Oct 2023 – May 2024 · 7 mos · Bengaluru, Karnataka, India

• Tried to build a product social network that organises user's shopping/commerce data in an efficient way
• GTM strategy to build distribution did not work out, so scrapped this for the time being

Sep 2022 – Sep 2023 · 1 yr · Bengaluru, Karnataka

• Taking this career break due to a spinal cord surgery and the subsequent 6 months physical therapy for spinal cord rehabilitation. Using this time to focus on physical therapy, health & mental well-being

Feb 2021 – Aug 2022 · 1 yr 6 mos · Bengaluru, Karnataka, India

• CRED does not have conventional designations. All Product folks have the designation Business & Product (during my period of work here)
• Product areas that I handled:
• All things product from Loan onboarding to Loan closure for CRED cash (lending product of CRED) that includes
• 1. Loan Management System - LMS (loan onboarding till loan closure)
• 2. Collections stack (Tele calling & Field collections systems, DPD/NPA management)
• 3. Payment features (handling various payment modes & payment types)
• 4. Settlement systems (settlement of payments to LMS & lender systems)
• 5. Reconciliation systems (reconciling LMS & lender systems)
• Notable things I did here
• 1. Scaled CRED Cash 10X from 50k to >5 lac payments per month
• 2. Integrated 2 new lenders with a different LMS/Settlement/Recon flow that reduced settlement & recon TAT by ~63% at a higher scale
• 3. Launched collections stack like tele-calling dialler system & field app for collection agents and other repayment features like part payments, etc
• 4. Got promoted within 9 months of joining
• 5. Mentored entry level APMs

Jun 2020 – Jan 2021 · 7 mos

• Product areas that I handled:
• All things Fintech product at Rentomojo from Risk verification (user onboarding / credit origination) to DPD/NPA management
• Notable things that I launched here
• 1. Risk Rule Engine for automated credit underwriting
• 2. Identity (KYC) verification product
• 3. Risk data models (employment verification, risk underwriting) & personalized user flow
• 4. Third party integrations for credit score, identity/employment verification & fraud management
• 5. Risk Communications & NPA/DPD management
• Got promoted within 8 months of joining

Oct 2019 – May 2020 · 7 mos

Dec 2018 – Oct 2019 · 10 mos · Chennai, Tamil Nadu, India

• Responsibilities:
• 1. Evaluate Fintech startups and their product fit to TVSCS usecases
• 2. Conduct Proof of Concept with the selected startups to validate our hypothesis for new solutions
• 3. Define the scope, KPIs & success metrics and track the progress of PoCs till completion
• 4. Evaluate the results of PoCs and recommend to the internal teams on the Go-live strategy for successful PoCs
• 5. Establish Strategic Alliances with partners for inorganic customer acquisition
• Projects:
• A. Credit Underwriting:
• 1. Developed a Machine Learning based Credit Underwriting model that demonstrated reduction in bad customers and increase in STP (Straight Through Processed) credit decisions during underwriting stage by predicting probability of default
• 2. Managed this project with two partners out of which one partner was chosen for final implementation and investment successfully
• B. Collections:
• 1. Developed a Machine Learning based Collections scorecard to improve self-pay for predicting self-pay among bad customers
• 2. Developed a field force management app to increase Collections & Field team's productivity through automation, tracking, dynamic allocation & route optimization
• C. Marketing
• 1. Launched Customer Data Platform that involves Customer ID unification across channels, capturing behavioral data for segmentation & campaign management resulting in improvement of Leads generation, Leads to disbursal and reduced CAC costs
• 2. Developed ML models (Cross sell model & Top up model) to prioritize leads and increased Leads to Appointments ratio and Appointments to Conversion ration
• D. HR
• 1. Managed a PoC to improve hiring of high performers through a cognitive ML Engine that improved the % of high performers
• E. Strategic Partnerships
• 1. Launched a Commercial Vehicles financing program with a top logistics tech unicorn for financing fleet owners

Oct 2017 – Nov 2018 · 1 yr 1 mo · Mumbai Area, India

• Product Management:
• Set up the Commercial Cards platform for Corporate, Travel & B2B Credit cards where I worked on the following
• Technology:
• 1. Delivered Commercial Cards customization in Card Management System by working with Technology team
• 2. Delivered SDG2 for Yes Bank customers, an expense management and tracking solution for Corporates & employees by working with Mastercard to complete Card Management System integration & CDF3 testing
• 3. Delivered YTOTG customization for Commercial Cards, an in-house application for Corporates to make vendor payments
• Business:
• 1. Responsible for formulating the Go-To Market Strategy & Customer Acquisition Strategy
• 2. Defined the target segments and worked with Credit team to design the Underwriting policy
• 3. Business Planning, P&L creation & tracking for Commercial Cards
• 4. Tracked and improved the portfolio performance & key metrics of Commercial Cards
• 5. Financial modelling and pricing of deals and product variants
• Design:
• 1. Responsible for Product Specification, features and pricing
• 2. Designed the MIS format and worked with MIS team to design & deliver the Reporting dashboard
• 3. Worked with the Marketing team to design all Marketing collaterals (Welcome kit, Presentation,etc), Website design and created a savings calculator
• 4. Designed a Virtual Card solution for Commercial cards usage
• Operations:
• 1. Worked with internal teams to design the entire process from Customer onboarding through Account setup to Account Management
• 2. Tracked and improved the TAT metrics for a smoother onboarding & usage experience for Corporates
• Fintech Alliances:
• 1. Handled Fintech partnerships with partners like Uber4Business, Homepecked,etc for delivering new & bundled solutions to clients

May 2016 – Sep 2017 · 1 yr 4 mos · Mumbai Area, India

• Worked in internal Business Strategy consulting team for Digital Banking on the following products
• 1. Internet Banking
• 2. Digital Payments(UPI, BBPS, IMPS, SimSe Pay)
• 3. Mobile Banking
• Also worked in new age initiatives that includes Augmented Reality, Credit Wallet and Digital Transformation projects.

Apr 2015 – May 2015 · 1 mo · Bengaluru Area, India

• Devised a design strategy for Infibeam & BuildaBazaar mobile apps
• Infibeam:
• 1. Conducted a competitive analysis on UI elements,flows of mobile apps leading to knowledge about market trends
• 2. Evaluated app features, deals offered by Indian, international players & proposed new product features for app launch
• Buildabazaar:
• 1. Conducted an in-depth analysis of product’s UI capabilities, customization potential & other features
• 2. Identified competitive advantage of product by examining Customization potential in UI & major functionalities

Nov 2012 – Apr 2014 · 1 yr 5 mos · Chennai Area, India

• Worked on Business Process Automation and Management of internal processes of a Fortune 500 Retail and Commercial Bank