Jan 2025 – Sep 2025 · 8 mos · Bengaluru, Karnataka

• Evaluating the direction for the next few decades, learning lateral subjects and enjoying being a father of two girls

Jul 2024 – Dec 2024 · 5 mos · Bengaluru, Karnataka, India · On-site

• Did extensive market research for financing solutions and SaaS solutions for SMEs
• Formed a hypothesis around an SCF product construct that makes sense for SMEs under 10cr annual turnover
• Led the product development, before shutting the efforts mid-way for various reasons, primarily not being able to gather resources and forge key partnerships needed to take a POC off the ground.

Jul 2021 – Jul 2024 · 3 yrs · Bengaluru, Karnataka, India

• Vyapar is a leading Billing and Accounting app catering to 9l+ MAU to manage their business digitally and efficiently
• => Started the fully digital business loan program for Vyapar users working with some of the leading NBFCs in the space
• => Started the compliance service offering around GST registration / GST compliance and more
• => Conceptualized and kickstarted an invoice financing program to fund account payables for Vyapar users
• => Piloted a bunch of other programs with established partners (Razorpay Capital, Mintifi, Aditya Birla Home Loans, Velocity pay, Digit Insurance, Nielsen IQ) - around various use cases (Line of credit, Supply chain financing, Secured Loans, Vendor Payments, Shop Insurance, Market Research) and the likes.
• => Led a bunch of growth partnership discussions with leading FMCG brands, Banks and other MSME service providers.
• Overall, some things worked, but many more didn't. This helped create a playbook within the org to pilot and launch a wide category of offerings to its users

Sep 2019 – Apr 2021 · 1 yr 7 mos · Bengaluru Area, India

• Udaan Capital (Hiveloop Capital Private Limited) is an RBI licensed NBFC and a wholly-owned subsidiary of Udaan.
• I led new credit initiatives for retailers that are primarily part of the Udaan ecosystem.
• => Led the sales, operations and engagement for working capital credit initiatives to off-udaan retailers
• => Led the product-market fit journey, set up the remote onboarding operations and helped create the product and GTM strategy for Creditbuy+, a revolving working capital line for retail shops
• => Scaled the program from scratch, later overseeing the retention and growth metrics of creditbuy+ users

Apr 2018 – Aug 2019 · 1 yr 4 mos · Bengaluru Area, India

• Acko is a new age insurance company that caters to the changing nature of user needs and behaviour in today's digital-first economy. We are an IRDA licensed insurer and not an intermediary, which gives us the flexibility to create innovative products delivered via unique channels.
• => Led the new business and product initiatives to cater to customers/partners of various Consumer Internet companies (Rapido, Redbus, Lendingkart, Zomato, Zoomcar and many more).
• => Managed various projects from policy issuance to claims FNOL by closely working with the internal and external product and business teams
• => Worked closely with the operations and claims team to optimize the user claims journey for internet partners

Nov 2015 – Apr 2018 · 2 yrs 5 mos · Mumbai Area, India

• Co-founder of Expowealth - an online, no-commission investment planning platform.
• Built a b2c platform for investment and advisory. Also built our foray in b2b consultancy and SaaS products. At its peak, Expowealth had 70cr AUM (not AUA) and had three 11 leading brokers and startups as its clients.
• => 1/11 start-ups selected by the global accelerator Startupbootcamp Fintech for Mumbai chapter
• => 1/3 teams to represent Govt. of Maharashtra at the Singapore Fintech Festival 2017
• => Clocked an AUA of ₹80cr+ in a period of 10 months since launch in March 2017

Jun 2014 – Nov 2015 · 1 yr 5 mos · Mumbai

• Joined the LEAP program which is a part of Group's effort for grooming its management cadre.
• 1) Aditya Birla Finance Limited (ABFL), Mumbai - Worked at Aditya Birla Finance Ltd for a period of three months in the products team working on proof of concept for commodity finance products and helped set up the investments desk in ABFL
• 2) Idea Cellular, Mumbai - Joined as part of the Opex commercial team at Idea Cellular for three months where i was responsible for negotiating and closing VAS proposals and other marketing campaigns.
• 3) Novelis Inc, Atlanta - Helped analyse the supply chain of Ford F150 2015 for the production ramp up at the North America Supply chain team of Novelis in Atlanta
• 4) Birla Sun Life Insurance - As part of the Birla Sun Life Insurance's Group Sales team, I was the product manager for Affinity related products, building presence of BSLI in the non Employer-Employee groups and associations

Apr 2013 – May 2013 · 1 mo · Singapore

• 1) Worked at the FX flow sales desk that deals with the institutional clients in the APeJ region. Studied technical and macro economics trends in the price movement of major currencies and pitched trade ideas for the clients
• 2) Worked at the hybrids trading desk dealing with cross asset trade execution where i built a pricing tool for a trade involving a credit and a currency swap instrument.

Feb 2010 – Jun 2012 · 2 yrs 4 mos · Mumbai

• 1) Equity Derivatives Group - Worked with the global team based out of london where I helped create and back test proprietary rule based indices and pitched structured products to clients
• 2) Global Equity Research - Worked with the Asia Infrastructure team based in Hong Kong where i helped cover research on ports, toll rods, airports and construction contractors.

Jul 2009 – Jan 2010 · 6 mos · Gandhinagar, Gujarat

• Traded Euribor interest rate futures on LIFFE using technical and fundamental analysis affecting the entire yield curve. Experienced in various instruments such as Outrights, calendar spreads, butterflies, condors, etc

Jun 2008 – Aug 2008 · 2 mos

• Summer Intern at Engineering Projects Planning division