About Us


FlexSalary is a branded loan product of Vivifi India Finance Private Limited, a non-banking finance company (NBFC) registered with the Reserve Bank of India (RBI)*.

Vivifi India Finance Pvt Ltd was registered on July 9, 2016 to address the lack of lending products for India's large & ever-growing deserving but underserved consumers. Vivifi was set-up with the primary objective of doing business as a non-banking finance company (NBFC) in unsecured retail consumer lending segment and has obtained the Certificate of Registration as an NBFC-non-deposit taking Loan Company on March 31, 2017.

Founded by technocrats and career bankers having a collective experience of over 75 years in secured & unsecured retail lending, Vivifi deals with customers across the credit spectrum. The dream is to offer a variety of convenient, easily-accessible financial and loan services in a safe, efficient and professional environment to all desiring customers without any prejudices or biases based only on the customer's ability to repay.

The company operates a personal line of credit under the brand FlexSalary and proposes to offer personal loans under the brand LoanGranted.

The core of all operations is driven by Vivifi's proprietary state-of-the-art AI driven loan management system LENDEZ.AI.

Our Team

A quick brief of the people who make this happen.

The founders have experience in short-term, long-term, unsecured & secured loans to salaried & self-employed individuals. The founders had previously established highly sought-after loan products leveraging their collective expertise in Data Analytics, Portfolio Management, Portfolio Reporting, Digital Marketing and financial technology development using a variety of web technologies available. A quick bio of each of our founders follows.

Anil Pinapala

Anil Pinapala, Chief Executive Officer [[email protected]]

Anil Pinapala is a serial entrepreneur in the Technology based Digital Lending space. He is the Founder and Chief Executive Officer (CEO) of VIVIFI India Finance Private Limited (VIVIFI).

  • Anil is a thought leader in the small-dollar lending space in the USA and is credited with architecting, and implementing the industry's first cloud-based SaaS LMS which has been operating since 2002 and grew it into an Industry leader within a span of 5 years with adoption from the Industry's top 5 for their brick & mortar as well as digital lending needs.
  • In 2013, Anil founded TekFriday Solutions in Miami with an office in Hyderabad that specializes in Lending Portfolio Management in digital sub-prime lending in USA. In the last 3 years, TekFriday has disbursed over USD 600 MM to over 2 lakh customers and collected payments exceeding a Billion US Dollars with its 250-member team spread across Technology, Data Science and Back-Office Transaction Processing.
  • In August 2017, Anil founded VIVIFI India Finance, a FinTech NBFC that offers Innovative Financial Products to customers across the Credit Spectrum with focus on the Under-Served / Unserved Customers. VIVIFI's flagship product, FlexSalary is an emergency line of credit that provides unsecured personal loans to prime and non-prime salaried class individuals. FlexSalary has been received very well in the last 12 months of its commercial operations with over 20,000 active accounts and operating across the geography of India.

Anil plays a key role in setting the overall vision and strategy while focusing on the areas of Credit Risk and Underwriting. A graduate in Chemical Engineering and a post-graduate from IIFT (Indian Institute of Foreign Trade, New Delhi) Anil is an avid reader and a sports enthusiast.

Srinath Kompella

Srinath Kompella, Chief Operations Officer [[email protected]]

Srinath co-founded Vivifi and heads operations at Vivifi. With over 15 years of rich experience in analytics, process improvement and operations, he believes customer satisfaction to be the key metric of every supporting process. Prior to Vivifi, he was the head of operations at public & private companies in India.

Patrick Kishore

Patrick Kishore, Chairman [[email protected]]

A banking veteran, Patrick Kishore worked for 37 years as a full-time employee of State Bank of India in various capacities managing credit policies & banking technologies before retiring as the Chief Information Security Officer of SBI group. He later served as the Chief Operating Officer of IDRBT to manage the operations of NEFT & RTGS platforms before joining Vivifi.