Jan 2021 – Feb 2022 · 1 yr 1 mo

• o Crafted a new line of products focused on improving the financial health of people and making people financially inclusive in the UK and EEA
• o Launched Credit Builder: Making customer's every purchase count towards improving credit score for access to better financial products.
• o Launched Pay Later: Providing allowance to customers without any credit score checks, spending and repaying which can translate to improving credit score.

Oct 2020 – Jan 2021 · 3 mos

• Razorpay Capital (Lending Business)
• o Responsible for setting up the entire Capital team, setting up the OKRs, and creating product roadmap for FY 2020-21
• o Scaling up the lending products - Early Settlements, Working Capital Loans, and Line Of Credit
• o Researching the whitespace in the market for credit requirements and building a product to address the gap
• o Setting up the 3-year product roadmap for the lending division which captures credit for long-tail merchants and acquisition plan

Oct 2019 – Sep 2020 · 11 mos

• Razorpay Capital (Lending Business)
• o Responsible for setting up the entire Capital team, setting up the OKRs, and creating product roadmap for FY 2019-20 and FY 2020-21
• o Leading the Razorpay Capital (lending arm of Razorpay) with a goal of disbursing 5000cr/month by March 2021 to 8000+ businesses
• o Scaled up the Razorpay Early Settlements product to achieve 15x growth on the volumes and 5x growth on the merchants using the product in less 6 months
• o Launched 0-to-1 products for Working Capital Loans and Line of Credit to onboard lenders and disburse credit to businesses
• o Conceptualized the underwriting model to incorporate the risk scoring model for businesses; maintained an NPA of 0% till now
• o Leading business discussions to onboard lenders from the likes of SBI, ICICI, IDFC, RBL etc. to facilitate loans/credit cards to eligible Razorpay merchants

Apr 2019 – Sep 2019 · 5 mos

• Razorpay Partner Program (Banking and Enterprise Partnerships)
• o Manage the end-to-end partner program for Razorpay which accounts to 25% of the overall GMV and gearing up towards a vision to increase the GMV contribution via partnerships to 40% of overall Razorpay’s GMV [www.razorpay.com/partners/]
• o Optimized the end-to-end partner on-boarding and commission payout experience to make it nearly real time with all business logics built in, compared to an earlier turnaround time of 10+ days
• o Involved in the core team for conceptualising solutions for special partnership constructs with partners like Facebook, Freecharge, etc.
• o Simplifying the sub-merchant on-boarding for partners via covering the breadth of solution approaches like API and file based onboarding

Jul 2015 – Apr 2019 · 3 yrs 9 mos · Mumbai Area, India

• We are a digital media house that publishes analysis, explanations and opinions on the most important issues of the day. We cover business, economics, policy, culture, technology, politics and foreign affairs.
• Apart from heading the technology and product stack, I am currently leading the marketing activities and driving the inhouse engagement across various verticals.
• o Designed an android application with a 4.9/5.0 rating on Google PlayStore and average session duration of 5 minutes (2.5x> than average Indian news application, resulting in claim to India's most engaged readership), thus boasting of India's most engaged readers.
• o Led the marketing intern team to spur a 100% increase in monthly KPI (i.e. impressions) by designing an incentive program of higher commission upon meeting targets, roles in the core team; this made the application most trending for News & Magazine on Google PlayStore
• o Created notification strategy to increase daily engagement by 150%+ by analyzing user behavior pattern
• o Reduced Data Usage, App Size, Image Compression, Low Latency of page upload for best user experience handling 20000+ daily readers
• o Integration with Google Newsstand, Apple News, and other distribution channels (Overall: 15+)
• o Numbers
• Ranked 48th in News & Magazines on Android Play Store, India [As of July 13, '17]
• Ranked 1st in Trending News & Magazines on Android Play Store, India [As of July 6, '17]
• 12 million+ annual page views
• 250,000+ Social followers

Jul 2014 – Jun 2016 · 1 yr 11 mos · Spain, South Korea and India

• Samsung Pay India
• Performed thorough analysis of payment ecosystem in India for evaluation of Samsung Pay India’s business case; analysis included drawing a blueprint of profitable partnerships with banks, security features, consumer analysis, and target devices
• Samsung Pay Spain
• Designed and developed the end-to-end backend systems before moving to integration tasks with Spanish banks and clients based out of Spain, Poland, France, US, and South Korea. The focus was to ensure Samsung Pay launch with Samsung S7 model during the Mobile World Congress in Barcelona, February 2016. Got fast track double promotion (achieved by 0.1% of Samsung employees world wide) and best employee awards for taking holistic product ownership.
• ChatOn
• Developed product features, while maintaining small turnaround time, that saw growth in user engagement.