About
Sowmya Rao was a securitization lawyer at Clifford Chance before moving into regulatory and strategy advisory roles with India's Finance Ministry, Google, and Uber. She founded Swifter (YCW20), which built ACH APIs for cannabis commerce and was acquired by Treez, where she served as Director of Payments.
Sowmya @sowmyarao_
we... used to be friends and talk on twitter years ago - same basha?
Jul 29, 2026
Sowmya @sowmyarao_
The dog in my header pic (random cutie on a random street in Delhi) is probably dead due to happy old age. Random train wreck of a thought that came out of nowhere and
Jul 16, 2026 · ♥ 7
Sowmya @sowmyarao_
Eating at a regular cafe in Koramangala and our server is an ex AI company employee ! https://t.co/ZSatb8kWXL
Jul 3, 2026 · ♥ 12
Founder at Pay SwifterYC W20
Intro paths
Sowmya went through Y Combinator (Winter 2020) — any YC alum in your network can reach them through the YC community.
In turn, Sowmya can intro founders to Pay Swifter's investors below.
Pay Swifter's investors · 1
Experience
- AumneeVP - Head of Productcurrent2025 — presentBangalore Urban, Karnataka, India
- OppDoor part of Binny Bansal's Three State VenturesAI Regtech / Fintech - Consulting2024 — 2025Bengaluru, Karnataka, India
- Treez Inc.Director, ACH Payments2022 — 2024
- Swifter (Acquired by Treez, Inc in 2022)Founder, CEO2019 — 2023Bengaluru, Karnataka, India
- GIGI BENEFITSCo-Founder, CEO2019 — 2021Bangalore Urban, Karnataka, India
- Y CombinatorY Combinator Winter 2020 Batch2020San Francisco, California, United States
- UberHead Public Policy/Policy Strategy - South & SL2017 — 2019Bengaluru Area, India
- GoogleCounsel, Public Policy & Strategic Policy2016 — 2017Gurgaon, India
- National Institute of Public Finance and Policy, New DelhiConsultant2012 — 2013New Delhi Area, India
- Clifford Chance LLP (London and Singapore)Lawyer (India) / Solicitor (UK)2010 — 2012London, United Kingdom; Singapore
- Luthra & Luthra Law OfficesLawyer2010New Delhi Area, India
- Ministry of External Affairs, Government of IndiaIntern2006New Delhi
Education
- Y CombinatorEntrepreneurship/Entrepreneurial Studies2020
- National Academy of Legal Studies & Research (NALSAR) University HyderabadB.A.,LL.B (Hons.), Law2004 — 2009
- Good Shepherd Matriculation Higher Secondary School1990 — 2004
Skills & more
+12 more
Legislative PolicyRegulatory AffairsPublic PolicyLegal AdviceForeign InvestmentInternational LawStructured FinanceInternational ArbitrationLoan Management System (LMS)Financial ServicesGovTechCitizen TechLanguages English · Hindi · Kannada · Tamil
- Solicitor - England and Wales — United Latino Students Association
From Sowmya's professional profile.
Same school
Also attended Y Combinator1,463
+ 1,457 more
Also attended National Academy of Legal Studies & Research (NALSAR) University Hyderabad1
Shared employers
Also worked at Y Combinator151
+ 145 more
Also worked at Uber251
+ 245 more
Also worked at Google1,078
+ 1,072 more
Also worked at Clifford Chance LLP (London and Singapore)27
+ 21 more