Nov 2023 – Jun 2025 · 1 yr 7 mos · Bengaluru, Karnataka, India · On-site

• Developed and scaled supply chain finance (SCF) solutions for rural MSMEs, merchants, and farmers, streamlining credit access and driving financial inclusion.
• Built BharatCredit, a dealer finance product managing end-to-end processes, including onboarding of anchors and borrowers, underwriting, and post-sanction process automation.
• Designed and launched the Transaction Portal from scratch to automate vendor finance, dealer finance, invoice discounting, purchase invoice discounting (PID), and sales invoice discounting (SID). This platform, developed for Jai Kisan as an LSP, enables portfolio monitoring and includes a lender portal compliant with RBI regulations. Increasing operational efficiency and reducing loan processing time by 40%.
• Developed CredSafe/CredCheck, a SaaS product that helps corporates and large MSMEs underwrite their buyers and suppliers, reducing accounts receivable risks and write-offs.
• Built strategic lending partnerships and scaled co-lending models, increasing credit availability while mitigating risks.
• Developed an Early Warning System (EWS) to monitor loan anchors and borrowers, reducing delinquencies and NPAs, ensuring sustainable loan book growth with minimized risk.

Aug 2022 – Feb 2023 · 6 mos · Bengaluru, Karnataka, India

• Developed a Loan Origination System to automate loan processing for Self-Help Groups (SHGs) and Joint Liability Groups (JLGs), streamlining borrower onboarding, pre-sanction underwriting, and post-sanction processes for Regional Rural Banks (RRBs) in India.
• Built a LOS for Kisan Credit Card (KCC) automation, enabling seamless loan processing for small farmers and allied industries.
• Directed end-to-end product delivery for large financial institutions, ensuring timely and successful implementation of solutions.
• Aligned cross-functional teams, delivering customized solutions that exceeded client expectations.
• Enhanced service delivery through meticulous requirement gathering, project management, and collaboration.

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

• Led product and technology development, empowering blue-collar drivers, including three-wheeler operators and e-commerce delivery riders.
• Built a collection module for CloudNBFC, later acquired by Ohm Mobility, enabling daily loan repayments for blue-collar workers to ease financial burden.
• Drove EV financing growth, partnering with multiple lenders to offer low-cost financing for blue-collar EV drivers.
• Developed sector-specific financial products through strategic partnerships.
• Spearheaded agile product lifecycle management, ensuring rapid adaptation to market needs.

Aug 2014 – Jan 2017 · 2 yrs 5 mos · Nagpur, Maharashtra, India · On-site

• Founded MiBusy.com, a personalized content platform curating relevant content across various sectors, including jobs, blogs, e-commerce, healthcare, real estate, news, and social networking.
• Led a team of 4 to design and develop the website from scratch, driving user growth and engagement.
• Achieved rapid user acquisition, onboarding 500+ users within the first month of launch.
• Successfully onboarded 20 sellers to the platform, helping drive initial e-commerce sales, including commercial furniture worth ~INR 2 Lakhs.
• Secured 15 advertisers, contributing to 35% of the company's revenue in the early stages.

Apr 2013 – Present · 12 yrs 11 mos · Greater Nagpur Area

• Co-founded CloudNBFC, a FinTech startup revolutionizing banking solutions for NBFCs and MFIs, recognized by JioGenNext Basecamp 2019 and selected as one of Maharashtra’s Top 11 startups in Microsoft’s Emerge X – Highway to a 100 Unicorns.
• Led the development and scaling of CloudNBFC A New-Age Digital Platform for Financial Institutions, NBFCs, and Small Banks, Providing solutions for Loan Origination, Loan Management, Accounting & Audit, Smart Recovery, and Payments.
• Transformed loan processing with a paperless, mobile-first approach, enabling FinTechs to onboard customers and create loan cases instantly—similar to posting on social media.
• Integrated AI-driven automation, reducing loan approval time from weeks to just a few days, cutting operational costs by ~30%, and enhancing compliance through seamless third-party integrations for identity verification and credit checks.
• Expanded CloudNBFC to multiple B2B clients, helping lending institutions disburse loans to over 2 lakh customers across 15+ geographies.
• Enhanced recovery and tracking capabilities, enabling financial institutions to monitor field executives via GPS, track EMI collections, and provide real-time, Bluetooth-printed receipts for customers.
• Drove strategic partnerships, accelerating adoption and scaling without external funding.
• CloudNBFC collection module was acquired by Ohm Mobility in January 2021, further validating its impact on the financial ecosystem.