Apr 2023 – Jul 2024 · 1 yr 3 mos

• Leading the Payments and Lending Product, Platforms & Partnerships charter for Decentro..
• Building out India's leading payments infrastructure & Banking-as-a-service platform with a vision of simplifying and democratizing financial services. Leading Product and allied verticals with a strong focus on scale and experience. Driving Product & Tech teams to become better and more productive with an obsessive focus on improvement and learning. Leading partnerships to work with the right partners in our growth journey.
• Involved actively in working with cross-functional stakeholders for taking our payments capabilities to the next orbit!

Apr 2021 – Mar 2023 · 1 yr 11 mos

• Joined Decentro to lead Product & Lending.
• Building out India's leading Banking-as-a-service platform with a vision of simplifying and democratizing financial services. Leading Product and allied verticals with a strong focus on scale and experience. Mentoring Product & Tech teams to become better and more productive with an obsessive focus on improvement and learning.
• Check out our offerings!!

Jun 2020 – May 2021 · 11 mos

May 2020 – Mar 2021 · 10 mos · Bengaluru, Karnataka

• Leading Incred's Consumer lending and Credit underwriting platform across the group.
• Helped scale up programs across DSA, B2C and the partnerships vertical.

Apr 2020 – Feb 2022 · 1 yr 10 mos · Bengaluru, Karnataka

• Helping aspiring/early-stage PMs get better and awesome!
• https://pragmaticleaders.io/

Dec 2019 – Apr 2020 · 4 mos · Bengaluru Area, India

• Joined Klub, a niche FinTech to lead Product and Supply partnership initiatives.
• Klub is India’s first revenue-based financing marketplace for growth stage consumer brands with an aim to help brands access growth capital for their expansion and working capital needs.

Feb 2019 – Nov 2019 · 9 mos

• Led teams across Lending partnerships and demand alliances. Launched new programs to diversify sources of capital and launched new initiatives to drive leadership across e-commerce channels.
• Managed the scaling up of multiple portfolios and disbursal numbers, through partnerships with leading Banks and NBFCs across co-origination and co-lending programs
• Managed capital dependency reduction initiatives on own book and identifying newer programs and initiatives to drive numbers through partners
• Managed consistent delivery of numbers across portfolios in e-commerce by partnering with leading platforms and financing their buyers and sellers
• Identified new products across the organization and driving GTM plan for new products
• Tasked with driving repeat business from customers across e-commerce portfolio

May 2017 – Jan 2019 · 1 yr 8 mos

• Setup and led multiple teams across Product & Analytics spanning the entire business. Built out the underlying platform from sourcing to post-disbursement operations.
• Led product team for all partner and internal facing verticals of the company. Managed all internal and external product-related communication of FlexiLoans
• Managed planning of business and platform roadmap and owned execution and post-release
• Managed productivity improvement and driving growth in business operations of the organization through development of innovative features across products by leveraging technology and data
• Identified new products & policies to launch in the market across the stack through competitive intelligence and market benchmarking, India and globally
• Engaged a diverse set of partners to bring in more intelligence into the credit decisioning process and decrease processing time for each file
• Mentor and work actively with Data Science team in developing proprietary predictive models
• Managed complex internal projects by working with multiple stakeholders like website revamp and end-to-end Lending Suite from conceptualization to development
• Developed predictive models and scoring algorithms to enhance customer experience and improve internal decisioning by leveraging data from multiple sources and channels

May 2016 – May 2017 · 1 yr · Mumbai Area, India

• Credit Sudhaar is India’s first and leading credit improvement and advisory platform for individuals and SMEs. It was also India’s first sub-prime lending NBFC to its credit advisory customers.
• Led multiple teams across Product, Technology, Analytics & Operations in a generalist role spanning Lending and Business operations.
• Managed data-driven Strategy to drive business performance across verticals by working closely with Founders and leadership team
• Identified newer products & target markets through primary and secondary research. Work closely with marketing and sales team to quickly tap into the newer segments
• Managed Product Roadmap & Pricing Strategy for current and prospective offerings across credit improvement and financing solutions
• Develop, establish and manage a holistic Analytics, Data & Infrastructure framework across functions on which newer credit models can be built to identify opportunities
• Managed the Lending vertical of Credit Sudhaar and manage the credit and underwriting process from sourcing to disbursement to monitoring
• Managed the entire Operational infrastructure of Credit Sudhaar across its lines of business
• Managed all business and operational planning for referral business

Nov 2015 – May 2016 · 6 mos · Bangalore

• Product & Pricing Analytics for Commercial LOB Services

May 2015 – Nov 2015 · 6 mos · Noida Area, India

• Product Analyst managing the flagship lending product for multiple geographies and Lending Analytics at a global level

Apr 2014 – Jun 2014 · 2 mos · Gurgaon, India

• Automation of Regulatory and Internal Reporting Systems of Aviva India
• Automation of Operational MIS of Aviva India
• Design an Inter-Departmental Pricing Mechanism for Aviva India

Aug 2013 – Jan 2014 · 5 mos · Gurgaon, India

• Responsible for conducting student activities like club activities, academic workshops, etc.
• Act as a liaison between the corporates, faculty and students for all student activities

Aug 2013 – Jan 2014 · 5 mos · Gurgaon, India

• Responsible for coordinating events during Corporate Fests like Imperium and stand-alone events
• Responsible for providing academic assistance to current batches in the form of Final and Summer Placement Assistance
• Responsible for Weekly newsletter and monthly Magazine

Jan 2013 – Feb 2015 · 2 yrs 1 mo · Gurgaon, India

• Actively involved in Pitching to Corporates for Research Projects and Corporate Sponsorships.
• Managed and coordinated a team of nearly 30 members, who in turn managed Research Teams, Faculty and Corporates.

Dec 2010 – May 2013 · 2 yrs 5 mos · Bengaluru Area, India

• J2EE Developer at Tata Consultancy Services with excellent knowledge of Domain, Process and Administrative Functions
• Strong Domain knowledge of Life and Non-Life Insurance and Re-Insurance
• Good knowledge of Process like Documentation, Resourcing, Requirements Analysis