Jun 2024 – Sep 2025 · 1 yr 3 mos · Delhi, India

• Built our mutual fund distribution business with first in India launch of a "Daily MF SIP" starting at INR 21. After 75mn transactions and lots of happy users, I am glad we got this right! Worked with partners and our super lending team to get Loans against MF off the ground. Like everything else in Paytm - it was a ticket to the max fun roller coaster ride one can have as a start-up.

Jul 2020 – Jun 2024 · 3 yrs 11 mos · Mumbai & Bangalore

• Scaled Paytm Money from NIL revenues to Top 10 brokers in India, significant profits and an AUM of ~4bn USD across Mutual Funds, Equity, F&O, ETFs and Bonds. Some fun things that I enjoyed building with my great team - retail exchange bonds platform, PMS marketplace, Open APIs for pro traders, Daily & Weekly MF SIP and scaling derivative trading volumes.

Apr 2019 – Jul 2020 · 1 yr 3 mos · Mumbai Area, India

• Mobility meets finance! Launched realme PaySa, India's first full stack financial services platform developed by a mobile OEM. The platform offers UPI payments, mutual funds, personal loans, channel finance, insurance and free credit reports. True to the value of realme, the platform was co-created with realme fans and has received a fantastic response in the beta launch.

Jul 2015 – Mar 2019 · 3 yrs 8 mos

• Led the acquisition and integration of Sharekhan (leading full service digital broker in India) with BNP Paribas Group. Initial role involved supporting the acquisition, developing the new strategic action plan and laying the foundation for relaunch of Sharekhan. Post acquisition involved implementation of the 2020 strategic vision, managing digital platforms, CRM & analytics, lending business and other major business development initiatives.

Sep 2013 – Jun 2015 · 1 yr 9 mos

• International Retail Banking (IRB), is BNP Paribas Group's retail banking businesses outside of Euro Zone: in United States, Asia, Turkey and Central and Eastern Europe. Our division has 15 retail banks, ~40k employees and ~1.1bn € in profits.
• My role is to lead key business development projects and have strategic oversight for ‘Individual’ clients (consumer banking) in - Ukrsibbank in Ukraine (~500 branches), BGZ-BNPP in Poland (~500 branches), TEB in Turkey (~600 branches). I currently report to the global head of retail for International Retail Banking and am a member of the IRB Retail ExCo.
• Examples of my work: Provide strategic oversight to the integration of Bank BGZ and BNP Paribas in Poland for the retail banking taskforce and lead implementation of new business initiatives – acquiring, innovative payments and affluent banking.
• Co-lead the restructuring of Ukrsibbank retail banking by leading discussions on cost synergies, process simplification, launch/re-launch of activities – cards & payments, affluent banking, implementation of digital sales tools in the network and SME business
• Co-lead the team that was responsible to study the feasibility to expand retail banking activities to China/Singapore by developing pure digital banks and study partnership opportunities with leading internet companies for mobile wallets/cross border payments
• Co-lead the possible acquisition of a leading digital online brokerage company in Asia and the development of pure-play internet banking business.

Aug 2011 – Aug 2013 · 2 yrs

• BNP Paribas Egypt had 62 branches, ~350k retail clients and ~3500 employees in Egypt. The bank was sold for ~ $500mn in 2013
• As the head of retail banking and member of the bank’s executive committee I was responsible to lead the transformation of the retail banking business to break-even, while developing a resilient bank that could withstand the socio-economic crisis following the revolution.
• I led the complete transformation of retail including launch of many new initiatives – creating of a small business activity, implementing new segmentation and portfolio allocation, re-launch the credit and debit card business, launch of a new loyalty program, set-up of an SME academy, develop a new HR, compensation & training policy and redesign network management. We achieved break-even in 24 months, increased client acquisition/ revenue per client / cross sell rate by over 30%, maintained provisions during crisis at pre-crisis levels and completed sale of the bank successfully to Emirates NBD, Dubai.

Jun 2009 – Jul 2011 · 2 yrs 1 mo · Dubai

• Value Partners is a management consulting firm based out of Milan, Italy with 3300 professionals primarily in Europe, Asia, Middle-East and Latin America. I was working in their Dubai office, leading the financial practice. A few projects I led:
• Develop strategy for a foreign bank in Egypt with focus on exploiting the retail banking opportunity. Supporting the bank in crisis management and restructuring retail
• Review the mid-term strategy of a large local bank in Egypt, with focus on restructuring the retail line of business and supporting senior management in implementing the transformation over a period of 9 months
• Develop the long term strategic plan for a large public sector Egyptian bank’s operations in the GCC
• Strategic review of $200mn investment done by a GCC based telecom operator in an alternate operator in Asia involving evaluation and suggestion of mid/long term strategy and the corporate governance model

Nov 2006 – Sep 2008 · 1 yr 10 mos · Delhi and Bangalore

• Set-up and manage the bank's direct distribution channel across India. Member of the core team that launched Deutsche Bank retail banking business in India. Involved in product development and risk management for the consumer banking business.

Oct 2003 – Oct 2006 · 3 yrs · Cochin and Bangalore

• Managed consumer lending - cash loans business in Cochin, Kerala and Bangalore, Karnataka. I led many different growth initiatives - launching new channels - BPO and physical franchisees, micro marketing and digital marketing initiatives, risk management and product development.

Oct 2001 – Sep 2003 · 1 yr 11 mos · Gurgaon

• Managed client relations for existing projects and involved in acquisition of new projects for the Network Services group