Wribhu Tyagi

Mr Wribhu Tyagi is drawn to messy problems: understanding the economics beneath them, then owning the growth that comes from solving them. Over more than 25 years in financial services he has built a business, taken another through a major pivot and, today, leads digital and liability products at Shivalik Small Finance Bank as part of its management committee.

At Shivalik he owns the cost-of-deposits challenge while building digital into a growth engine across deposits, lending and fee income, from the API layer and payment rails to connected banking and digital acquisition. Earlier, as President and COO of Eko, he led its pivot from an agent-led payments network to a software platform for micro-entrepreneurs. He has also worked on payments at Visa and held roles at RBL Bank and Citibank.

He co-founded Deal4Loans in 2006 and bootstrapped it to profitability as a leading digital lending marketplace; it later became Wishfin. He went on to found mTuzo, a card-offers and benefits platform used by several fintechs, and still builds AI products himself. An alumnus of IIM Lucknow, he brings to First Bridge an operator's view of fintech and new ventures.