Our Innovations

Who we are

Engineering Financial Services

It is a shocking reality!

Nearly half of the world’s population are living paycheck to paycheck. To make matters worse, banks and credit card companies have dramatically reduced credit options for consumers with lower credit scores. As a result, millions of people in developed nations utilize non-bank credit products such as payday and pawn loans. Consumers require better financial products that meet their needs in a convenient, affordable, and transparent manner.

HFCI plays a key supporting role in powering the technology, analytics and services providing the next generation of solutions to serve these underbanked consumers.

Est. 1997, HFCI brings knowledge in consumer insights, data analytics, and technology-driven solutions to benefit the urban youth and consumers who bank in a continually innovating market.

Our Culture

Why HFCI is above the rest?

Keep it casual

We believe employees are most productive when they are comfortable. Whether you are in a three piece suit or Jeans - that's just fine. Reflecting the culture around us is paramount.

We survive on collaboration

When you visit us you'll notice we love working with innovators. That's because we know the best ideas stem from solving problems together. Everyone brings their own perspective, and that's applauded.

Our values

Be Ethical

Doing the right thing is not optional (even when no one is watching). We respect each other to the highest standards and earn our reputation every day.


Aim for Excellence

Excellence isn't a skill, it's a habit. Owning it means taking the initiative and responsibility to ensure you and others deliver the best possible experience to our customers. Its about being accountable for your work and investing the time and effort to do it right the first time.


Outside the Box

We are the innovator in our industry. Ideas, both big and small, are our competitive advantage. All of us share a responsibility to learn outside the box, disrupt the status quo, and embrace change.


Team Together

Our challenges are too big to achieve as individuals. Collaboration isn't an option at our work, it is our primary focus.

Our Team

Namrata Amin, Founder & Executive Director

Namrata Amin has more than 20 years of experience in the financial services industry with the majority of her time spent in the consumer finance sector. In her role as Executive Director, Namrata is dedicated to ensuring that HFCI helps its customers offer the highest quality, most innovative products.

Before her role at HFCI, Namrata held executive business and compliance roles at Commerz Bank. Namrata graduated with honors from London School of Economics and she has also attended Executive programs at the Harvard Business School.

When not at work, Namrata enjoys traveling with her two teenagers and going for long walks.

Join us


HFCI works hard to provide the technology that allows us to provide responsible financial products to underserved consumers. HFCI works hard to offer critical emergency cash solutions to the underbanked community with industry leading products, responsible lending practices, and transparent policies.

We challenge ourselves to think big by serving the smallest. So if you you have what it takes explore new ideas, then this is the company for you. We enjoy making the office a fun and collaborative place to work. Read more about our culture

Send your resume to banglore@hfci.in

Get in touch

HFCI is a growing company with corporate offices in two of the nation's leading cities for careers and lifestyle.

405 Gamma, Sigma Tech Park,
Whitefield Main Road, Ramanagondanhalli,
Bangalore 560066
305 Lotus Chamber, Nalwa Street,
Karol Bagh, Delhi 110005