Apr 2025 – Present · 1 yr

Jun 2024 – Present · 1 yr 10 mos · North Goa

Jan 2024 – Dec 2025 · 1 yr 11 mos

• Co-founded Indya Finserv as an LSP under the FLDG model, focused on Micro LAP distribution to small business owners and entrepreneurs in Tier 2 and Tier 3 cities. Built the lending platform end-to-end — credit assessment, disbursement — so borrowers could access working capital against property without the friction that typically kills these deals. Three financial institutions came on as anchor partners; we also opened three branches in Haryana to establish a real on-ground presence in the region.

Jan 2022 – Jan 2024 · 2 yrs · Gurugram, Haryana, India

• As a founding team member, I built and scaled the platform from scratch, leading commercial strategy and high-performing teams. I secured enterprise PAAS deals with a global financial institution and Korean bank, while designing and launching digital Factoring and Receivables Finance solutions that unlocked working capital for corporate clients. My role spanned strategic partnerships with banks and NBFCs, end-to-end platform development with focus on compliance and scalability, and advising partners through RBI regulatory processes for NBFC-Factor licensing.

Dec 2019 – Dec 2021 · 2 yrs

• Built the non-risk merchant lending business from scratch to net positive contribution margin, owning end-to-end strategy, product roadmap, and P&L. Designed a fully digital, tech-driven customer journey while onboarding lending partners and collaborating with risk teams to develop AI/ML-based customer assessment models. Led cross-functional efforts with growth and campaign teams to optimize conversion funnels and consistently achieve business targets.

Apr 2019 – Nov 2019 · 7 mos

• Built the Supply Chain Finance vertical from the ground up, including team recruitment, financier partnerships, underwriting model development, and dealer onboarding. Developed an innovative 24-hour approval Alternative Lending Model using analytics and core business variables, while managing progressive partner acquisition with focus on risk assessment and scalability. Owned P&L responsibility, transforming SCF into a self-sustaining venture that boosted top and bottom lines for underserved dealers through strategic lender onboarding, cross-functional collaboration, and continuous portfolio performance optimization.

May 2017 – Apr 2019 · 1 yr 11 mos

Apr 2015 – May 2017 · 2 yrs 1 mo · Gurgaon, India

• Revitalized customer engagement and delivered value by collaborating across departments for innovative analytical and digital marketing strategies. Defined strategic partnership objectives that contributed to 40% of top-line and 70% of bottom-line results. Designed a successful bank loyalty program, earning awards for three consecutive years. Achieved substantial customer growth through strategic digital campaigns, increasing active customer counts by 50% in a year and ~350% in three years. Orchestrated digital marketing campaigns resulting in 25% of cross-sell/upsell business and INR 35 million additional revenue. Leveraged bank's platform to boost affiliate revenues and partners' store footfall. Led key projects, including a 14 million increase in mobile-linked customers and launching a successful B2C initiative in a record 6 months.

Sep 2012 – Mar 2015 · 2 yrs 6 mos · New Delhi Area, India

• Primary responsibilities encompass sourcing cases, conducting credit appraisals, assigning risk ratings, composing credit notes for approvals, and maintaining ongoing account monitoring. Additionally, engage in cross-selling of bank products such as CASA, FD, Forex, non-fund based limits, and life insurance

Jun 2011 – Sep 2012 · 1 yr 3 mos

May 2010 – Jun 2011 · 1 yr 1 mo

Dec 2008 – May 2010 · 1 yr 5 mos

Jun 2008 – Nov 2008 · 5 mos