)Sundararajan Margam is the Chief Information Officer (CIO) / Chief Technology Officer (CTO) of Paywallet. He is a versatile and experienced technology leader who has led enterprise architecture, software development and deployment across geographies. He has led the architecture and engineering efforts of more than 30 core systems integration, payments transformations and tech modernization efforts globally. In addition to Paywallet, he has architected the platform for Percipient, a Singapore-based fintech company. Prior to that he most recently was the Chief Architect for Retail Banking in Citigroup’s Consumer Businesses. Equally comfortable with the most legacy mainframe architectures and the most modern microservices-based architecture, Margam is hands-on technical expert widely respected in the industry. Margam also consults for McKinsey & Company.

Srinivas Vadali
Chief Solutions Officer (CSO)Srinivas Vadali (VV) is the Chief Solutions Officer (CSO) for Paywallet. He is passionate about delivering frictionless experiences to customers in the financial industry while remaining fully compliant with laws, regulations, guidelines and specifications relevant to business processes. VV has over 25 years’ of experience in banking and payments domain in North America. He has also spear headed the solutions design for Percipient, a Singapore-based fintech company. Prior to Percipient, VV was a Director and Principal Architect at Citibank, leading the global architecture strategy for banking and payments where he worked on application development for payments, deposits and loans covering ACH payments, wire transfers, digital payments networks (Zelle), bill payments, fraud detection and dispute resolution.

Craig J. Hoffman
Chief Financial Officer (CFO)Craig J. Hoffman serves as the Chief Financial Officer (CFO) of Pruvista Capital, LLC and is responsible for oversight of all finance and accounting functions, monitoring the investment portfolio and the performance of the firm across all operating verticals. He has 25 years’ of professional experience, more than 15 of which has been devoted to acquisitions, transaction structuring and finance. Prior to joining Pruvista Hoffman was the CFO of a real estate investment firm focused on tax credit qualified developments and he has worked as an investor, M&A investment banker, and was previously the head of an M&A group of a publicly traded company. He has successfully closed public and private M&A transactions and raised debt and equity capital for public and private companies in the financial and consumer industries. Hoffman began his career at Arthur Andersen & Co. where he practiced primarily M&A corporate tax work in Atlanta, GA. He holds an MBA from the Columbia Graduate School of business, a BA from Furman University and previously held a CPA and Series 24, 7 and 63 securities licenses.

Tom Rubino
Chief Analytics and Risk OfficerTom serves as the Chief Analytics and Risk officer of Paywallet. Tom played a leading role in proving the viability of a payroll linked lending model at Pruvista’s lending incubator Tom is an 18-year Citigroup veteran with general business analytics and management experience totaling 27 years. He started his career at Citi in the Cards division touching all facets of risk policy and ultimately becoming a Senior Credit Officer. In addition, he gained operations experience while leading the Global Collections Strategy group. Prior to Citi, Tom held the role of Chief Economist at Fentress Inc., a resource planning consultant to the Federal Justice System. He also worked as a management consultant for KPMG Peat Marwick.

Rick Lütz
Chief Revenue Officer (CRO)Rick is the Chief Revenue Officer (CRO) of Paywallet. He is a seasoned leader with experience in building and delivering innovative solutions to help clients optimize their business performance. Prior to joining Paywallet, Rick was Chief Revenue Officer for Alphamille, a technology advisory firm primarily focused in banking and financial services. He has also held executive leadership roles with ADP, Vericast, and Office Depot. Rick holds a bachelor’s degree in business management from Hartwick College in Oneonta, New York, and a fintech certification from Harvard University. He also serves as a mentor and Executive Director of Marketing for WINGSforGrowth, a non-profit with a mission to inspire, enable and empower talented women to become future leaders.

Neeraj Kumar
Chief Product OfficerBoard Members

Mark Torkos
Co-founder and Managing Partner
Scott Tanguay
Co-founder and Managing PartnerScott Tanguay is a co-founder and Managing Partner of PruVista Capital. His prior experience included a 24-year career at Citi, where he last served as Head of Operations for Citigroup’s Global Consumer Bank. Prior to this, he held various senior roles including Chief Operating Officer (COO) for CitiMortgage. Tanguay serves on the board of both Paywallet, Luxury Lease Partners and Iron Horse Credit and also serves as an advisor to two technology start-up companies.

John Shishido
Principal at Pasaca Capital Inc
Andrew Hallowell
Founding Partner & Managing DirectorTeam

Bhuvana Sundar
Head of Quality Assurance & Operations
Devesh Sukhwal
Chief Architect
Prachi Mule
Senior Product Delivery ManagerPartners

Maveric Systems Pte Ltd
Maveric Digital is a digital boutique systems integrator specializing in integrated digital development, offering a wide range of product/tech agnostic services.

Ranosys
Ranosys brings an agile approach to provide valuable insights product development initiatives and helps solve complex engineering challenges
Investors

Pasaca Capital
Pasaca Capital invests in forward thinking ideas, entrepreneurs, and startups that have successfully commercialized gaps in the marketplace while striving to make the world a better place.

Pruvista
We invest our capital and expertise across the enterprise lifecycle, from promising early stage startups to transformational public companies. And where we see important problems that aren’t being solved, we are unafraid to start companies ourselves.

Arcadia Funds LLC
Arcadia Funds, LLC is a registered investment manager focused exclusively on identifying, partnering with and providing balance sheet capital to specialty finance originators.