May 2020 – Oct 2022 · 2 yrs 5 mos · Mumbai, Maharashtra, India

• I am writing a commentary on fintech which includes updates about
• Product Launches
• Growth
• M&A
• Funding
• Fintech Landscape Frameworks
• Currently being read by 500+ fintech enthusiasts!
• You can read more about it at http://www.irunafintech.com

Oct 2019 – Present · 6 yrs 5 mos

• I lead Creditvidya's product, design, and marketing org for the Prefr brand. The team's responsibilities include:
• consumer research
• experimentation and causal inference
• metric, roadmap setting, and monitoring
• user interface design & experience
• brand awareness, strengthening and positioning
• we apply these areas of expertise to our Prefr's consumer financial services and products like PL, BNPL, internal tools and services, and operations.

Apr 2018 – Oct 2019 · 1 yr 6 mos

Jan 2016 – Apr 2018 · 2 yrs 3 mos

Jul 2013 – Dec 2015 · 2 yrs 5 mos

• Founding member at CreditVidya. Built and managed all the early SaaS products at CreditVidya including credit planner, credit scoring, employment verification etc.

Jan 2012 – Jul 2013 · 1 yr 6 mos · Mumbai Area, India

• Global Fixed Income Middle Office
• Developed over 12 VBA tools to automate the daily and monthly processes, saving more than 3 FTEs and reducing manual errors by more than 95% thereby reducing the expenses and increasing potential for new projects.
• Performed feasibility and risk analysis of different products to identify the business critical and high risk areas of the fixed income trade flow process
• Worked on the areas of improved in Fixed Income trade applications to enhance the trade flow process and to create better synergies between the Front office and the middle office
• Primary interface with London and New York offices in the settlement of local and international fixed income products, currency options and FX trades - involved communication with the sales, traders and legal teams.
• Worked as a liaison between business users and developers to submit requirements and changes & clarify issues
• Worked closely with the front office and product control to minimize operational losses in the settlements function
• Products: - Government and Municipal Bonds, Corporate Bonds, Repo and Reverse Repos, Emerging Market Bonds
• Applications: - Consolidated Desk Trading system, Middle office Support system, Mortgage Desk Trading System and different Back office trading systems

Dec 2009 – Sep 2010 · 9 mos · Mumbai Area, India

• Profile Highlights
• Completed training programme in 1. SAP BusinessObjects Planning and Consolidation, 2. IBM Cognos TM1, Cognos Planning.
• Business Objects and Cognos planning tools are one of the most popular and effective BI tools used by large corporates for budgeting, planning, forecasting, MIS etc. This acts as supplemental system to the core accounting and finance system of the corporates.
• All the projects involved understanding and analysing financial (balance sheet, income statement etc) and other market data (market and sales statistics about numerous products) and providing most effective solution to clients using the technology
• Client: Hindustan Unilever, India
• Rendered technical support and assisted in solving the issues for multiple business processes.
• Reviewed client support system and found room to optimize process by 25%
• Recommended and implemented changes, which saved the client 20 hours of labor per week
• Understanding of the process based on Business user interactions and analysis of Excel Templates shared with us.
• Analyzed data and use complex mathematical calculation to ensure data confidence
• Managed complex calculation involving over 28 states, 56 depots and 30 units which contained different tax structures and policies.
• Ensured seamless flow of data and managed complex calculation without losing data confidence.
• Implemented business process thus saving up to 3 man days and increasing productivity by 40% of the monthly activity.
• Trained a team of 10 business users
• Client: Cox and Kings, India (longest established travel company in the world, headquarters based in
• London)
• Conducted a detailed requirement study with one to one interaction with key process owners.
• Documented with owner process owners input.
• Created business proposal to support client recommendations.
• Designed and implemented prototype demo for the business users using the IBM Cognos TM1 tool.

Jan 2009 – May 2009 · 4 mos · Mumbai Area, India

• · Worked extensively on Java 5.0 and Struts framework and provided innovative and efficient solutions to develop crucial components of the User Interface
• · The User Interface is now functional and operating at global level which has accelerated the development phase by 30% and production phase by 50% thereby saving 100-man hours per week