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Our Story
We are here to make people, brands & businesses across the world smile, squeal & celebrate in pure delight - we are Qwikcilver.
We set ourselves to revolutionize the gifting landscape with our future ready technology solutions and we have built ground up a state-of-the-art Stored Value Platform exclusively for managing gift cards for Merchants, Retailers and Brands. 
We are an ISO27001 certified company and have been granted the license to “Issue” Semi-Closed Loop Prepaid (SCLP) instruments by the Reserve Bank of India (RBI), the apex Financial Regulatory Authority in India. We conduct annual audits like CISA and VAPT (Vulnerability Assessment & Penetration testing) and ESCROW reporting on a quarterly basis. These audits are conducted by authorised agencies to ensure security of both Qwikcilver systems and client system.
Leadership Team
Kumar Sudarsan
CEO & Co-Founder
Kumar has about 22 years of IT-industry experience spanning various aspects of technology, project, product, general management and customer-relationship management. Kumar holds a Master’s Degree in Mathematics and a Bachelor’s Degree in Computer Science from Birla Institute of Technology & Science (BITS), Pilani, India.
Pratap TP
Chief Marketing Officer & Co-Founder
Pratap has over 22 years of experience in Strategic Marketing, Product Launch Initiatives, Media Campaign management and Public Relations. He has a passion for new media propositions and innovative ways of reaching out to consumers. Pratap has a Bachelors degree in Electronics & Electrical Engineering from BITS Pilani and an MBA from IIM Calcutta.
Shankar Balan
President – Core Business 
Shankar is a seasoned professional with over 23 years of experience across leading brands in the Hospitality and Retail business. He has come on board as a "key stake-holder" with Qwikcilver to drive strategic alliances, merchant/ brand partner acquisitions and help build and cement business relationships in the customer facing, consumer-led business space.
Thirumalesh Chigateri
Chief Product Officer
Thirumalesh has over 19 years of experience in software product engineering with experience in architecting solutions, managing teams, project management, customer interactions. Thirumalesh was instrumental in architecting and managing a robust, multi-threaded, multi-database, first of its kind Java based data integration product. As a data integration architect at Hyperion and then Oracle, successfully lead many key projects. Thirumalesh holds a Bachelors Degree in Electronics and Communication from KREC, Suratkal (NITK).
Sanjay Tambwekar
Chief Technology Officer
An IIT Bombay alumnus Tambwekar has previously worked with multiple MNC’s including giants like NetApp (Director of Networked engineering), Sasken Communications (Director of Engineering) and VeriFone to name some. His experience includes dealing with systems software, storage and telecommunication among others spread across multiple functions of engineering, management, sales and marketing.
Sadiq Ahamed
Chief Strategy Officer
An Entrepreneur and an Inventor (filed 4 US patents and 10 inventions) with around 10+ years of experience in multiple roles of Software Product Management in India and US. He currently drives Qwikcilver Product Portfolio and has a passion for following technology focussed start-ups.
Swarnendu Mukherjee
Vice President - Corporate Business
Swarnendu Mukherjee has over 20 years of rich and diverse experience with brands like Dell and the Taj Group of hotels; spanning across B2B Sales, Channel Sales & Distribution, New Business Creation, Process re-engineering, Six Sigma Quality and Process Management. He comes on board as the Head for Corporate Sales & Distribution Business.
Gyaneshwaran
Vice President
Gyan is a seasoned professional with over 25 years of experience across various industries and specialises in Retail solutions. He has extensive experience in implementing retail solutions across the globe for various retailers. He was Industry Leader for Retail at IBM before he joined Qwikcilver. He has come on board focusing on building alliance with the focus accounts and achieve excellence in Service Delivery.
Nirupama Kotikalapudi
Head HR
Nirupama has over 20 years of experience in Human Resource Management. Before joining Qwikcilver she was the Managing Partner at Thoughtweave for 8 years, a consulting firm that offers specialized services in designing and implementing a spectrum of talent management and talent development solutions to large and midsize enterprises. She has also worked with the Corporate HR teams at Reliance Industries, i-Flex Solutions and Philips Software handling responsibilities relating to people and leadership development. Nirupama holds a Master’s Degree specializing in HR from Symbiosis Centre For Management and HRD and is a Certified DiSC Trainer.
Goutam Somani
Director Finance
Goutam is a qualified and result oriented finance professional with more than 20 years of hands on experience across all domains of finance and compliances. With his expertise in handling teams, compliances, procurement, and internal processes, he drives the profitability of the company.  He has had a good working experience in the organised corporate sectors with Sistema Shyam (MTS), Reliance Communications (R. Com) and Dimension Data to name a few. Goutam is a Fellow Chartered Accountant (FCA) and DIRM with a Master’s Degree in Commerce.
Anand Kuppuswamy
Service Reliability Engineering
Anand is a distinctive leader with over 25 years of experience in growth strategy, product management and service delivery spanning technology firms like Verifone, HP and Celstream. Anand brings with him proven expertise and as a key member of the leadership team owns the Qwikcilver Service experience that includes infrastructure, business and technical support services. He is extremely passionate about the application of technology to transform businesses and human life for the better. Anand has a Bachelor's degree in Computer Science from BITS Pilani and an MBA from IIM Bangalore.
Dheeraj Chowdhry
Chief Business Officer, South East Asia
Dheeraj brings more than 20 years of experience in Consumer and Commercial banking industry, spanning Standard Chartered, ABN AMRO, Royal Bank of Scotland, ANZ Bank and American Express. He has deep exposure to engagements across Asset, Liabilities and Wealth products in Sales, Go-To-Market, Business Development, Product Marketing, Pricing, Decision & Risk Management, Operations, Strategy Planning and Digital Operations. In his last role as CEO of Funding Societies (a P2P digital lending SME platform), he led the digital strategy development, execution, and enablement to remain agile and nimble and deliver a digital customer journey.
Board of Directors & Advisors
G Padmanabhan
Strategic Advisor 
Mr. Padmanabhan has thirty six years of experience in the banking and payments sector including his term as the Executive Director of Reserve Bank of India. He has also served as the Regional Director and Head of the Department of Payment & Settlement Systems and Foreign Exchange Department. He was responsible for enabling many innovations in the Indian payment systems besides mandating measures which have contributed significantly in safety and security of transactions
Kumar Sudarsan
Co-Founder & Director
Kumar has about 22 years of IT-industry experience spanning various aspects of technology, project, product, general management and customer-relationship management.
Sameer Maheshwary
Director
Sameer Maheshwary has over two decades of experience in business leadership and senior finance roles. Before joining Pine Labs & Qwikcilver, he spent the majority of his career with GE. He has worked extensively in the areas of payments, retail and corporate lending, credit cards, equipment leasing, receivables financing and real estate financing. He also brings international experience ranging across Japan, USA and South East Asia.Sameer holds a bachelor's degree in engineering from Delhi College of Engineering and a Masters in Business Administration from Manchester Business School, UK.
White Paper 2020