Our Team

Our core team leverages its deep network of cross-functional leaders across the global fintech ecosystem to support our portfolio companies.


Melissa Frakman


Melissa brings 15 years of experience participating in India’s digital revolution to bridge worlds for top entrepreneurs and companies. On Innovate Finance’s “Global Fintech Powerlist,” she’s led tech investments and built businesses for Fortune 500 corporations and early-stage startups now serving over 700 million people.

Full Bio


Vivek Rajgarhia

venture partner

Vivek is a leading fintech and credit operator. Currently SVP of Decision Science at Dividend Finance, he was Chief Credit Officer of Circle Up and led product teams at HSBC, PayPal, and Capital One. Vivek founded a fintech company focused on financial literacy for millennial consumers. He brings his credit expertise to support EMVC portfolio companies.


AP Hota


AP Hota was the founding CEO & MD of the National Payments Corporation of India, responsible for the world’s first and largest biometric-enabled national payments platform: Unified Payments Interface (UPI), RuPay, and and BHIM. Previously, he was Chief General Manager of the Department of Payment & Settlement Systems at the Reserve Bank of India (RBI).


Patrick Condon


Patrick is Senior Managing Director & Chief Risk Officer for TIAA Retail Financial Services. A leader in global financial innovation and former software product manager, he led asset management technology programs in India and the U.S. as Managing Director at Bank of America. He works with emerging companies on reaching scale with new technologies for financial institutions.


Neeraj Vohra


Neeraj is the Chief Financial Officer of Frontier Strategy Group. With over 20 years of finance for technology companies, including as CFO of RateReset and Managing Director and head of fintech at FBR investment bank, Neeraj has deep transactions insights for high growth fintech companies from Series A to IPO. 


Sundeep Sikka


Sundeep is CEO of India’s largest mutual fund company, Reliance Nippon Life Asset Management Ltd. He is a respected leader in the industry, including as former Chairman of the Association of Mutual Funds of India and Director of India’s Financial Planning Standards Board (FPSB), advocating and promoting financial literacy, investor awareness, retail penetration, and digital transformation.


Kiran Shetty


Kiran is the CEO of SWIFT India leading both national and cross-border banking payments. As CEO & Regional Head, he led Western Union’s growth in South Asia. He is the recipient of National Award for E-Governance Driving Financial Inclusion from the Government of India and has participated for 20+ years in the evolution of digital finance in India.


Rumi Morales


An early specialist in digital currency, blockchain, AI, and distributed ledger technologies, Rumi is a partner at Outlier Ventures, and previously led the ventures investments for CME Group. She is an early investor in many of the world’s most iconic blockchain companies and applies a truly international lens to working with founders in South Asia and other markets.


Tina Johnson-Marcel

Design advisor

Tina is Senior Director of Design & Head of Original Content at Capital One and is one of the most sought-after content design leaders in the U.S. She brings her expertise and creativity to bring a fresh perspective to EMVC portfolio companies as they build their platform.


Cory Ip

Data advisor

Cory brings cross-functional experience in engineering, design, operations and data analysis from roles at MIT Media Lab, Harvard, SapientNitro, and several top European startups to support cross-border strategies in fintech and other high-growth sectors.

Divija Rao - Picture.JPG

Divija Rao


Divija is an engineer from IIT-Kanpur who is dedicated to helping startups succeed. She was founding Program Manager at Techstars India, was a Senior Technology Analyst of big data company Tracxn, supported innovation programs for SwissRe, Novartis, and others. She received the Tata Research Fellowship at Indian Institute of Science.


Zachary Cohen


A former entrepreneur, Zach is a graduate economist from the University of Cape Town and masters candidate in Quantitative & Behavioral Economics at Georgetown University, passionate about financial inclusion and social impact in emerging markets. He is board member at the Georgetown FinTech Club and Net Impact pitch competitor.