Oct 2023 – Jul 2025 · 1 yr 9 mos · On-site

• Built B2C, B2B & B2B2C Insurance @ Paytm.
• A. Accomplished 5x Product enhancement, 2x conversion improvement resulting 10x revenue
• growth
• B. Strategised to Drive 10x to 100x growth journey through disruptive product innovation,
• strategic partnership and omni channel distribution strategy
• C. Launched First-Time MSME focused bite-size, pocket friendly, health & business combi
• subscription with end-to-end journey (purchase to claim) for merchant base to fill the mass underinsured gap
• D. Conceptualised and developed innovative & relevant products on Health and Life insurance

May 2023 – Oct 2023 · 5 mos

• Strategy Consulting Project for a Legacy Insurer's Digital Transformation around Product GTM

Aug 2022 – Apr 2023 · 8 mos

Dec 2021 – Apr 2023 · 1 yr 4 mos

• a. Successfully built 0-1 journey of ZestMoney's Insurance Arm.
• b. Strategising and heading the 10x journey of the segment both in terms of insurance cross-sell and Premium Financing.
• c. Ideating on new innovative BNPL product/segment which can bring more customer engagement and in turn provide growth to the BNPL business

Jul 2021 – Dec 2021 · 5 mos · India

• Worked into SME focused Digital Ecosystem for Commercial line Insurance (Property, Engineering, Marine, Liability & Health Products) focusing on ease of use, AI driven buying journey & seamless user experience.

Apr 2021 – Jun 2021 · 2 mos

• Worked in Insurance & Business services domain to bundled product development for India's first B2B conversational Platform of Standard Chartered Group. It was the 0 to 1 journey of its own kind.
• Key Responsibilities,
• a. Ideated & Developed 3 Innovative Insurance Bundle product proposition for B2B and B2B2C
• b. Converted 4% non-transacting customer to transacting base & 6% conversion on transacting base
• c. Developed multiple Insurance & VAS partners for Sales & Cross-Sales Channel
• d. Product & Strategy owner for Go to Market planning, execution, process, P&L, risk management, system development along.

Dec 2019 – Mar 2021 · 1 yr 3 mos

Apr 2019 – Dec 2019 · 8 mos

• Worked in a Business Analyst & Process Excellence role of Creating, Implementing & Streamlining Processes as well as Ideating, Conceptualizing & Developing Systems for Organisation's Performance & Process Improvement.
• Key Achievements,
• a. Lead Business Analyst for Integrated Quote Management & seamless Policy
• Issuance System (For Marine, Liability on AS400) implementation
• b. Developed Quote Management System with Underwriting DoA inbuilt (For
• Property, Engg & Misc Lines)
• c. Implemented Process Excellence in collaboration with internal departments
• fueling 50% GWP growth in commercial lines
• d. Risk Trooper of Commercial Lines Insurance department handling successful and compliant ISO audits (9001, 27001) internal audits (BCP, RCSA, Audit Agencies) and external audits (IRDA, IIB, GIC)

Aug 2017 – Mar 2019 · 1 yr 7 mos

Jan 2016 – Jul 2017 · 1 yr 6 mos · Mumbai Area, India

• Worked in a Techno-management role on IoT segment in Marine lines for Marine Risk Management.
• Key Achievements,
• a. Prevented INR 25 Cr. worth Hijack/theft and increased recovery (upto 80%) using IoT based solutions
• b. 0% (Zero) Loss Ratio in ODC cargo movement using Loss Control Exercises
• c. Implemented several risk management solutions through process consulting with
• clients and developed new IoT Based VAS Products

Jul 2014 – Jan 2016 · 1 yr 6 mos · Mumbai Metropolitan Region

• Worked in a Techno-Management function of IoT/M2M (GPS Based Tracking) Organisation, where I need to perform the responsibilities of Pre-Sales Consulting, New Project Management, New Product Development, Customer Service, Site Operations, Marketing & Sales focusing on profitable growth for the Western Region.
• Key Achievements,
• a. Reduced monthly collection timeline from 60 days to 27 days enhancing the bottom-line
• b. Proposed & Implemented discrete solutions through process consulting with clients
• c. Technical consulting on customer requirements to provide cost effective customised solutions

Jan 2014 – Feb 2014 · 1 mo · Greater Kolkata Area

• Network Augmentation:
• Understanding of KPIs' for both Network Operation & Customer Services and Planning for Catapult Site Deployment.