Who We Are
Asheet Mehta
CEO & FOUNDER
Driven by a passion to help consumers achieve their best financial outcomes.
Former Senior Partner and Co-head of Global Financial Services McKinsey & Co
Kshitij Gupta
FOUNDING TEAM
Committed to making everyday financial life simpler and more empowering.
Startup operator with deep experience building Fintech and AI products from 0→1
We aim to make finance responsible to help customers achieve financial independence
We want to deliver the best financial outcomes for our customers by delighting and surprising them and putting them on a path to financial independence.
We do this by autonomously managing and optimizing your cashflow to save on interest expense, pay down debt faster, save more, and invest said savings to have more money left over to spend on life's necessities and desires.
About ResFi
When we started ResFi.ai we started with the notion that if we had to start a financial technology company from scratch, we would not build our company the way current financial services are designed, managed, or offered.
We started by putting the customer at the center of everything we do – this means not only our financial needs but also the complicated emotions we have related to money. We aim to meet all such needs over time and do it without relying on legacy technology that compromises experience, without fine print or hidden fees, and without business models that are misaligned with customers' interests.
As a result, we measure ourselves by the financial outcomes we deliver for our customers. Every product and service must provide clear, distinctive value and a superior experience. Our fees and rates are fair, transparent, and simple, enabling us to serve our customers sustainably and earn their trust.
We will leverage AI and best-in-class data to simplify finance and make it autonomous, as we live up to our customer promise and deliver more value and delight to our customers.
To that end, we are a team of curious thinkers and learners who strive to understand not only customer pain points but also the emotions that go with managing their financial lives.
We are building an organization that values a customer-first mindset, innovative and responsible thinking, great execution and building trust and leading with integrity.
Our Values
Stewards of your finances
When customers put their trust in us by "banking" with us, we become stewards of their finances. Our mission is to help our customers achieve their best financial outcomes and for us to act as their advocate by giving and implementing advice that is both in our customer's interests and sustainable for us.
Profit Only on Progress
We align our revenue with customer success. We refuse to build "poverty-traps-features" that rely on late fees, hidden interest, or user mistakes to be profitable. If the math doesn't improve a customer's net worth, we don't ship it.
Built for Simplicity
Complexity in financial services turns off customers by making them unsure or feeling like they do not always understand what they are buying and getting. Our aim is to simplify and automate everything we can. We remove unnecessary layers and design every product, term, and cost to be inherently simple. If it feels complicated, it's broken.
Engineered to be Responsible
Responsibility is built into the system, not added later. We embed compliance, ethics, and customer advocacy into every decision. Our platform prevents over-leverage, prioritizes safety and security, and guides users toward sustainable financial outcomes automatically. We aspire to work with best-in-class partners and communities to build a growing, aligned ecosystem where value flows back to consumers, enabling mutual growth and long-term trust.
Designed For Delight
In a world of stressful banking, we solve for joy. Whether it's an unprompted rate drop or a hidden savings gap we filled while the customer was sleeping, we strive to surprise our users with progress they weren't even looking for. We turn financial anxiety into the delight of automated growth.
Ideas Over Hierarchy
We are a meritocracy of "Owners" where the best idea wins, regardless of title. We value the radical curiosity of builders who challenge the status quo and the ambition of teams who grow by solving the hardest problems. No one has a monopoly on insight; we all have an obligation to drive the mission forward.
Bias for Action
Financial stress doesn't wait for strategy discussions, and neither do we. We value the "builder" who identifies a friction point in a customer's journey and moves immediately to fix it. We measure our success by the speed at which we solve real-world problems.
