Apr 2024 – Apr 2026 · 2 yrs · Gurugram, Haryana, India · On-site

• Spearheaded the development of “Invest BharatPe” from concept to launch, establishing a robust product offering.
• Expanded the app's capabilities to include Digital Gold, Fixed Deposits, and Mutual Funds, enhancing user engagement.
• Successfully scaled Digital Gold by integrating it into the Merchant and UPI apps, driving > 1 million monthly transactions

Feb 2021 – Mar 2024 · 3 yrs 1 mo · Bangalore Urban, Karnataka, India

• Built out Scripbox Jai Hind - Investing solutions tailored for the Indian Armed Forces
• Led Product Management and Customer Experience for HNI Investors
• Built out Health Insurance

Dec 2019 – Jan 2021 · 1 yr 1 mo · Greater Bengaluru Area

• Led the pricing platform which rendered real time pricing for all products on the site
• Built out a discounting system that would allow more flexibility for business teams to change discounts on Product Display Pages.The category for which this was implemented started contributing 3% more to AJIO's overall revenue
• Built out a Machine Learning driven pricing algorithm which could predict sales of products at different discount points. This would allow business teams to understand the impact of discounts on sales before it went live on site
• Launched GST inclusive pricing on AJIO
• Built out a system that allowed business teams to tweak coupon discounts while minimising the impact on sales. This was done after understanding purchasing pattern of users on the site

Jun 2014 – Nov 2019 · 5 yrs 5 mos · Bengaluru Area, India

• Scripbox is one of India's leading online wealth management platforms.
• Manage end-to-end product for core investment platform ensuring zero error, high availability and flexibility to scale. Includes ownership of feature ideation, collaboration with engineering to build and test, launch, ramp, metrics tracking, subsequent iteration or deprecation.
• Key launches and results have included:
• (a) New asset categories for goals with unique time horizons e.g. tax-saving equity funds, short-term debt funds, debt funds for emergency money. Led to 50X increase in Assets Under Management (AUM) from Rs. 20 Cr ($3M) at joining to ~Rs. 1,000 Cr ($150M) today, culminating in my promotion and venture funding for the company
• (b) New payment methods for customer convenience e.g. Net Banking, physical mandate migration from ECS to NACH system, electronic bank mandates, Unified Payment Interface (UPI), debit cards. Led API discussions with RBL Bank to enable UPI
• (c) Instant electronic bank account ownership verification leading to instant account activation, as well as paperless customer onboarding
• (d) Both subtle and intrusive behavioural nudges that promote long-term investing best practices among individual investors e.g. simple asset allocation algorithm, periodic nudges to increase savings every year and nudges at withdrawal to discourage poorly-timed transactions. Led to AUM increases, lower withdrawals and reduced customer contacts
• (e) Financial engines to enable portfolio reporting (e.g. XIRR and CAGR), fund recommendation changes (e.g. automation), smart withdrawal (e.g. FIFO), capital gains reporting (for tax filing), brokerage calculations (for business metrics and audits)
• (f) v2 architecture to support 10X scale from this point onwards
• Also lead operations team (10 people) and manage relationships with mutual fund companies
• Managing customer escalations on a daily basis to ensure a superior experience and a sense of trust

May 2012 – Jun 2014 · 2 yrs 1 mo · Bengaluru, Karnataka, India

• Built routing rules for a pharmacy major's app to help senior citizens reach the nearest store easily and quickly, in order to fill prescriptions on time, resulting in better medical outcomes
• Analysed point-of-sale customer purchase data from 3,000+ North America retail stores for a cosmetics leader resulting in a better view of store-by-store performance and sales associate effectiveness
• Client prospecting and intelligence to support sales efforts

Nov 2010 – Apr 2011 · 5 mos · Gurugram, Haryana, India

• Pre-sales for IT infrastructure services. Worked on customer acquisition and new business opportunities for healthcare and gaming clients

Jul 2007 – Oct 2010 · 3 yrs 3 mos · Bengaluru, Karnataka, India

• End-to-end server management activities for UK's aviation authority e.g. data replication, recovery, upgrades, change management, outage minimisation. Eliminated need for unneeded spend on new network equipment
• Transitioned server support from UK to India for leading hospitality chain
• Mentored the graduate engineer trainee batch to make them client-ready
• 10+ client awards for outstanding contribution