Apr 2025 – Sep 2025 · 5 mos · Gurugram, Haryana, India · On-site

• Feature optimisation:
• 1. Onboarding: Building India's fastest card out rate (10 mins TAT), card activation up from 30% to 70%
• 2. Delivery optimisation system: Reducing card delivery TAT to 2 days (digital card)
• Scale of operations: 1500 card activation / month (10x in 5 months)

Nov 2023 – Feb 2025 · 1 yr 3 mos · Gurugram, Haryana, India · On-site

• 1. Launched unsecured (Personal Loan,MSME Business Loan, Supply Chain Finance) and secured loan (Auto Loan) via 4 co-lending partnership( Bank & NBFCs).
• 2. Reduced lender and borrower product integration timeline from 180 days to 45 days
• Product scale: $200M AUM (scaled in 12 months), ~$17M monthly disbursal volume.1.

Nov 2022 – Oct 2023 · 11 mos · Gurugram, Haryana, India · On-site

• 1. Spearhead the design & development of embedded lending journey (0 to 1) for Supply Chain Finance Program; achieved a disbursement rate of 75% (i.e. 60 Cr out of 80 Cr worth of loans) within first month of program launch
• 2. Led end to end management of 100+ Fintechs/Market Places/Payment Aggregators through API Integration or Web App or PaaS
• 3. Conceptualized a scalable collections orchestration layer to route NACH, eNACH, and UPI AutoPay flows, future-proofing the platform for additional payment rails (UPI, BBPS,Cards)
• Feature Optimisation:
• 1. Achieved more than 99% success rate for mandate presentation & settlement and improved first-time presentation accuracy
• 2. Reduced manual ops effort by 80% through a real-time MIS dashboard, settlement tracking & exception queues

May 2022 – Oct 2022 · 5 mos · Gurugram, Haryana, India · On-site

• 1. Leading D2C campaigns up-sell & cross-sell banking products-10lacs notification/month in form of SMS & Email
• 2. Business Analytics of Premium Acquisition Channel; designed campaigns to meet targets on CASA,Deposit & Loans

Jan 2021 – Apr 2022 · 1 yr 3 mos · Mumbai, Maharashtra, India · On-site

• 1. Improved tracking of new client acquisition (Current & Savings Account, Fixed Deposits) and cross-sell products through Performance Dashboard on Account Level Product Holding & Activation for all channels - Relationship Managers, Branch Managers and Premium Acquisition Channels
• 2. Optimised business development effort by more than 75% by implementing ENACT platform(budget allocation platform) across urban and rural branches; reducing costs by 35% through product-led ops efficiency

Dec 2020 – Dec 2022 · 2 yrs

Jul 2019 – Nov 2020 · 1 yr 4 mos · Delhi NCR

• Orient Electric Ltd, (11 months) – Program Manager (Digital Transformation)
• 1. Managed the implementation & adoption of major digital transformation programs - Sales Force Automation, Distributor Management System, Order & Inventory Management, Order to Cash and Procure to Payment
• 2. Preparation of As-Is and To-Be Process doc. & getting it approved in Steercom Meeting and Leadership Forum
• 3. Commercial Negotiations for finalizing Technical Service Providers / SaaS provider for project execution
• 4. Liaised with external & internal stakeholders to ensure on-time delivery of Sandbox & Pilot Testing and Go-Live
• 5. Conceptualized communication capsules; circulated on weekly/fortnightly basis to embrace change management
• Office for Growth & Strategy, (6 months) – Associate Consultant
• 1. Developed blueprint & implication through scenario planning exercise for Group’s Long-Term Planning
• 2. Identified trends in automotive space by analyzing macro-economic factors and consulting industry experts
• 3. Developed a nuanced 2x2 decision model on two key parameters i.e. Asset Light/ Heavy Model & IC/EV engine
• 4. Derived insights through market research, multiple discussion with senior leadership and Steer com meeting

Apr 2018 – May 2018 · 1 mo · Mumbai Area, India

• 1. Go-to-market assessment, recommended portfolio of 15 out of 519 antibodies
• 2. Derived insights from 5 expert interviews incl. Dr. Suresh Advani (1st Indian Oncologist) on price & efficacy
• 3. Evaluating peers for contract manufacturing based on price, quantity and DCGI approval on clinical trials

Feb 2016 – May 2017 · 1 yr 3 mos · Gurugram · On-site

• 1. Impacted and led to more than 10% efficiency improvement for analysts through consolidation of financial models
• 2. Facilitated Credit Policy team to make rating decision on ICRA rated clients; summarized on PE investors
• 3. Achieved better than 20% optimisation of time for collation of data; commended for minimum error rates
• 4. Consolidated Peer Comparison & Rating Benchmark Models of sectors to expand on analyst toolkit
• 5. Summarised rating changes of 1,200 ICRA rated entities based on default, rating transition, investment grade
• 6. Facilitated preparation of Monthly Bulletin Report for internal circulation - consumption by over 300 Analysts

Jun 2014 – Mar 2015 · 9 mos · Gurgaon, India · On-site

• 1. Increased operational efficiency by more than 25 % by developing an innovative client outreach system
• 2. Achieved savings more than INR 8 LPA by enhancing credit assessment models & limiting field investigation
• 3. Generated additional business INR 3 crores by taking over fresh clients’ existing loan at zero acquisition cost
• 4. Structured loan eligibility of salaried & self-employed clients based on income, CIBIL, repayment track record
• 5. Conducted personal discussion session with self-employed client to verify & assess their business strength