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ZorFinotech About

Transforming Banking, Insurance & Sustainable Finance Through Artificial Intelligence

An India–Bhutan FDI Collaboration Built on Innovation, Trust and Shared Growth

Zor Finotech is a next-generation AI-driven financial technology company established through an India–Bhutan collaboration, bringing together deep domain expertise, technology excellence, and regional understanding to create intelligent solutions for financial institutions.

We believe technology becomes powerful when it is built with purpose. Our vision is to create a connected financial ecosystem where banks, insurance companies, cooperative institutions, and sustainable finance organizations can operate faster, smarter, and with greater confidence.

At Zor Finotech, we are not just a technology provider we work as an extended family with our customers, combining innovation, partnership, and long-term commitment to deliver measurable business outcomes.

Our Vision

A trusted global financial technology partner

To become a trusted global financial technology partner by enabling institutions to make intelligent decisions through Artificial Intelligence, automation, predictive analytics, and regulatory innovation.

Our Mission

Simplify complexity. Empower institutions.

To simplify complex financial operations and empower institutions with secure, scalable, and future-ready digital platforms.

CORE VALUES

Innovation First

Trust & Integrity

Customer Centricity

Excellence in
Execution

Security &
Compliance

Continuous
Learning

Our Story

ZorFinotech was built to turn challenges into milestones, not as individuals walking alone, but as one family standing forever. We bridge the gap between digital brilliance and human connection, building an ecosystem where innovation meets deep-rooted trust.

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MEET THE TEAM

Hari Krishna Chimorya

Founder, Chairman & CEO

"Financial institutions deserve technology that is intelligent, agile, and future-ready."

With 17+ years of international experience spanning fintech, insurance platforms, and enterprise digital transformation, Hari founded ZorFinotech with a clear mission to empower banks, insurers, and financial organisations with innovative digital solutions that drive growth, strengthen governance, and create lasting value. He leads the strategic vision and overall direction of the Zor Group, bringing together deep industry knowledge and entrepreneurial leadership to shape the future of financial services technology.

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Shobha Thakur

Head of Business Development, Solutions &  Implementation

"Aligning business, risk, compliance, finance, and technology teams around a single source of truth."

​

A seasoned banking and fintech professional with 17+ years of experience, Shobha holds a dual academic background in Computer Applications (MCA) and Economics. She leads end-to-end client engagements at ZorFinotech from solution consulting and business requirement analysis to implementation management and post-production support. Her strength lies in bridging the gap between business strategy and technology execution, ensuring complex regulatory and risk programs are delivered on time and within scope across multiple geographies.

  • IFRS 9 / ECL

  • Basel Frameworks

  • Asset Liability Management

  • Regulatory Reporting

  • Credit Risk Management

  • ESG & Sustainability Reporting

  • Loan Origination & LMS

  • Data Warehousing & BI

  • AI Risk & Compliance

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Amit Katoch

Database & Infrastructure Specialist

"Delivering resilient, secure, and high-performing data ecosystems that enable business continuity and scalable growth."

Amit manages the enterprise data platforms and critical technology infrastructure that ZorFinotech's solutions are built on. With extensive experience in database administration, infrastructure management, and enterprise technology operations, he ensures systems remain stable, secure, and high-performing at all times. His work spans database architecture, performance optimisation, disaster recovery planning, cloud migration, and production environment management providing the reliable foundations that keep client operations running without interruption.

  • Enterprise DB Administration

  • High Availability & DR

  • Infrastructure Monitoring

  • Cloud Migration

  • Database Security & Governance

  • Capacity Planning

  • Performance Optimisation

  • Enterprise Application Support

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Basant Neupane

Chief Solutions Architect

"Exceptional architecture transforms complexity into clarity, and data into insight."

A University of Delhi graduate with 9+ years of experience in enterprise architecture, cloud-native development, data engineering, and advanced analytics, Basant leads the design and delivery of ZorFinotech's technology solutions. He defines architectural standards, guides platform development, and ensures every solution is built for scalability, security, and long-term value. His ability to translate complex business and regulatory requirements into practical, future-ready systems makes him central to ZorFinotech's solution delivery across banking, risk, and AI-driven decision intelligence.

  • Enterprise Solution Architecture

  • Cloud-Native Engineering

  • Data Engineering & Warehousing

  • AI & Advanced Analytics

  • BI & Data Visualisation

  • Platform Modernisation

  • API & System Integration

  • Real-Time Data Processing

  • Technology Strategy

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Pema Yangden

Business Development Associate

"Building strong relationships and meaningful connections are at the heart of every successful business partnership."

A BCom graduate from Royal Thimphu College with a background in administration and financial operations, Pema plays a key role in ZorFinotech's growth initiatives. She works closely with prospective clients, business partners, and internal teams to identify new opportunities, coordinate client engagement activities, support proposal development, and nurture long-term relationships. Her combination of business acumen, strong communication skills, and organisational discipline ensures a seamless, professional experience throughout the client journey — from first interaction to active partnership.

  • Business Development

  • Client Relationship Management

  • Sales & Lead Coordination

  • Proposal & Documentation Management

  • Market Research

  • Stakeholder Coordination

  • Strategic Partnership Support

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Jigme Ngawang Nguldrup

Machine Learning & AI Specialist

"Harnessing AI and machine learning to transform data into actionable intelligence and automate complex processes."

Jigme specialises in designing, developing, and deploying intelligent AI systems across the full solution lifecycle — from data preparation and model development through to production deployment, monitoring, and continuous optimisation. At ZorFinotech, he drives AI innovation across banking, risk management, regulatory compliance, and enterprise automation, working closely with architects and business analysts to turn complex requirements into scalable, production-ready applications. He brings hands-on expertise in machine learning, generative AI, NLP, intelligent document processing, and predictive analytics, with a strong focus on building systems that deliver real, measurable business value.

  • Machine Learning & Predictive Analytics

  • Generative AI & LLMs

  • Natural Language Processing

  • Intelligent Automation

  • Deep Learning & Neural Networks

  • Intelligent Document Processing

  • AI-Powered App Development

  • Enterprise AI Integration

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