Nov 2021 – Present · 4 yrs 5 mos · Mumbai Metropolitan Region

• Data Sutram creates insights using intel from 250+ sources to give you accurate micro-market & places data, for your data teams, decison makers, managers & field force.

Apr 2021 – Present · 5 yrs · Bengaluru, Karnataka, India

• PayGlocal is a FinTech solving for global payments acceptance. Our tech stack is used by merchants and aggregators to securely process payments from around the world for high approval rates with low risk.
• PayGlocal offers end to end payment processing, risk management and a global stack for accepting payments.
• The founders of PayGlocal are ex-Visa professionals who have worked extensively in the merchant and acquirer space and understand that cross-border payment funnel need to be handled differently for appropriate experience to the end customers with low risk exposure of a transaction.

Dec 2020 – Present · 5 yrs 4 mos · Bengaluru, Karnataka, India

• Digital-first debt collections platform that is driven by compassion, and powered by AI At CanPe, we are building the next generation intelligent SAAS engine (iCanPe) for debt collections. We seek to disrupt early arrears management and NPA recovery for financial institutions. Our engine is powered by sophisticated AI/ML algorithms and is based on a digital-first compassion-led approach. Lenders across the globe continue to face mounting losses despite enhanced focus on credit management operations. Our rigorous science-based approach enhances collections and recovery while bringing transparency and efficiency to your process. We do so by honoring customer choices and respecting their right to privacy.

Nov 2020 – Present · 5 yrs 5 mos · Mumbai, Maharashtra, India

• Founded by the team that built India's first PG in early 2000's and then Electra card. Phi Com is epitome of what an extremely solid Tech team can build. It is backbone of Bharat :-)

Oct 2020 – Present · 5 yrs 6 mos · Delhi, India

Apr 2020 – Present · 6 yrs · Mumbai, Maharashtra, India

Mar 2020 – Present · 6 yrs 1 mo · Mumbai, Maharashtra, India

Jan 2020 – Present · 6 yrs 3 mos · Delhi, India

Oct 2019 – Present · 6 yrs 6 mos · Mumbai, Maharashtra, India

Feb 2019 – Present · 7 yrs 2 mos · Mumbai, Maharashtra, India

Jun 2018 – Present · 7 yrs 10 mos · Mumbai Area, India

• Idea's, Execution
• The Fintech MeetUp is founder of and runs
• India's Biggest Fintech Accelerator (Mumbai Fintech Accelerator (Cohort 1) in partnership with 2 govt and 8 large corporate. (As per engagement with Govt of Maharashtra we ran cohort 1)
• Annual Fintech market connect initiative called The Fintech Yatra (www.thefintechyatra.com)
• An Epic road journey of
• 10,000 km , 50 days , 20 city, 500 startup connect
• Yatra Angel Network : Early Stage FinTech start-up Investment Network
• Foundationally led by Angels having
• 1. Domain Expertise
• 2. Network
• 3.. Funds to Invest
• In Fintech's led by passionate founder's.

Mar 2016 – Mar 2018 · 2 yrs · Mumbai

• Cashless Journey is my personal and completely non-profit endeavor to understand the challenges and opportunities in our journey as a society towards "Digital first Cashless Society". During this experiment (Essentially I have stopped using cash and use only Digital or card based medium to pay) I have travelled length and breadth of India and Singapore. In coming months will expand it further to Bangladesh and Sri lanka.
• On 13th March I started cashless journey experiment with the firm belief that cashless society ( Driven by Fintech Revolution) is the right way forward towards
• Financial inclusion
• Curb the menace of black economy
• This is longest running experiment globally and I have written about it at length on various online and print media platforms
• 1. LetsTalkPayments : https://letstalkpayments.com/the-cavinkare-moment-of-indian-banking/
• 2. Allpaymentsexpo : http://www.allpaymentslive.com/cashless-in-mumbai/
• 3. ThePaypers : http://www.thepaypers.com/expert-opinion/mobile-wallets-business-case-the-day-convenience-overpowers-greed/765041
• 4. Financial Express: http://www.financialexpress.com/personal-finance/cashless-in-india-50-days-journey-of-a-fintech-professional/269678/
• Spoke about it at various conferences and have given Tedx Talks
• 1. http://bankingfrontiers.com/event/paynext2016/
• 2. ipc.govtoday.in
• 3. http://www.tedxnmims.com/
• 4. TedxIIMIndore
• 5. 12th Motilal Oswal Annual Global Investor Conference on 1st Sept 2016
• 6. IIM Bangalore : http://www.iimb.ernet.in/node/15331
• 7. IIT Bombay
• 8. Indian Express BFSI
• And will be Visiting Sweden on invite of Swedish govt. at their Fintech focused event "Money Talk" (November 2016) to share about cashless journey experiment.
• The purpose of journey is to share and bring forth to one and all the insights that are based on actual on ground visits and not theory. I share most of these at Industry platforms or Management Institutions. However due to bandwidth issues unable to have one on one conversations.

Dec 2015 – May 2018 · 2 yrs 5 mos · Mumbai Area, India

• Started with Domestic Prepaid then to Domestic+Forex and Finally was responsible for building Financial Inclusion focused client segment.(With practically all of SFB and PB being my clients).
• 2.5 years of absolute creative freedom and amazing learning opportunity.

Jun 2015 – Dec 2015 · 6 mos · Mumbai Metropolitan Region

• Started first of its kind Institutional domain in mobile wallet ( Mobile Payments) industry in India. For the first time mobile payments are now considered as a transaction banking ( cash management) solution. Part of founding team, Involved in long term strategy, Platform, Distribution, Budgeting and Product (P2P, B2P, P2B, G2P, Merchant and P2G), Payments Bank Application
• 1. Legal: Worked with legal team for creating agreements and proposals for Merchant, Cash Management, Payroll and Govt. Disbursement.
• 2. Cross Functional Team Alignment
• 3. Regulatory and Senior Govt. official Presentation: Representing m-pesa in meetings with Finance Sec, Dept of Finance, RBI, Central and State govt officials.
• 4. Solutioning and Presentation to Top Management: For large corporates (Walmart, Nielsen, Conagra etc).
• 5. Training (Material Creation and Roll out): Lead Pan India roll out by conducting in person training (16 out of 23 circles) for the sales team.
• 6. Global Best Practices: Bringing the global best practices to India (M-KOPA, Freemium, Water ATM)

Dec 2013 – May 2015 · 1 yr 5 mos · Mumbai Metropolitan Region

• Started the Institutional Business ( B2C/ C2B/G2P and B2B) Domain in M-Pesa
• Developed Mobile Wallet platform for Institutional clients by leading a cross functional team
• Responsible for Strategy, Innovation and Business development for M-Pesa Enterprise Segment, By Working closely with
• 1. Government departments like NRHM, NREGA, Dept of Social Welfare and Dept. of financial services etc .
• 2. Large Multinational corporations for cash management requirement.
• 3. Putting in place the building blocks of Learning & Development, EDM's, Business Kits.
• 4. Representing M-Pesa at various conferences and summit level interactions.
• Started large scale govt disbursal programs in
• 1. MP : JSY disbursal under National Rural Health Mission started from Vidisha district.
• 2. Odisha : NREGA wage disbursal started from Ganjam district
• 3. Gujarat : ICD and Anganwadi worker in Baroda.
• 4. Haryana : Pension disbursal in Karnal and Mahendragarh
• 5. Rajasthan : EMI collection under National Rural Livelihood Mission
• Received MegaSStar Award for M-Pesa presentation to Prime Minister of India during Jan Dhan Yojana Launch.

Apr 2012 – Dec 2013 · 1 yr 8 mos · Mumbai Metropolitan Region

• Develop and manage relationships with Non banking Finance Companies (NBFC) and Insurance companies.
• Identify opportunities for lending, PSL pool buyout, Tier-II and NCD investments.
• Assessing credit worthiness of potential credit relations.
• Ensuring cross-sell of cash management, salary mandates, treasury and trade products.

Sep 2011 – Apr 2012 · 7 mos

Feb 2010 – Aug 2011 · 1 yr 6 mos

• 1. Sourcing PCM Mandates- Rated Top Performing Product Staff (PCM) for 2010.
• 2. Developing propositions to enhance NTB acquisition.
• 3. Taking Ecosystem Initiatives.

Jul 2008 – Jan 2010 · 1 yr 6 mos

• 1.Lead a Pan India no 2 team of 8 Asst. Sales Managers in Acquisition and Development of client base via offering competitive and value added Cash Management and Trade Solutions (LC Advising /Discounting /Confirmation /Forfeiting /Buyer’s credit /UPAS).
• 2. Initiated “New channel of business development” for acquisition of Project/Branch/Liaison office accounts.

Apr 2007 – Jun 2008 · 1 yr 2 mos

• Key Responsibility
• 1. Achieve Current Account & revenue targets through a team of 4 Sales Managers.
• 2. Cross-selling General Insurance, Life Insurance, Mutual Fund, Bullion, CMS & E-banking Platforms for e-gov. initiatives.
• 3. Ensuring compliance & identifying value enhancement opp. in “Existing business model (New Product Development”.
• Significant Achievement
• 1. Won mandate of biggest ever General Insurance deal in ICICI Bancassurance History.
• 2. Among Top-3 ( All India ) in bullion fees generation.

Jun 2005 – Mar 2007 · 1 yr 9 mos

• June 2005-March 2007 with ICICI Bank Ltd. as Sales Manager (Liabilities).
• Key Responsibilities
• 1. To recruit,train,manage and mentor a team of 25-30 sales executives in Raipur, Korba,
• Ambikapur & Raigarh to acquire liabilities ( Current Account , Float and Fixed Deposit)
• relationships.
• 2. To achieve revenue targets through a range of 3rd party products .
• 3. To enhance relationship value of key SME clients.
• 4. To ensure compliance of “Know Your Customer”,fraud and anti-money laundering policy adopted by the bank.
• 4. To promote & launch new branches (Korba & Ambikapur) and products to SME clients.
• 5. To reduce the number of dormant relationships below 10% of the clientele.
• Significant Achievement
• 1( A). National No-1 Sales Manager ( liabilities ) for the year 2005-06 and 2006-07.
• 1( B). No-1 position all India in team productivity (year end MIS).
• 1(C). Part of ICICI Talent pool top 4 % of total employee base.

May 2004 – Jul 2004 · 2 mos

• Identify and implement opportunities of Market & Visibility enhancement. ---------- Added record 114 new retail counters in period of 70 days.