Chandresh Pancholi

Chandresh Pancholi is the Founder of Rivo India — a platform building India's first AI financial companion to help people spend smarter, save better, and borrow cheaper. He brings over a decade of deep experience leading engineering and product teams at the forefront of Indian fintech.

Before Rivo, Chandresh served as Head of Engineering and Product at POP UPI, where he helped shape one of India's emerging UPI-native finance products. Prior to that, he was Director of Engineering at Navi Technologies, Sachin Bansal's fintech venture that scaled lending and insurance products to millions of Indians.

His engineering foundation comes from BITS Pilani, where he earned a Master of Science — one of India's most prestigious technical institutions.

At Rivo, Chandresh writes about personal finance topics that matter most to everyday Indians: managing salaries, building emergency funds, understanding loans, and making money work harder. Every post is grounded in real data from RBI, SEBI, and MOSPI, and is designed to turn complex financial concepts into practical, actionable steps.