Meenakshi Kolay — Co-Founder

In my last assignment, I led digital initiatives at Home Credit India (Leading NBFC Fintech), driving digital sales, product development and lending innovation to enhance customer experience, operational efficiency, and regulatory compliance. With 20+ years of experience across strategy, product management, business development, and operations, my career has been defined by a single mission: building customer-centric solutions that simplify finance and drive measurable business impact. My expertise lies in agile product development, leveraging data analytics for strategic decision-making, digital marketing, and fostering strong partnerships. I'm passionate about the power of digital technologies to drive value – for customers, businesses, and society at large. I'm particularly focused on how Fintech can expand financial inclusion and empower underserved populations in India. I'm always seeking opportunities to explore new challenges and impactful collaborations in this space. I share my fortnightly insights on the evolving Indian fintech ecosystem through my newsletter, "All About Fintech," where I break down trends for the next generation of financial leaders, check out https://allaboutfintech.beehiiv.com/

Stackforce AI infers this person is a Fintech leader with expertise in digital transformation and product management.

Location: Gurugram, Haryana, India

Experience: 22 yrs 11 mos

Skills

Digital Lending
Product Development
Digital Marketing
Pricing Strategy
Financial Analysis
Business Strategy

Career Highlights

20+ years in fintech and digital transformation.
Expert in agile product development and data analytics.
Passionate about financial inclusion and customer-centric solutions.

Work Experience

Home Credit India

Head- Digital (2 yrs 9 mos)

Senior Vice President- Product, Pricing and Partnerships (2 mos)

Senior Vice President- Strategy, Pricing and Alliances (4 mos)

Senior Vice President - Corporate Strategy & Alliances (1 yr 5 mos)

Vice President- Corporate Strategy & Alliances (1 yr 10 mos)

Healthyzer

Co-Founder (1 yr 8 mos)

Google

Strategy & Operations (6 mos)

Five Capital

Consultant (3 yrs 2 mos)

myGREENkart.com

Co Founder & COO (3 yrs 6 mos)

Boston Analytics

Vice President - Delivery (1 yr 1 mo)

iTrust Financial Advisors Pvt. Ltd.

Business Development Lead (4 yrs 3 mos)

General Electric

Analyst, Business Development (9 mos)

GE Money

Manager- Business Development (2 yrs 7 mos)

GE Capital International Services

Assistant Manager Operations (1 yr 3 mos)

Education

PGDM at Indian Institute of Management, Calcutta

BBS at College Of Business Studies, Delhi University

at Montfort School

Meenakshi Kolay

Co-Founder

Gurugram, Haryana, India22 yrs 11 mos experience

Highly StableAI Enabled

Key Highlights

20+ years in fintech and digital transformation.
Expert in agile product development and data analytics.
Passionate about financial inclusion and customer-centric solutions.

Stackforce AI infers this person is a Fintech leader with expertise in digital transformation and product management.

Contact

Skills

Core Skills

Digital LendingProduct DevelopmentDigital MarketingPricing StrategyFinancial AnalysisBusiness Strategy

Other Skills

FinTechData-driven Decision MakingNegotiationMarket ResearchBusiness PlanningArtificial Intelligence (AI)Innovation ManagementDigital StrategyTeam ManagementData AnalysisBusiness DevelopmentBusiness AnalysisBusiness Process ImprovementStrategyPre-sales

About

Experience

Home credit india

5 roles

Head- Digital

Promoted

May 2023 – Feb 2026 · 2 yrs 9 mos

Leading all things digital at Home Credit India- Digital Sales, Digital Product and Digital Partnerships.
Designing end-to-end digital lending journeys that simplify onboarding and accelerate disbursement.
Leading digital marketing to acquire customers online
Implementing engagement strategies to improve conversion and retention.
Ensuring regulatory compliance while fostering transparent lending practices.
Leveraging technology and data-driven insights to optimise operations and deliver measurable business impact.

FinTechDigital LendingProduct Development

Senior Vice President- Product, Pricing and Partnerships

Feb 2023 – Apr 2023 · 2 mos

Added responsibility of Insurance and Loan Products

NegotiationProduct DevelopmentPricing Strategy

Senior Vice President- Strategy, Pricing and Alliances

Oct 2022 – Feb 2023 · 4 mos

Added responsibility of Pricing Leader. Optimising product pricing strategies while ensuring regulatory compliance.

NegotiationPricing Strategy

Senior Vice President - Corporate Strategy & Alliances

Promoted

Apr 2021 – Sep 2022 · 1 yr 5 mos

Added responsibility of engaging with Telecom Partners and Building WhatsApp based Loan Journey

Negotiation

Vice President- Corporate Strategy & Alliances

May 2019 – Mar 2021 · 1 yr 10 mos

Engaging with partners both fintech and brick & mortar - creating new business opportunities for Home Credit in India.Specialised in digital lending process and product.

Healthyzer

Co-Founder

Apr 2017 – Dec 2018 · 1 yr 8 mos · New Delhi Area, India

Healthyzer.com helps patients to learn from fellow patients and heal together. It also provides information about hospitals and the allied doctors.

Google

Strategy & Operations

Oct 2016 – Apr 2017 · 6 mos · Gurgaon, India

Part of the gCareer Return to Work program of Google India. Worked in the Strategy team supporting the Global Campaign Services team in India.

Five capital

Consultant

Mar 2016 – May 2019 · 3 yrs 2 mos · Delhi Area, India

Working as Consultant with Five Capital. Five Capital brings retail investors financial products that work purely on quantitative principles. (IM me to know more...)

Mygreenkart.com

Co Founder & COO

Aug 2012 – Feb 2016 · 3 yrs 6 mos · Delhi Area, India

Cofounder of a B2C ecommerce start-up www.mygreenkart.com. myGREENkart sells organic, eco-friendly and energy efficient products online.

Boston analytics

Vice President - Delivery

Jun 2011 – Jul 2012 · 1 yr 1 mo · Mumbai Area, India

My key responsibilities in this role were:
Leading a team of project managers and consultants to deliver projects to achieve client satisfaction within the budgeted time and resources
Leading initiatives to drive both organization metrics and people development
Client engagement, business development and scoping of new projects
Some of the projects that I have worked on involve strategic opportunity identification, market entry strategy, market expansion strategy, market research, business plan formulation, competitive intelligence and M&A deal support

Financial Analysis

Itrust financial advisors pvt. ltd.

Business Development Lead

Dec 2006 – Mar 2011 · 4 yrs 3 mos · Gurgaon, India

Vice President and Core Team Member, at iTrust - a Start up in the Personal Finance Advisory space in India, iTrust was a third party distributor of wealth management, real estate and mortgage products. It was funded by leading venture funds of the world. Being the 2nd employee of the company was involved in various aspects of the growth of the company. iTrust was bought over by Karvy Private Wealth in February 2011.

General electric

Analyst, Business Development

Mar 2006 – Dec 2006 · 9 mos · New Delhi Area, India

Part of the India Growth team, was looking at acquisitions and partnerships in the energy, infrastructure and health care sectors

Ge money

Manager- Business Development

Aug 2003 – Mar 2006 · 2 yrs 7 mos · Gurgaon, India

Part of the Strategy and Business Development team at GE’s retail finance business (GE Money) in India. The department is responsible for new initiatives, group restructuring, partnerships as well as Merger & Acquisition activities.

Financial Analysis

Ge capital international services

Assistant Manager Operations

May 2002 – Aug 2003 · 1 yr 3 mos · Gurgaon, India

BPO Operations role in the Annuities business.
Expected to drive delivery of customer requirements; work with the customer to drive process improvements and transition of processes to remote site

Financial Analysis