Jan 2025 – Present · 1 yr 3 mos · Gurugram, Haryana, India · Hybrid

• End to End consulting and advisory for
• 1. Compliance
• 2. Operations
• 3. Fractional CFO and Auditor roles
• 4. Audit
• 5. Taxation
• 6. Setting up business in India, including getting Foreign Capital and related RBI compliance
• 7. Buy and sell listed and unlisted companies and NBFCs
• 8. Getting listed on exchanges (both SME and Mainboard)
• 9. Get licenses for Cat 1, 2 and 3 Alternate Investment Funds (both Mainland and IFSC), NBFC, Other Fintech and BFSI structures
• 10. Get licenses for Registered Investment Adviser, Research Adviser and Mutual Fund Distribution
• 11. Setting up Trusts, LLPs, Private Limited Companies and OPCs, including MSME, Udyam, GST, FSSAI , ISO, BIS licenses and certifications
• Have invested in a food and beverage startup called The Cafict

Dec 2023 – Present · 2 yrs 4 mos · Delhi, India · Hybrid

• Set up India Operations, buy an NBFC and set up lending operations

Aug 2021 – Present · 4 yrs 8 mos · Gurugram, Haryana, India

• Advising Fintech startups on their B2B and B2C Business model, setting up processes, Policy and process documents, investor pitch. Currently working with a Canada based payday lender who are setting up operations in India and an Indian Fintech company servicing Tier 2 borrowers
• Visiting Faculty (Fintech) and Consultant at KU
• Set up payment processes and creating SoP at a major Indian conglomerate
• Advised one Fintech firm (RMV) on their operations strategy
• Coordinated to bring Cashe as a lender to Fintech aggregator Ananta Finance
• Valuation of 2 NBFC-Fintech companies for stake sale
• Fintech Instructor, developed the Femica Fintech education module
• Worked with Aditya Birla Capital on a 7 month project for digitizing their Ops processes
• Working with an EV startup t develop their subscription Model
• Advised 2 Fintech firms for theur fundraising efforts
• Fintech Expert at INC42

Apr 2021 – Present · 5 yrs · Various · Remote

• Consultant for hire on GLG, Atheneum, Third Bridge and similar platforms

Apr 2021 – Present · 5 yrs · Various · Remote

• I help MBA students crack job interviews and pre MBA students crack MBA

Feb 2021 – Oct 2021 · 8 mos · Gurugram, Haryana, India

• Working as a freelance consultant in setting up their India lending business

Sep 2020 – Oct 2023 · 3 yrs 1 mo · Gurugram, Haryana, India · On-site

• Digital Transformation, Automation
• Set up Refund and payment processes end to end
• a. Set up product and processes
• b. Set up CRM and automate the refund process
• c. Payment gateways
• d. Automation of refund
• e. Refund MIS for various modes of payment (payment gateways, prepaid, postpaid and cash on delivery, coupons etc.), reconciliation and handover to finance and audit teams
• f. Commission invoices, negotiation and process set up, automation, API set up, business analysis
• g. Deep analytics
• Set up Reconciliation, Analytics and payment processes end to end
• a. Month Level Sales generated data complied with bill no / order id details
• b. Monthly Order management system recorded data
• c. Total Transaction & Refund report
• d. Gift cards, coupons blocked, Redeemed, Refunded Data.
• e. All orders with details of subscription plan (Active / Purchased but inactive basis refund)
• f. Remittances & Order details of every active/inactive Third party logistics
• g. Any other revenue source missing above
• h. Collection and recovery of Cash on Delivery amounts from 3PL partners
• i. Fleet partners set up, commercials and agreement, reconciliation, cash on delivery handling process set up
• j. Automation of the entire processes, database management, analytics

Mar 2019 – Apr 2020 · 1 yr 1 mo · Gurugram

• Director, BD, Droom Credit. Creator of Droom Credit Score.
• Retail auto loans
• Retail personal loans
• Financial product development (token financing, small sized auto related PL, Dealer financing)
• Business Loans and Credit Line Extensions
• NACh, e-NACH, HP
• Recovery
• Operattions
• Stretegy
• Analytics
• 3rd party Lender onboarding
• Alliances and Partnerships
• Business Development
• NPA Computation
• Onboarded and coordinated with multiple lenders (Banks, NBFC, P2P firms and Fintech organizations for 3rd party loans and insurance on Droom Platform

Nov 2018 – Mar 2019 · 4 mos · Gurugram

• AD, operations at Droom Credit
• NACH
• Product development
• HP
• Onboarding 3rd party lenders
• Small sized loans on own book

Jul 2018 – Nov 2018 · 4 mos · Gurugram

• Credit Risk Engines
• Product and policies
• Risk Management

Oct 2016 – May 2018 · 1 yr 7 mos · Mumbai Metropolitan Region

• Treasury Restructuring, development, audit and review and documentation(Have worked with India's 4 biggest Corporate entities across 2 countries and 4 cities) - Suzlon Adani, Vedanta and Aditya Birla Group
• IFRS 9 - Credit modeling, (PD,LGD,EAD,ECL modeling), Disclosures and regulatory documentation (Have worked in ECL implmentation for a GCC Bank and 1 GCC based mutual Fund
• Reviewed ECL models and carried out substantive testing of 12 GCC banks and FIs - reviewed / implemented IFRS 9 in 15 FIs across 4 countries)
• Provided Training to one Indian bank on IFRS 9 implementation

Nov 2014 – Sep 2016 · 1 yr 10 mos · Mumbai Metropolitan Region

• Headed Business Development, Alliances and Partnerships for MSEI in Maharashtra. Led a team of 2 for increasing revenues. Increased revenue generation by 80% YoY. Average daily participation grew by 40%
• Worked with SEBI and RBI on introduction of cross currencies and extended market hours and easier algo trading norms. Cross currencies have been introduced subsequently
• Proposed introduction of member friendly measures which were incorporated by management leading to increase in volumes and participation
• Increased new membership, activation and reactivation applications in equity, FX and IRS segments

Feb 2013 – Oct 2014 · 1 yr 8 mos · Mumbai Metropolitan Region

• Coordinated Membership and Inspection related activities with stakeholders like Regulators (SEBI, RBI), members, Clearing Corporation, retail and corporate clients at subsidiaries of Jaypee Capital
• Led a team of 2 in valuation of exchange for merger with BSE
• Coordinated collection of Base Minimum Capital and other penalties and dues for the Exchange. Brought down dues from more than 1 Crore to a few thousands
• Introduced a cross functional fee structures that generated revenues of INR 6 million for the exchange in a span of 6 months

Apr 2009 – Jul 2012 · 3 yrs 3 mos · Greater Kolkata Area

• Traded FX and Commodities in South Asian Markets
• Conducted awareness sessions on FX for retail investors, currency dealers and students in East and South India. Guest lecturer at various forums including CII National Conference, Hyderabad Stock Exchange and VGSOM, IIT KGP.
• Part of a team which set up currency futures exchange United Stock Exchange- prepared roadmap along with management for membership drive pan India. Coordinated roadshows with members, industry associations and trade bodies

Apr 2008 – May 2008 · 1 mo

• Analyzed effect of Securities Lending and Borrowing on price, volatility and volumes in Indian markets and compared it to a similar markets in South and East Asia
• Analysed effect of Direct Market Access and algorithmic trading on price, volatility and volumes in Indian markets
• Managed an equity portfolio of 9 mid-cap stocks and generated 7-8% profits. Analyzed Pair Trades to identify a pair on based on historical price data
• Analyzed the Indian oil and gas sector and attended analyst meetings of both upstream and downstream companies

May 2006 – Jun 2006 · 1 mo

• 1. Analyzed Real Time Petrophysical data at Krishna-Godavari basin and made suggestions for increased productivity
• 2. Pre placement offer from company based on performance