Anup Agrawal

Co-Founder

Bengaluru, Karnataka, India18 yrs experience

Most Likely To SwitchHighly Stable

Key Highlights

Co-founder of a fintech startup enabling credit access.
Led P&L and growth at LazyPay.
Expert in risk management and product strategy.

Stackforce AI infers this person is a Fintech expert with a focus on product management and risk strategy.

Contact

Skills

Core Skills

Product ManagementStrategyP&l ManagementRisk ManagementPartnership ManagementDigital PaymentsLendingCredit StrategyBusiness Analysis

Other Skills

AnalyticsBankingBusiness AnalyticsCross-functional Team LeadershipCross-sell ProductsData AnalysisData-driven Decision MakingGTM StrategyInvestment BankingLending against SecuritiesManagementStakeholder CoordinationStrategy Formulation

About

I am a co-founder at Kiwi, a fintech start-up that is working to enable 100 million users to get credit cards in India. I have a passion for creating innovative and inclusive solutions that empower consumers and businesses. As a co-founder, I leverage my expertise in data driven strategy, product management to drive the growth and expansion of Kiwi. Prior to Kiwi, I was the business head of LazyPay, a leading buy now pay later platform in India, where I owned the P&L and growth numbers for the overall business. I also have experience in unsecured and secured lending, risk management, and pricing strategy from my previous roles at InCred Financial Services and other organizations. I am a PGDBM in finance and marketing from Management Development Institute and a CFA Level II candidate.

Experience

Kiwi

Co-Founder

Dec 2022 – Present · 3 yrs 3 mos · Greater Bengaluru Area · On-site

We are working to enable 100Mn users to get Credit Card in India.

Business AnalysisProduct ManagementStrategyBusiness Analytics

Lazypay

Business Head LazyPay

Apr 2020 – Dec 2022 · 2 yrs 8 mos · Mumbai, Maharashtra, India

Own the P&L and growth numbers for overall LazyPay Business. I oversee key functions directly or matrix (Strategy, Product, Partnership, Marketing, Ops, Analytics, Care etc.) and have the responsibility to ensure smooth Business operation.

P&L ManagementStrategyProduct ManagementPartnership ManagementAnalytics

Incred financial services

Head of Partnerships & Risk Strategy

Jul 2019 – Apr 2020 · 9 mos · Mumbai Metropolitan Region

Owner of On-balance sheet Lending Business driven through Partnerships. I used to also drive data based decision making for the consumer business for Incred (Risk primarily)

Partnership ManagementRisk ManagementData-driven Decision Making

Jio financial services

Product – Jio Financial Services

Jan 2016 – Jul 2019 · 3 yrs 6 mos · Mumbai Area, India

JFS includes JioMoney wallet & Jio Payments Bank. JioMoney app is one of the fastest growing digital wallet players in India (> 10 Mio app downloads) with the vision to create a ubiquitous, secure and simple payment ecosystem for customer and merchants. Within JFS we are also building Digital Payment Bank (restricted retail bank – special classification made by Reserve Bank of India) which would allow customer to on-board and transact digitally.
Leading a team of product managers to deliver the GTM strategy along with execution & core proposition for Digital Payments - Jio Financial Services. Also, responsible for building and driving business of key cross-sell products (Financial Investments & Digital Gold).
During this stint, delivered on key projects 1) Building digital On-boarding experience for payments bank 2) Payments & Inter-bank transfers through Payments Bank account 3) Instant Reward platform for coupons and loyalty points.

Product ManagementDigital PaymentsGTM StrategyCross-sell Products

Standard chartered bank

2 roles

Lead Product Manager - Lending against Securities

Nov 2013 – Dec 2015 · 2 yrs 1 mo · Mumbai Metropolitan Region

Responsible for managing Lending against Capital Market Securities for Private Banking and Retail Client. Responsible for end to end product management which includes ensuring smooth product delivery by coordinating with various stakeholders (Credit, Technology, Operations, Sales, Finance, Legal Compliance etc.), achieving budgeted numbers, managing sales incentive plan, internal product marketing, client communications.

Product ManagementLending against SecuritiesStakeholder CoordinationLending

Credit Strategy & Analytics - Credit Cards

Sep 2011 – Nov 2013 · 2 yrs 2 mos · Mumbai Metropolitan Region

Risk management - Credit Cards: Managing multi-channel (Online, Direct Sales, Co-Origination, Cross Sell) Credit Cards acquisition strategy. Played a key role in growing the India credit card portfolio by 40% in 2 years without compromising on risk. Worked with cross-functional teams to deliver on profitability, enhancing risk management controls & systems.
Credit lead in Barclays Credit Card buyout by Stanc. Responsible for turning around the Barclays credit cards portfolio; reduced loss rates by more than 70% by blocking & Line decrease for 40% risky portfolio but simultaneously did balance build program on the rest.

Risk ManagementCredit StrategyAnalytics

Citigroup global decision management

Business Analyst

Mar 2009 – Sep 2011 · 2 yrs 6 mos · Bengaluru, Karnataka, India

Citigroup GDM helps formulate strategy through analytical insights across geographies. Responsible for working with onshore team in delivering data driven strategy for Private Label Cards Business. Some of the key projects were delivered in Pricing strategy.

Data AnalysisStrategy FormulationBusiness AnalysisStrategy