Feb 2022 – Jan 2023 · 11 mos · Bengaluru, Karnataka, India

Dec 2019 – Feb 2022 · 2 yrs 2 mos · Bengaluru, Karnataka, India

• Fintech and Payments -
• Owner of the Pay later product - Solving for credit needs of the Kiranas by providing easy and affordable credit solutions. Launched industry first credit program where Kiranas get access to credit in 2mins through a complete digital journey and can make easy repayments.
• Leading the commercial lending product for working capital needs of Flipkart sellers and Suppliers

Jan 2017 – Dec 2019 · 2 yrs 11 mos

• Building Co-lending(Co-origination Lending) financial product : Increasing AUM and solving for debt funding through collaboration with large banks
• Loan Management and post sanction product owner : Building systems to support the post sanction life of the loan (~2kcr. book) covering Agreement execution, disbursal, collection to delinquency management
• Built a Document Management System to manage, store customer documents and facilitate easy loan processing and 3rd party integrations
• Fraud Identification tools for better underwriting and decisioning

Oct 2015 – Nov 2017 · 2 yrs 1 mo · Bengaluru, Karnataka, India

• Conceptualized and launched a B2C platform catering $3bn electronic post sales market. Built India's first service product providing upfront diagnosis and service details(reducing 95%ile service TAT to <12 hrs). Provided tech support to vendors to solve for service visibility problems.
• Key Metrics:
• Bounce Rate: ~14%, Page views 100k in <90 days, 100+ queries/day,
• Monthly run rate @ INR 1.5mn after 5 months of launch with operational break even.
• Top 25 startups at LetsIgnite, Top 10 @ SMC-IITKanpur 2015
• Top 5 google search results for "Bangalore Mobile Repair". Customer feedback ratings : 4.7/5

Jan 2015 – Jan 2016 · 1 yr

• Business finance and strategy partner for Market Place ecosystems, Flipkart's new hyperlocal grocery arm "Nearby" and supply chain management for commerce platform
• Flipkart "Nearby":
• Designed the framework for asset light delivery model, commission, launch strategy for Nearby
• Payment flows, product logics, SOPs and processes.
• Financial forecasts, 5 year plans, marketing and expansion strategies
• "Fulfillment Services"
• PnL owner of Flipkart FCs – Monitor and drive projects to built capabilities and scale FCs
• Partnered with cross functional teams to identify, drive and execute impactful cost optimization projects –Increasing % local utilization, % share of surface shipments, category wise vendor selection ; led to margin jump of 150+bps
• Built models for network design of new FCs and built rate card for FCs –Automated processes for annual/monthly forecasts

Apr 2014 – Dec 2014 · 8 mos

• Designed P&L framework, commission, shipping and monetization rate cards
• Designed policies for seller returns, seller and buyer protection funds, penalties and seller selection logic for FA(Flipkart Adv.)
• Partner for packaging, lending and liquidation ecosystem for sellers – Helped 100k sellers improve WC and return leakages
• Built robust statistical models to forecast (annual/monthly) revenue and margins and to evaluate business cases

Jun 2013 – Apr 2014 · 10 mos

May 2011 – Jul 2011 · 2 mos · Bangalore

• Worked as a Research Analyst in the engineering division of Akamai . Worked on following key problems:
• 1> Problem of Counting Unique Viewers for streaming dataset-
• Used the concept of probabilistic counting to count unique elements in data sets. Simulation showed the algo. worked with error less that 5% and was further implemented in Akamai's data base.
• 2> Performability and Load Sharing on Distributed Systems:
• Defined metric to track the performance of a system based on parameters like memory, speed, utilization etc. and designed a game theoretical approach for load sharing among multiple processors.

May 2010 – Jul 2010 · 2 mos · Greater Indore Area

• Market research on Indian IT companies on the basis of M&A, expansions, turnovers etc.
•  Explored Hosting Services market in India.

Jun 2006 – May 2008 · 1 yr 11 mos