Sunil Kulkarni got associated with Fincare in August 2020. Sunil is a freelance Fintech Professional providing advisory services in Fintech & Payments space. He has over 34 years of cross-industry experience in technology-led businesses. In his last assignment, he was the Joint Managing Director for Oxigen Services, a company he helped build over 15 years. At Oxigen, his focus was on revenue growth from multiple streams such as IOCL, CSCs, Loyalty, Smart Cities as well as strategic alliances, Investor relations, M&A.

Sunil is referred to as the techno-savvy brain behind developing a successful business model, using technology, for varied services & products, including the Oxigen Mobile Wallet, an innovative payment mechanism and prepaid wallet, accessible online/on-mobile. He successfully led the company's Business Development and was also the architect for the technology solutions in the initial phase. He, alongside the Oxigen core team, converted Oxigen from a Recharges/BillPay company, to an integrated Branchless Banking & Payment Solutions company. He is also responsible for taking the company to its next greenfield opportunity in Domestic & International Remittances, Merchant Payments, Aadhaar enabled payments and Loyalty.

He is founding member & Director on board of Business Correspondent Federation of India (BCFI). He also co-chaired the Prepaid Payments Instruments (PPI) Committee in the Payments Council of India (PCI) and through his interactions with government and regulator, made an immense contribution to creating an enabling environment for the PPI industry.

Prior to joining Oxigen, Sunil served as General Manager - Marketing & Business Development in Motorola India Wireless Infrastructure business. He looked after Business Development, Business Strategy and Product Marketing functions for GSM & CDMA wireless technologies. He started his professional journey with Siemens Ltd., where he last served as the Head of Semi-Conductor Division.

Sunil is an Engineering Graduate in Electronics & Communication with Gold medal in 1986 from Jodhpur and completed his Management Education from Indian Institute of Management, Ahmedabad.