Jan 2022 – Present · 4 yrs 2 mos · India

• SaveIN is a platform aimed at making private healthcare accessible and affordable for Indians. It is fast becoming India's largest integrated healthcare ecosystem enabling hyper-local discovery of practices and embedded finance at point of care.

May 2017 – Nov 2020 · 3 yrs 6 mos · Gurugram, Haryana, India

• RupeeRedee is a digital lending platform that leverages the best in technology to offer new age lending solutions to Indian customers. Deep-integrated with multiple lending companies at the back end and is focused on addressing credit needs of various customer segments including the traditionally under-served.
• I built Rupeeredee from scratch and scaled up business operations in partnership with captive NBFC Fincfriends, to serve hundreds of thousands of customers across India along with delivering profitable business results.
• I exited from the company in late 2020, to launch my new healthcare-fintech venture

May 2017 – Nov 2020 · 3 yrs 6 mos · Gurugram, Haryana, India

• Fincfriends is one of India's first 100% digital Non Banking Financial Companies to have been accorded license by the Reserve Bank of India

May 2017 – Oct 2020 · 3 yrs 5 mos · Gurgaon, India

• Building a platform which aims to revolutionize lending in India using a mix of best practices in technology, differentiated risk estimation and customer service.

Jan 2016 – May 2017 · 1 yr 4 mos

• Responsible for managing partnerships for Bankbazaar across Banks, Insurers, NBFCs and Asset Management Companies. Complete P&L ownership for accounts; leading delivery on products, marketing and tech developments.
• Part of core team spearheading disruption in BFSI using technology solutions. Focus paperless, digital journey for customers
• Focus areas include enhancing share of Bankbazaar in the partner's business mix, advising on improving operational efficiency so as to maximize value of incoming digital customers.
• Leading pricing strategy for Bankbazaar with a view to achieve profitable growth.

Feb 2015 – Dec 2015 · 10 mos

• Leading Sales and Business development for Bankbazaar.com across Banks, Insurers and NBFCs
• BankBazaar is world's first neutral online marketplace for instant and customized solutions across financial services domain including retail banking and insurance products.

Jul 2012 – Feb 2015 · 2 yrs 7 mos

• Responsible for managing Relationship Management program (under Personal Banking) and premium Savings proposition(Indus Select) for the bank.
• Key responsibilities include:-
• Delivery of CASA and Revenue targets from one of the largest channels in the bank. Driving a team of ~400 RMs through a team of Relationship Management Heads and Personal Banking Heads across 550+ branches
• Formulating and executing channel strategy covering annual budgeting, RM deployment across branches, product suite management, sales tools, training interventions, KRAs of team members, balanced scorecard, rewards and incentive plans.
• Portfolio and lifecycle management of premium customers. Focus areas include client acquisition, deepening CASA relationship, enhancing product holding per client leading to higher wealth revenue. Major products sold through the channel- Life Insurance, Investment, Trade & FX, Credit Cards, Home Loan, LAP and Business Banking products
• Formulating and executing sales enablers to enhance efficiency of RMs, improve client coverage leading to enhanced revenue per client
• Developed and launched sales management processes, customer segmentation and lifecycle management modules, IT oriented business enablers and CRM solutions
• Managing premium savings account (Indus Select)- product proposition, alliances, customer communication

Jun 2011 – Jul 2012 · 1 yr 1 mo

• Responsible for setting up and running new branches in the Western zone. Successfully launched 30 branches for the bank in a defined time period, managed to ensure 100% operational profitability across all the branches.
• Formulated and executed Launch and Sustenance plan for all New Branches across Maharashtra and Gujarat including identification of location, manpower hiring and management, launch plan and 9 month business plan leading to profitability.
• Conceptualized and executed sales management processes and productivity enhancement modules for driving key business metrics.
• Key initiatives included:-
• Acquisition- Focus on building quality customer base through traditional customer acquisition teams and alternate channels including external partnerships and online media
• CASA- Keen focus on acquisition value and account deepening.
• Revenue- driving in-house and 3rd party revenue products- focus on Life Insurance, Investment Products, Credit Cards and HL/LAP.
• P&L responsibility of the entire business with stated focus on achieving profitability in a time bound manner for all new branches.

Aug 2010 – Jun 2011 · 10 mos · Mumbai Area, India

• Senior business consultant in BFSI domain. Primary areas of expertise- Entry strategy, performance improvement, product design, implementation road map, operational efficiency.
• Key projects:-
• Market entry-
• Advised US and Canada based wealth managers and general insurance players to enter India
• Advised a leading Indian life insurer to enter into standalone health insurance- focus on right product mix and distribution channels
• Assisted a large Indian business conglomerate to launch their life insurance JV with a European insurance major- focus on profitability and efficiency
• Cross sell / Channel Management-
• Worked with Indian banks to enhance penetration of 3rd party wealth products across their customer base

May 2008 – Aug 2010 · 2 yrs 3 mos

• Worked in the corporate strategy function and was responsible for strategic analysis & planning,competition benchmarking and financial analysis. Contributed towards formulating overall business strategy of the organization across- products and distribution channels.
• Key areas of exposure- product design (across life and health) and bancassurance
• Project manager for health insurance products- included product development and liasioning with distribution channels/partners to launch and manage new and existing products.
• Winner of 'Accelerated Leadership Programme' for the year 2010 (across Aviva India, Sri Lanka and Aviva Global Services). Developed a comprehensive execution roadmap for 'Online Sales' and other alternate distribution channels

Jul 2007 – Sep 2007 · 2 mos

• Live project- Carried out pre launch analysis for packaged curd in Delhi & NCR

Apr 2007 – Jul 2007 · 3 mos

• Carried out primary research across TN and Maharashtra for Hariyali Kisaan Bazaar-rural retail stores of DSCL.
• Did supply chain analysis and formulated processes for efficient procurement and logistics in these regions
• Received a 'Pre Placement Offer' basis my performance