Headquartered in Noida, GenZCFO is a new-age advisory firm that combines deep regulatory expertise with virtual CFO services to help startups, fintechs, and NBFCs launch, comply, scale, and eventually exit — all while keeping costs startup-friendly.
Founded by CA Manish Mishra and co-founded by Manoj Singh, the firm has quickly become synonymous with speed, transparency, and RBI-first execution in India’s complex financial services landscape.
Leadership Duo Driving the Vision
CA Manish Mishra – Founder & CEO
A prolific Chartered Accountant, author of the bestselling book साहूकारी to Digital Lending, and host of the popular podcast Beyond The Balance Sheet, Manish Mishra is widely regarded as one of India’s sharpest voices on fintech regulations and startup finance. His thought-leadership sessions at MSME Bharat Summit 2025 and regular columns in The Asian Talks and Global Entrepreneurs have made him a go-to mentor for young founders navigating fundraising and RBI compliance.
Manoj Singh – Co-Founder & COO
Manoj Singh brings operational rigor and execution excellence to the table. With extensive experience in scaling financial operations and managing end-to-end RBI compliance workflows, he oversees client delivery, technology integrations, and the firm’s rapid-response “SOS CFO” service. Together, Manish and Manoj form a rare founder-COO combination that blends visionary strategy with flawless ground-level execution.
Core Services Built for Fintechs & NBFCs
GenZCFO operates as a one-stop regulatory and financial command centre, offering:
1. NBFC & Fintech Registrations
• Full-cycle RBI NBFC license applications (Base Layer, Middle Layer, NBFC-P2P, NBFC-ICC)
• Payment Aggregator, Prepaid Payment Instrument (PPI), and Account Aggregator authorizations
• Company/LLP incorporation with RBI-ready structuring from Day 1
2. Digital Lending Compliance Framework
• Implementation of RBI’s 2022 Digital Lending Guidelines (KFS, APR disclosure, LSP agreements, fund-flow segregation)
• Co-lending and First Loss Default Guarantee (FLDG) structuring
• Quarterly reporting automation via RBI’s new Digital Lending Reporting Portal (2025 mandate)
3. Virtual & SOS CFO Services
• Cloud accounting setup and real-time dashboards
• Financial modelling, valuations by IBBI-registered valuers, and SEBI Category-1 merchant banking support
• 48-hour “SOS CFO” deployment for cash-flow crises or sudden regulatory audits
4. Funding & Capital Markets Advisory
• Pitch deck and data room preparation for angel, VC, and debt raises
• SME IPO and mainboard IPO readiness for NBFCs and growing fintechs
• NBFC takeovers, mergers, and share transfer compliance
5. Ongoing Regulatory Compliance
• All RBI statutory returns (NBS-1 to NBS-9, ALM, CRILC, CKYC)
• Scale-Based Regulation (SBR) readiness and Upper Layer preparedness
• DPDP Act 2023 and cybersecurity framework implementation
Flagship Innovations
• GenZPe (launched October 2024): A personal credit management and financial wellness platform designed specifically for Gen Z users.
• SOS CFO Service (2025): Deploy an experienced CFO within 48 hours during funding rounds, audits, or regulatory emergencies.
Industry Recognition
On 30 April 2025, GenZCFO was awarded “Best FinTech & NBFC Advisor of the Year” at the prestigious Viksit Bharat Awards organised by Times Applaud — a testament to its growing influence in shaping India’s next-generation financial institutions.
The Road Ahead
With India’s digital lending market racing toward $1.3 trillion by 2030 and RBI’s Scale-Based Regulation framework pushing NBFCs toward higher governance standards, GenZCFO is expanding its AI-powered compliance suite and deepening partnerships with leading lending-as-a-service platforms.
For Gen Z and millennial founders who believe finance should fuel ambition — not hinder it — GenZCFO remains the partner that turns regulatory complexity into a competitive advantage.
Website: https://genzcfo.com Contact: +91-93113 47006 | hello@genzcfo.com
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