About the role
Samriddhi Fintech
Seniority: Executive
Job details:
Here's the complete co-founder-investor description, built specifically around someone who will join as a **founding partner and put in capital** — not a passive investor and not a pure operator, but both combined:
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# Seeking Co-Founder (Investing Partner) — Samriddhi Fintech
**Fixed Deposit & Bond Distribution Platform | Tier-2/3 India**
## About Samriddhi
Samriddhi is a fintech platform distributing fixed deposits and bonds into India's tier-2 and tier-3 cities — markets with strong household savings but limited access to formal, digitally-enabled investment products. We're building under a compliant regulatory pathway (SEBI OBPP) with direct bank integrations and a modern, consent-based digital onboarding stack.
## Where We Are Today
- **Regulatory structure:** SEBI Online Bond Platform Provider (OBPP) pathway
- **Bank integrations targeted:** IDFC First, Kotak, HDFC, Axis
- **Onboarding:** Aadhaar / PAN / DigiLocker / V-CIP eKYC; Account Aggregator integration planned for consent-based data access
- **Compliance built in from day one:** TDS, AML-CFT, DPDP Act 2023
- **Current build:** No-code MVP stage, validating flows before heavier engineering spend
- **Tracked monthly:** transaction volume, commission revenue, integration count
- **Team so far:** Founder (25 years in banking) + one technical partner currently building the platform for equity (no salary)
## Why We're Bringing In a Co-Founder Now
The venture needs two things at once — **capital** to move past the no-code MVP into a scaled, bank-integrated product, and **hands-on partnership** from someone who shares the execution risk, not just funds it. Rather than raising from a passive investor, we want a true co-founder who invests alongside building.
## Who We're Looking For
- **Financial commitment:** Willing to invest capital directly into Samriddhi as a founding stake, not a loan or pure equity purchase from the sidelines
- **Operating involvement:** Active in the business — ideally strength in technology/product, fintech operations, or bank/NBFC partnerships to complement the founder's distribution and banking-relationship background
- **Regulatory comfort:** Able to operate within a SEBI-regulated, compliance-heavy environment without friction
- **Time horizon:** Comfortable with a methodical, multi-year build rather than a fast-scale/fast-exit mentality
- **Alignment:** Genuinely wants co-founder status (title, equity, decision-making role) — not just a financial return
## What's On Offer
- **Founding equity stake**, commensurate with capital invested and role taken on
- **Co-founder title and governance involvement** — shared decision-making, not a silent-partner arrangement
- Ground-floor position in a platform with a defined regulatory pathway and named bank integration targets already in motion
- A near-term checkpoint (early 2027) where traction — volume, revenue, integrations — will determine the next phase: scale, hold, or explore a strategic sale
## Valuation & Investment Context
- Realistic standalone valuation today sits in the early single-digit crores range; this is expected to move meaningfully higher only with a signed white-label bank partnership or competing investor interest
- Samriddhi's financials are kept fully separate from the founder's other venture (a DSA distribution business) — no revenue overlap, clean cap table
- Specific investment amount and equity percentage are open for discussion based on the candidate's capital and operating contribution
## Founder Background
~25 years of experience in banking, now building Samriddhi full-time alongside a related DSA distribution venture — bringing deep relationships across banks and NBFCs directly relevant to Samriddhi's integration and distribution strategy.
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*Interested candidates: this is a founding-stage conversation — equity split, capital amount, and role definition will be worked out directly with the right person.*
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