Divyanshu Anand — CEO

Business leader with 14+ years of experience at the intersection of Payments, IOT Devices , Lending and Technology — building platforms that serve millions of merchants & consumers across India at scale. Currently leading the Offline Payments & Merchant Devices business at Paytm, overseeing one of India's largest IoT-deployed merchant ecosystems — spanning Soundbox, EDC devices, and smart payment hardware (AI Device). My work sits at the crossroads of hardware distribution, data-driven monetization, and platform thinking. I leverage data science and analytics to drive pricing strategy, improve merchant retention, and optimize recurring revenue — turning device intelligence into business outcomes. Previously, built the used-car lending vertical at Cars24 from zero to a profitable, scaled business — combining credit analytics, alternate data models, and a multi-lender distribution framework (own NBFC + Lender partnerships) to serve customers & used car dealers across the full credit spectrum, from prime to sub-prime to new-to-credit (NTC). What drives me: complex, unstructured problems where the answer lies at the intersection of technology, data, and a deep understanding of customer / merchant behavior. Whether it's deploying millions of IoT devices in the hands of small merchants or solving for credit access in an underserved market — I believe the best solutions are built when business intuition meets analytical rigor. 🎓 IIM Mumbai | Delhi College of Engineering

Stackforce AI infers this person is a Fintech leader with expertise in IoT and data-driven business strategies.

Location: Gurugram, Haryana, India

Experience: 13 yrs 3 mos

Skills

P&l Management
Data Science
Product Management
Credit Analytics
Vendor Management
Customer Experience
Materials Planning

Career Highlights

Led India's largest IoT-enabled merchant platform.
Built profitable used-car lending business from scratch.
Expert in data-driven monetization and pricing strategies.

Work Experience

Paytm

Vice President (2 yrs 7 mos)

CARS24

AVP Consumer Lending (3 yrs 10 mos)

Paytm

Merchant Management- GTM for EDC devices (1 yr 8 mos)

Merchant Management and Experience (1 yr 8 mos)

Grofers

City Head- Bangalore (1 yr 2 mos)

Britannia Industries Limited

National Materials Planning Manager (1 yr 7 mos)

Management Trainee (6 mos)

Internship (1 mo)

Aricent Group

Software Developer (10 mos)

Education

at Indian Institute of Management Mumbai

MBA at Indian Institute of Management Mumbai

BE at Delhi College of Engineering

at Ryan International School

Divyanshu Anand

CEO

Gurugram, Haryana, India13 yrs 3 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

Led India's largest IoT-enabled merchant platform.
Built profitable used-car lending business from scratch.
Expert in data-driven monetization and pricing strategies.

Stackforce AI infers this person is a Fintech leader with expertise in IoT and data-driven business strategies.

Contact

Skills

Core Skills

P&l ManagementData ScienceProduct ManagementCredit AnalyticsVendor ManagementCustomer ExperienceMaterials Planning

Other Skills

Digital PaymentsIoTBusiness AnalyticsData ModelsLendingPartnership ManagementTeam ManagementProduction ManagementGo-to-Market StrategySupply Chain ManagementRequirements AnalysisBusiness AnalysisBusiness DevelopmentDigital MarketingBrand Management

About

Experience

13 yrs 3 mos

Total Experience

2 yrs 2 mos

Average Tenure

2 yrs 7 mos

Current Experience

Paytm

Vice President

Sep 2023 – Present · 2 yrs 7 mos · NCR · On-site

Leading one of India's most extensive IoT-enabled merchant platforms — managing a fleet of Soundbox and EDC devices deployed across millions of micro-merchants and SMBs nationwide.
Own end-to-end P&L for the Offline Payments & Device business, with accountability across subscription revenue, device monetization, pricing, and PIDF-linked initiatives
Drive data science-led strategies for merchant segmentation, churn prediction, and dynamic pricing — translating device and transaction data into actionable growth levers
Spearhead IoT product expansion in collaboration with Product and Engineering teams — including AI-enhanced capabilities on the Soundbox platform (part of the team that launched the AI Soundbox)
Partner with Finance, Data Science, and Merchant Helpdesk functions to build intelligent, scalable merchant solutions across India's offline commerce landscape
Focused on building durable, EBITDA-positive recurring revenue streams anchored in device intelligence and merchant behavior data

Digital PaymentsP&L ManagementData ScienceIoTBusiness Analytics

Cars24

AVP Consumer Lending

Dec 2019 – Oct 2023 · 3 yrs 10 mos · Gurugram

Built the used-car lending business at Cars24 from the ground up, transforming it into a profitable vertical spanning both consumer and business lending.
Led P&L ownership for Cars24’s lending operations, funnel managment from Topf of App to car purchase with / without loan
Special solve around product-market fit i.e Pricing (ROI) , tenure of loan and Loan to Car value ratios to drive offtakes or to simplify the consumer buying decision of a used car
Scaled the business through a dual model — leveraging Cars24’s own NBFC (Cars24 Financial Services) and a tiered distribution network of banks and NBFCs to serve customers across the prime to NTC credit spectrum.
Built alliances and partnerships with key lenders such as Bajaj Finance, Poonawalla Fincorp, Tata Capitals , IDFC Bank, ICICI Bank managing structures including FLDG and JV models
Leveraged alternate data models and credit analytics frameworks to determine pricing (ROI), loan-to-value ratios, and tenure structures — turning data into product-market fit decisions at scale

P&L ManagementCredit AnalyticsData ModelsLendingPartnership Management

Paytm

2 roles

Merchant Management- GTM for EDC devices

Apr 2018 – Dec 2019 · 1 yr 8 mos · Noida Area, India

Merchant Management and Experience

Aug 2016 – Apr 2018 · 1 yr 8 mos · Noida Area, India

Grofers

City Head- Bangalore

May 2015 – Jul 2016 · 1 yr 2 mos · Bangaon Area, India

1) Complete Bangalore Team set up from Day-1
2) Managing Last Mile delivery team
3) Managing first mile pick up team
4) Procurement team
5) Vendor Management
6) Customer Experience

Team ManagementVendor ManagementCustomer Experience

Britannia industries limited

3 roles

National Materials Planning Manager

Jun 2013 – Jan 2015 · 1 yr 7 mos

As National Materials Planner , my responsibility is to ensure timely delivery in right quantity and quality of Raw Materials and Packaging Material at all Biscuit/Rusk/Cake plants of Britannia Industries
KRA:
1) Ensuring that there is no halt in Production
2) Minimal write-offs due to obsolescence
3) Timely transition to promos/new launch across India at same time
My touch points are:
Brand Team: to get insights about transitions like promos or new SKU's which could require change in laminate or raw materials
Production Team: to get production plan based on demand plan thrown by APO in weekly and monthly buckets
Purchase Team: to get lead time or delivery time
R&D: conditional shelf life extension to avoid write-offs

Materials PlanningProduction Management