About the founder
Umesh Sharma
Founder of The Time FinTech. More than seventeen years across audit, corporate finance, credit risk and finance automation at global scale, and the person who leads every engagement.
- Chartered AccountantInstitute of Chartered Accountants of India
- CFA CharterholderCFA Institute
- MSc in International Accounting, Analytics with Big DataFirst class honours
- 17+ yearsin finance and technology since 2009
Why The Time FinTech was started
The language of wealth and time is universal.
Umesh grew up at the bottom of the economic ladder in India and went on to work in New York, Zurich, London, Madrid, Rome, Paris, Geneva, Amsterdam, Vienna and Edinburgh. One lesson held everywhere: the language of wealth and time is universal. The future of a business, a family or a country is decided by how, why, when and where it invests its time and its money.
The Time FinTech was founded to bring that discipline to businesses of every size. The sophistication in financial modelling, analytics, risk management and project financing that large institutions take for granted should be available to an owner-managed business, a start-up or a mid-market fund, and it should come with the tools to act on it.
The purpose is practical. Whether a business is growing, mature or under pressure, its owners should be able to strengthen their financial position, raise capital from investors and lenders on fair terms, and keep contributing to growth, employment and the mission they set out with.
Experience
Every side of the numbers.
Auditing them, building the models that price deals, managing credit risk, and then automating finance operations at global scale.
- 2009 – 2013
Family dairy business, India
Daily operations, supplier negotiations and door-to-door sales. An early education in customer service, logistics and small-business finance.
- 2011 – 2016
Deloitte and Grant Thornton
US GAAP and IFRS assurance, accounting advisory, internal audit and risk management.
Why it matters: everything we build is designed to survive an audit. - 2016 – 2018
PwC
Refinancing, fund raising, start-up advisory, due diligence, business and options valuation, anti-money-laundering compliance.
Why it matters: we know what a deal team and an investor need, and when. - 2018 – 2021
BDO Ireland
Corporate finance, credit risk modelling, restructuring, sector analysis, financial modelling and derivatives valuation.
Why it matters: direct experience of credit and distressed situations. - 2021 – 2024
Meta Platforms Ireland
Credit risk management, process optimisation and financial reporting automation. Global Process Owner for outsourced operations scaled with Accenture.
Why it matters: automation and finance transformation designed and run at global scale. - 2024 – present
The Time FinTech
Technology and corporate finance advisory for businesses and funds, and the in-house product Model My Wealth.
The team behind the work.
Umesh is the face of the business. Behind him is a small team with more than fifty years of combined experience across banking, finance and technology.
Banking and credit
Lending, credit risk, restructuring and recovery, from the lender's side of the table.
Finance and accounting
Chartered and management accountants with Big Four, mid-tier and in-house experience.
Technology and automation
Engineers and process specialists who have built and run automation at scale.
How we work.
Three principles that shape every engagement.
People stay in control
Agents and automations prepare, check and flag. Qualified people review and sign off. Nothing reaches an investor or a lender unreviewed.
Every figure traceable
Outputs link back to their source documents and calculations, so work stands up to audit, lender and investor scrutiny.
Your data, your environment
We can build inside your own cloud and tools, and work to your information security requirements.
Start with one conversation.
Tell us what you are trying to fund, fix, value or automate. In a 30-minute call we'll tell you honestly what we can do, roughly what it involves, and what a first step would look like.