The worldwide ‘funding winter’ has been a major factor in the decline of venture capital and an increase in overall financial uncertainty that has negatively impacted the Indian fintech and startup ecosystem deeply. The paper looks at how financial pressures, stress at the workplace, political maneuvering in organizations, and exodus of talented personnel are interlinked within the Indian fintech companies during such macroeconomic crises. Theories of Job Demands–Resources (JD–R), Organizational Politics, and Social Exchange provide the framework for this analysis, where funding winter is considered as an outside stressor that raises job demands and depletes employee resources. These increased demands lead to a larger number of employees feeling stressed due to organizational politics and thus lessening the trust among the staff resulting in eventual turnover. Uniquely, this study integrates macroeconomic shocks with micro-level behavioural and emotional responses in fintech contexts—a connection largely overlooked in prior research. The findings aim to enhance understanding of crisis management and human resource strategies to sustain workforce stability during prolonged funding downturns.