Dec 2024 – Jul 2025 · 7 mos

Feb 2024 – Nov 2024 · 9 mos · Lagos, Nigeria / Dubai, UAE

• Led the product roadmap, product design, and product marketing for the payment banks MSME business.
• Architected Reliability Turnaround: Rebuilt the payment routing engine and POS architecture to address failovers, lifting transaction success rates to 98% (matching industry leaders).
• Operational Efficiency via AI: Designed and deployed GenAI workflow automations for Customer Service and Operations, reducing team operating costs by >30%.
• Commercial Growth: Built the Merchant Invoicing & Tax product to solve core MSME workflow pain points, directly increasing merchant retention by 25%.

May 2023 – Feb 2024 · 9 mos · Lagos, Nigeria / Dubai, UAE

Mar 2021 – Apr 2023 · 2 yrs 1 mo · Jakarta, Indonesia

• Launched and scaled the Financial Services vertical from ground zero to a 75-member tribe, owning the product roadmap, P&L, and regulatory strategy.
• Led the B2B Pivot (Strategy): Strategized the shift from a B2C marketplace to a B2B SuperApp. Built the BNPL supply-chain financing module, achieving Product-Market Fit and hitting aggressive loan disbursal targets.
• Fixed Unit Economics (P&L): Transitioned the B2B payments business from a subsidized model to a tiered pricing structure. Led the A/B testing strategy that resulted in $3M annual savings and positive contribution margins.
• Built the Lending Stack (0→1): Architected the entire digital lending lifecycle from scratch (LOS, LMS, KYC, Collections), integrating multiple banking partners and credit bureaus to enable instant credit decisioning.

Feb 2020 – Present · 6 yrs 1 mo

• Work with micro VC from time to time as a product subject matter expert to evaluate the startups as part of investment due diligence
• Work with startup founders to help think through product and growth strategies
• Few notable investments include -
• Stage: An OTT platform that produces entertainment content in regional dialects - "Netflix for Bharat"
• FREED: An online debt relief platform for consumers
• BharatNXT - Enabling business related payments for SME's via credit cards
• VideoVerse: Enterprise AI based video editing solutions for broadcasters, production houses and advertisers
• Neural Defend - Using GenAI for real-time deep fake detection to combat financial-frauds

Sep 2019 – Apr 2021 · 1 yr 7 mos · Bengaluru Area, India

• Led the "New Initiatives" pod to diversify revenue streams and protect the portfolio, overseeing product development and monetization.
• Pre‑emptive crisis solution: Designed one of India’s first fully digital loan‑restructuring engines ahead of the COVID moratorium. Aligned risk, tech and compliance teams to ship it in days, significantly reducing NPAs during market stress.
• New Revenue Streams (0→1): Launched and scaled the Insurance and Affiliate Advertising verticals. Secured the brokerage license and developed ad-tech features that added ~1.5% gross margin to every lending transaction.
• Growth & Optimization: Overhauled the acquisition funnel and introduced repayment gamification. These UI/UX improvements reduced Customer Acquisition Cost (CAC) by 40% and improved collection yields.

Dec 2018 – Aug 2019 · 8 mos · Barcelona Area, Spain

• SPIN-OFF FROM VIVA CREDIT: Identified the market opportunity to expand the "Line of Credit" model to Western Europe, spinning off the venture as an independent entity.
• Fundraising & Strategy: Authored the business plan and successfully secured seed funding to launch operations in Spain.
• 0→1 Operational Setup: Built the company from scratch—establishing the legal entity, securing banking rails, and navigating AML/GDPR compliance to reach "Go-Live" readiness.
• Team Building: Recruited and onboarded the Country Manager and core ops team to transition daily operations, remaining on the Board to guide strategy.

Jan 2017 – Sep 2019 · 2 yrs 8 mos · Bucharest, Romania

• Led the Product, Data Science, and Engineering teams, owning the P&L optimization and growth strategy for the core lending business.
• Strategic Product Pivot: Re-architected the core product into a "Revolving Line of Credit" to navigate complex EU interest-rate regulations. This compliance strategy not only saved the product line but drove a 30% increase in revenue.
• AI-Driven Profitability: Designed and deployed a risk-based pricing model using Machine Learning. By aligning Data Science and Engineering on dynamic pricing, we increased EBITDA margins by 15%.
• Technical Leadership: Managed the cross-functional technical teams (Data Science & Engineering), bridging the gap between business goals and model performance.

Jul 2013 – Dec 2016 · 3 yrs 5 mos · New Delhi Area, India

• Advocated and developed change management initiatives to see the firm through its restructuring period, and introduced several best-practices to enhance firm’s competitiveness, profitability, and business development efforts.

Jan 2011 – Jan 2013 · 2 yrs · New Delhi Area, India

• Part of start-up team responsible for identifying new business initiatives and commercializing projects in India.

Jan 2008 – Jan 2011 · 3 yrs · Chicago, Illinois

• Enova International (NYSE: ENVA) is one of the pioneers in digital lending and I joined them when digital lending company's were just getting started across the world.
• Australian Division (2009-11)
• Succeeded in co-developing the business plan and product roadmap for the digital lending business and worked closely with the engineering and UI/UX teams, as well local partners, to launch the business within one year
• UK Division (2008-09)
• As part of credit risk and fraud team, led several product integration efforts with banks, credit bureaus, and KYC vendors; helped bring UK operations back to profitability through new risk management rules and processes
• Worked closely with the data science team to develop the company's real time credit desicioning and fraud decisioning models using AI/ML frameworks and then subsequently working with the engineering team to deploys these models

Jan 2007 – Jan 2007 · 0 mo · Atlanta, Georgia

• Analysed investment and market opportunity for entering heavy equipment online auction business and its fit with Manheim’s business strategy; presented findings to C-Level executives