Nov 2024 – Jan 2025 · 2 mos · Dubai, United Arab Emirates · Hybrid

Jan 2024 – Jul 2024 · 6 mos · Amsterdam Area · Hybrid

• Last mile banking solutions (credit, investments, payments) for the Global Diaspora.

May 2023 – Dec 2023 · 7 mos · Goa, India · Hybrid

• Cardiac Rehab solution for consumers. Scaled to 300k downloads / 30k MAU.

Jan 2023 – Dec 2023 · 11 mos · Goa, India · Hybrid

• Health saving / payment solution for Cancer Treatment

Nov 2022 – Mar 2023 · 4 mos · Bangalore Urban, Karnataka, India · On-site

• Zero to One ($1.2m / month) for the Any Day Salary product

Mar 2020 – Oct 2021 · 1 yr 7 mos · Bengaluru, Karnataka

• PayUFinance, a $200m investment by Prosus, was built by merging Paysense and LazyPay. As the CPO, my role was to closely work with the cross-functional teams (business, fraud, risk, data science) to create a plan to drive revenue from $10m ARR to $30m ARR in 2yrs and set the foundation for $100 ARR in 4yrs.
• Built a 24 months product roadmap including revenue (Xpress Loans, LazyPay Credit Card and UPI on Credit) and P&L optimising experiments
• Led a team of 25 PMs and 5 UI / UX designers with quarterly feedback loops and merit based evaluation system

May 2018 – Mar 2020 · 1 yr 10 mos · Pune Area, India

• With +$280m disbursals and +9m app downloads, EarlySalary is one of the fastest growing consumer lending NBFCs in India. EarlySalary is using its proprietary ML algorithm to offer cash loans to salaried customers within minutes.
• Business: Launched ‘Financial Wellness / Earned Wage Access’ product, an employee benefits solution for corporates where employees can get salary advance, credit counselling, affordable payment plans for school, shopping, insurance and hospital expenses.
• Results: In the last 12 months, Financial Wellness product has increased reach to 500k corporate employees and is driving 20% of the new customers acquired on a monthly basis.
• o On-boarded 400+ corporates including Siemens, Apollo Munich, BlueDart, to offering our ‘Financial Wellness’ products

Sep 2014 – Apr 2018 · 3 yrs 7 mos · Mumbai Area, India

• Empowering 300MM+ consumers to make better choices by increasing their affordability during payments
• Funding / Exit: Raised $1.5m from a reputed VC fund; ran an thorough exit process receiving 4 acquisition offers and found exit via sale to EarlySalary

Dec 2012 – May 2014 · 1 yr 5 mos · Mumbai Area, India

• ZipDial is an innovative mobile marketing platform that helps CPG brands engage with 100% of the consumers. Marketing, Engagement & Analytics for the Next 3 Billion Consumers Proven 2 to 50 times higher ROI every campaign.
• Responsible for building relationship with: media heads (digital and traditional), brand managers and agency heads. Solely responsible to drive revenue from Cadbury, HUL and P&G.
• Integrating Facebook-ZipDial feature (http://thenextweb.com/facebook/2014/07/02/facebooks-new-type-of-ad-in-india-lets-users-place-a-missed-call-for-more-information/)

Oct 2012 – Dec 2012 · 2 mos · Mumbai

• GSF Accelerator is an accelerator program to foster innovation in the fast growing digital economy of India. It aims to provide a few select start--‐ups with unparalleled access to venture and business networks, personalized & intensive mentoring, and initial capital. GSF is designed to help lean & product oriented start--‐ups in the areas of mobile, social, local and cloud.
• Invested in Pokkt, Tushky and BucketBolt.

Jun 2011 – Dec 2011 · 6 mos · Mumbai Area, India

• I co-founded EkSMS, a company incubated by India Internet Group. EkSMS is a localized restaurant recommendation service in Mumbai.
• Within 3 months, I was able to build relationships with 100 local restaurants and got 5,000+ customers to start using our service. It was a fascinating experience to develop the strategic map, build a team and leverage complimentary resources to start this company.

Jun 2011 – Aug 2011 · 2 mos · Mumbai Area, India

• I evaluated several IT start-ups in the restaurant services space. I studied customer loyalty / rewards, food delivery, dinner reservations and restaurant recommendation / review sectors, analyzing start-ups such as, SnapDeal, Zomato, Deliverychef, GoGobble and InCrowd.
• The India Internet Group invests in India-focused early stage internet and mobile technology startups.

May 2011 – Jun 2011 · 1 mo · Mumbai

• Evaluated various growth capital investments in the power efficiency and water sanitation sectors.
• Introduced senior partners to global Fund of Funds interested in clean technology, supporting their fund raising effort.

Jan 2007 – Jan 2010 · 3 yrs · Boston

• Conducted strategic, operational and financial due diligence of global companies by assessing business models, competitive positions, market attractiveness, management teams and potential cost reduction initiatives.
• Presented internal investment committee with the advantages and risks of investment opportunities, including financial analyses, company level due diligence and negotiated terms.
• Negotiated and established a fund structure with downside protection, investor friendly management incentive plan and stringent legal governance.
• Key Transactions:
• $400 million spin-off of BofA Merrill Lynch's Asian private equity assets
• Investment in a new ~ $800 million fund facilitating take-private of Macquarie Capital Alliance Group

Jun 2004 – Jun 2007 · 3 yrs · Greater New York City Area

• Advised clients on a wide range of transactions including recapitalizations, leveraged buyouts, spin-offs and M&A.
• Key Transaction Experience:
• Lead arranger for $790 million exit financing for Foamex International Emerging from bankruptcy
• M&A advisor to Del Monte Foods in a $275 million sale of private label soup business to Treehouse Foods