Founder & Principal Advisor, AND Fintech
Bridging 15+ years of institutional financial engineering at Citi India, ICICI Lombard and Bharti AXA with data-driven wealth advisory for India's HNI and retail investors.
With over 15 years of corporate leadership spanning premier financial institutions — including Citi India, ICICI Lombard, and Bharti AXA — Dwipa Shah brings institutional-grade rigor to the retail and HNI wealth management ecosystem. Recognising a critical gap between complex financial engineering and accessible retail execution, she founded AND Fintech to bridge the divide through data, science, and disciplined asset allocation.
Dwipa's technical expertise is backed by industry-standard wealth and insurance certifications, including comprehensive credentials from the Insurance Institute of India (Associate, Licentiate, and Principal Officer) and professional NISM certifications across Mutual Funds, Portfolio Management Services, Alternative Investment Funds, and Specialised Investment Funds (SIF).
A recognised voice in modern personal finance, her expert commentary and insights on wealth creation, debt optimisation, and smart investing have been featured prominently in leading mainstream publications like Business Today / Money Today. Under her leadership, AND Fintech combines a decade-and-a-half of corporate mastery with cutting-edge digital infrastructure — delivering goal-oriented wealth strategies designed for discerning Indian investors.
Dwipa holds all four NISM certifications required to distribute the full spectrum of regulated investment products in India. She is among fewer than 600 distributors nationwide who have cleared the NISM Series XIII examination — SEBI's mandatory qualification for Specialised Investment Fund distribution.
Complementing her securities-market credentials, Dwipa has completed the full professional certification track of the Insurance Institute of India — the country's apex professional body for insurance education, established in 1955.
Expert commentary on wealth creation, debt optimisation and smart investing — published in leading Indian business media.
AND Fintech is an AMFI-registered Mutual Fund Distributor and an authorised distributor of Portfolio Management Services, Alternative Investment Funds, and Specialised Investment Funds. Serving HNI and NRI clients across India, with headquarters in Thane, Maharashtra.
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