Aug 2023 – Apr 2025 · 1 yr 8 mos · Bangalore Urban, Karnataka, India · Hybrid

• Developed contextually embedded products on transactions such as loans, bill payments, and recharges to enhance user experience.
• Implemented merchant solutions to protect shops from fire & allied perils, leading to increased merchant satisfaction.
• Led Direct to Customer (D2C) journeys on the app with products like Motor and Health, resulting in improved customer engagement and retention.
• Leveraged merchants to increase insurance penetration at Point of sale

Dec 2019 – Jul 2023 · 3 yrs 7 mos · Bengaluru, Karnataka

• Profitable Insurance Platform (ARR $30 Mn Revenue with 70-80% EBITDA margin) amongst Indian platforms with embedded protection solutions across shared mobility (cab rides & gig drivers) & personal mobility (EV) across 4 countries
• Led a team of 100+ with deep capabilities in design of embedded insurance, telesales ops, fulfillment & service integrations
• Delivered 3x growth YoY in Revenue (commissions/marketing) across Commercial Vehicle, Travel, Motor, Health lines with increasing EBITDA margins
• Launched insurance, warranty & assistance products outside India including ride based covers, flight insurance, motor insurance for driver partners in UK/ANZ
• Established an Omni-channel launch playbook for innovative products in mobility, health, sachet & gig insurance
• Launched the world's first contextual, destination-based insurance covers including flight insurance, 15 day COVID cover, train insurance, loss of beleongjngs/electronics, ETA delay & Cancellations
• Driver benefits & Commercial Private hire vehicle insurance for Ride-share drivers in India & UK

Jan 2019 – Jan 2019 · 0 mo

• Consulted for several marquee clients on independent projects on Insurtech, Product, Data science and Operations:
• 1) Helped a YC 20 startup set up health insurance for Gig economy workers
• 2) Helped 2 insurers set up a product recommendation tool to help pitch the right plan & personalize pitch
• 3) GTM Strategy for Health Insurance with a digital insurer & product design for a to-be-launched insurtech
• 4) Evangelised the insurtech scene in India. Helping brick-&-mortar brokers & insurtech make pitch decks, fund raise
• 5) Invited to the IRDA SANDBOX panel discussion - represented insurtechs
• 6) projects on Dynamic underwriting, designed 2 on-demand byte sized insurance covers for trekking companies & coworking spaces
• 7) Curriculum & Content for a course on "Product Management for Non Tech Corporate Managers" by a Big 4 Management Consulting Firm

Jan 2019 – Jan 2019 · 0 mo

• cofounded the Insurtech-as-a-service startup that builds backends, web portals, policy admin systems, sales apps, claims management systems for prominent brokers, banks and insurers. left to start my own broking company GoPlannr

Jan 2018 – Dec 2019 · 1 yr 11 mos · India

• Social Commerce for Insurance - leveraging humans, a tech platform and smart algorithms
• Built the Agent Assistant app with end-to-end sales, plan comparisions, need based plan recommendation, claims assist, training, social marketing tools, CRM and Plug-&-Play APIs
• Built a micro-entrepreneur community of 100 agents & housewives
• Sourced SAAS deals with 2 insurers & 40 brokers for the sales app
• Raised $300k in Pre-Seed capital
• Designed (Sketch) & Developed (coded the model layer & database architecture) for a full stack insurance quote, policy comparison, proposal & payment application integrated with a CRM, training module & actionable nudges for agents/POSP called OneCover https://play.google.com/store/apps/details?id=com.one_cover&hl=en

Jul 2017 – Nov 2018 · 1 yr 4 mos

• Building Data Science capabilities and competencies from grounds up in a conglomerate startup. Predictive ML models for Persistency (renewals), Wellness Adoption, Agent and Manager Attrition on Python. Customer Segmentation and Portfolio analytics automation. Data Driven Campaigns for Acquisition, Wellness behaviors, Cross-Sell, Retention. Sales Productivity tools - Product Recommendation Engine, Need Analysis, Training enablers. Data Infrastructure and Completeness policies to ensure capture, processing and storage for long term use. Liaising with external vendors and startups.

Dec 2015 – Jun 2017 · 1 yr 6 mos

• Headed Non Traditional Distribution Alliances (Gyms, Pharmacies, Wellness partners)
• Spearheaded Sales Digitisation projects on developing sales mobility apps, process transformations and design, CRM and customer buying journey setups
• Third Party channel - Bancassurance partnership blueprint

Jun 2015 – Dec 2015 · 6 mos · Mumbai

• 6 month intensive induction program to drive critical business projects across ABG industries
• Chemicals Strategy : Go-To-Market execution for Silicone Sealant specialty chemical
• Retail Operations : 15% LTL growth project at MORE Hypermarket, Thane
• Health Insurance : Bancassurance channel strategy & pitch
• Branded Apparel Marketing : Internal Marketing for NPS/customer centricity initiative (‘Mission Happiness’), collateral design, end-to-end campaign implementation

Jan 2013 – Jun 2013 · 5 mos · Gurgaon, India

• Direct Mail Acquisition strategy to tap middle market for one of the largest global insurer

Oct 2011 – Dec 2012 · 1 yr 2 mos · India

• Marketing & Sales for Travel-Another-India, a responsible rural tourism startup
• Growth Hacking at Tushky, online marketplace startup for things-to-do (500 Startups & GSF Accelerator)
• Early stage startup in EduTech

Nov 2010 – May 2011 · 6 mos

• Strategic market initiatives, merchant portfolio profitability and Acquisition/portfolio mgmt marketing

Dec 2009 – Oct 2011 · 1 yr 10 mos

• Marketing campaigns for card activation, balance build & retention adding incremental USD 20 MM. Direct Mail acquisition campaign management adding incremental USD 2MM NPV. Cost savings of USD 8.3 MM, Awarded ‘Leading Light’ (India) and ‘Peer Recognition’ (US)

Jul 2008 – Jul 2009 · 1 yr

• Strategy management and quantitative analytics for the UK Card Subprime Portfolio Management team