Pullak Gupta-10 Best Tech Leaders in India 2026

A Problem-Solving Leader Shaping Scalable Digital Transformation

Pullak Gupta

COO

TWU Inc. & Helixtech Asset Management

A Problem-Solving Leader Shaping Scalable Digital Transformation

Pullak Gupta

COO

TWU Inc. & Helixtech Asset Management

Transitioning from the structured world of banking to the fast-evolving EV finance sector proved to be a defining moment in Pullak Gupta’s leadership journey. While banking equipped him with a strong foundation in risk management, governance, and customer-centricity, EV finance demanded a more agile and innovation-driven mindset. The experience taught him that succeeding in a new industry requires not only learning new skills but also challenging long-held assumptions and embracing change.  

Talking exclusively with TradeFlock, Pullak shares how this transition reshaped his perspective on leadership, adaptability, and business transformation. It reinforced the importance of balancing discipline with flexibility and strategic thinking with rapid execution. These lessons continue to guide his approach to solving complex business challenges across industries.  

Today, as COO of Three Wheels United Inc., Helixtech Asset Management and Delta Corp Holdings, Pullak applies this unique blend of structure and agility to drive innovation, build scalable solutions, and foster sustainable growth, placing technology and adaptability at the core of organisational success.

How has your multidisciplinary background shaped your leadership approach? 

My diverse background in mathematics, law, business, and supply chain management has significantly shaped my leadership approach. Each discipline contributes a unique perspective. Mathematics helps me analyse complex problems, law provides a framework for navigating uncertainty, business sharpens strategic decision-making, and supply chain management offers a systems-level view of operations.

Together, they have made me more agile, improved my ability to connect the dots, and enabled me to lead with greater clarity, balance, and a strong focus on delivering results.

Tell us about a difficult contract negotiation and the strategy that helped you succeed. 

One of my toughest technology negotiations involved a vendor providing a critical automation platform processing millions of transactions. While essential, the pricing was significantly higher than sustainable levels. Instead of focusing only on cost, I built a working prototype to demonstrate customer impact and our ability to build in-house. This shifted the negotiation, and after months of discussions, the vendor aligned with our target pricing, resulting in significant savings. 

The experience reinforced a core principle: technology negotiations are not about the lowest price but the right price, along with a strong focus on SLAs, compliance, data privacy, and scalability. This approach also guided my work in EV finance, where we developed digital repayment systems and an in-house CRM for auto-rickshaw drivers. Across both, success came from understanding users, building trust, and creating scalable solutions that deliver long-term value.

Can you share a defining operational challenge from your career and how you overcame it? 

Driving financial inclusion between 2004 and 2010 was one of the toughest operational challenges of my career. Millions in India’s tier-3 and tier-4 regions remained outside formal banking, relying on manual, error-prone processes. Payment infrastructure depended on electricity, internet connectivity, and costly card terminals, limiting access for small merchants. To address this, we shifted transactions to mobile-based platforms. 

Led by Anurag’s vision and the mCHEK platform, users could link bank cards to mobile phones and transact at local businesses. This expanded access, reduced fraud, and accelerated inclusion. The experience reinforced that operational excellence lies in solving real-world constraints while building scalable, future-ready solutions that can adapt and grow with evolving needs.

What opportunities did you see in digital banking before it became mainstream, and how did you stay ahead of the transformation?  

I saw an early opportunity to extend banking services to millions of unbanked Indians before digital banking became mainstream. My focus was on bottom-of-the-pyramid customers who had never been part of the formal financial system. By understanding their needs and building trust in technology, we made financial services more accessible, affordable, and simple to use. I helped enable the shift from keypad phones to smartphones, allowing users to manage banking and payments independently.

What kept me ahead was a blend of technology expertise, customer empathy, and hands-on user insight. A major influence was my CEO and founder, Anurag, whose commitment to financial inclusion was inspiring. His work in delivering biometric banking in underserved areas even at scorching 45°C reinforced my belief that technology must solve real problems and improve lives, guiding our efforts across India.

What lessons on scaling technology did you take away from your time at Jio Payments Bank? 

Jio Payments Bank’s expansion was a gamechanger. Being part of a large-scale build-out taught me critical lessons in execution, scalability, and resilience. We were building systems from the ground up while managing rapid growth, which reinforced the importance of balancing speed with reliability. It highlighted the need for a strong technology foundation that can scale seamlessly, adapt to regulatory changes, and consistently deliver strong customer experiences. 

The journey also reinforced the value of agility, helping me to make informed decisions quickly, learn from real-world feedback, and continuously refining solutions. Working with visionary leaders was equally impactful. Their mentorship and collaborative approach shaped my thinking on innovation and execution. 

Today, these lessons guide how I lead technology initiatives. I focus on building scalable, customer-centric, and future-ready solutions that enable organisations to grow without compromising quality, compliance, or operational excellence. Sustainable growth comes from balancing speed, reliability, and customer needs. 