Dec 2019 – Nov 2021 · 1 yr 11 mos · Mumbai, Maharashtra, India

May 2018 – Nov 2019 · 1 yr 6 mos · Gurgaon, India

• Rupeego (www.rupeego.com) was formed with the sole objective of Financially including the micro-enterprises by Digitally providing them with working capital loans to meet their business financing requirements.
• Being the Co-Founder, my work entailed a host of responsibilities: -
• Ideated the proposition of Digitally providing working capital to a niche segment of Micro Enterprises
• Chart growth and over all Strategy of the company along with creating Business models
• Rigorous competition benchmarking and developed intricate understanding of the sector
• Develop the entire working business model: From Customer on-boarding to Collections
• Create BRDs, PRDs & user stories to develop our platform www.rupeego.com (Application Form, LOS, LMS etc.)
• Forge robust partnerships with 3 NBFCs for Supply of Funds
• Established sustainable Demand growth via Strategic Partnerships with B2B companies (Payments, E-commerce) and leveraging Digital Marketing tools (Facebook posts, SEO): Over 2300 registered users on the platform
• Responsible for end-to-end Business & Sales operations leveraging ASANA (Project Management)
• Forge vendor partnerships for various functionalities to automate and optimize the workflow
• Co-created the risk framework and credit policy and refine it with Data Analysis
• Have Built a quality portfolio of ~ INR 1.25 Crores in just 5 months across 72 MSME borrowers

Apr 2016 – Jun 2018 · 2 yrs 2 mos · Gurgaon, India

• Oxigen is a leading payment solutions provider in India both in the online and offline space. Has a retailer base (B2B Business) of over 100,000+ merchants providing payment solutions across the country to over 100Mn end-customers. Has an active Wallet base and other card based payment solutions (B2C Business) of over 1Mn active customers.
• Conceptualized & Launched the entire Digital lending business for SMEs / MSMEs
• Developed multiple credit products - Working capital loans, POS financing & Merchant Cash Advance
• Engaged in end-to-end Project management and designed process flows for all products
• Onboarded ~1200 borrowers and developed a portfolio of over $12 Million till date
• Managed customer engagements and gained significant insights into customer credit behavior
• Launched Oxigen wallet in-App ‘Paylater’ feature for B2C customers. Clocked transactions over INR 2 Cr across 15000+ customers
• Helped a Finserv platform design the web portal and dashboard for customer engagement
• Managed relationships with 5+ NBFCs / Finserv platforms including closing commercial negotiations
• Complete stakeholder management of this business along with regular engagement with CXOs

Apr 2015 – Jun 2015 · 2 mos · Bengaluru Area, India

• Worked on the below 2 projects in the 'Home' Category at Flipkart's Retail division
• Project 1: Chart Strategy for High Growth Verticals
• Identify verticals with potential high growth (Units and GMV) and chart a strategy to increase Flipkart’s market share in the Home category.
• Proposed recommendations which were incorporated in subsequent discount festivals and offers
• Project 2: Optimize the packaging for High Volumetric Verticals
• To reduce packaging and logistics costs of high volumetric products and subsequently improve the Bottom Line of Flipkart’s 'Home' Category department
• Included rigorous data analysis, primary research among sellers and Flipkart warehouses to study and understand the best practices and methods for packaging.
• Developed vertical / product specific guidelines to curb product shipment returns

Mar 2013 – Jun 2013 · 3 mos · Pune Area, India

• Stabilized and optimized the performance of the Batch processes significantly by reducing
• their functioning cycle duration by 2 hours
• Enhanced the systems’ performances by successfully reducing the incident count by 80%
• and preventing occurrence of incidents
• Trained 11 employees through rigorous knowledge transfer sessions to equip them with the
• understanding of the client’s business

Sep 2011 – Feb 2013 · 1 yr 5 mos · Pune Area, India

• Appointed Lead of my team – The First Senior Programmer and the youngest to be vested with this critical responsibility
• Led a team of 8 employees, which performed various technical and functional roles that were
• paramount to the client’s business
• SPOC (Special Point of Contact) to the Client for all activities related to Batch and technical
• change management process

Jul 2010 – Sep 2011 · 1 yr 2 mos · Pune Area, India

• Performed Risk Analysis before the introduction of any new job or function in the client’s
• business to enhance efficiency of the team
• Provided Consultations and Recommendations to the functional teams and Client to optimize
• system performance

Jan 2010 – Jun 2010 · 5 mos · Noida Area, India