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Ayush Mittal

Director of Engineering

Mumbai, Maharashtra, India11 yrs 9 mos experience
Most Likely To SwitchHighly Stable

Key Highlights

  • Led high-impact consulting projects across multiple sectors.
  • Expert in consumer finance strategy and risk management.
  • Published expert columns on technology's impact in finance.
Stackforce AI infers this person is a Fintech expert with extensive experience in consulting and risk management.

Contact

Skills

Core Skills

Business StrategyP&l ManagementP&l PlanningCredit UnderwritingRisk AnalyticsContent DevelopmentProject ManagementConsultingOperational EfficiencyCost ReductionSales StrategyMarket StrategyDue DiligenceLean ManagementDigital StrategyCommercial Strategy

Other Skills

Market AnalysisProductivity ImprovementNegotiationTrainingGeographic AnalysisMarket ResearchOperations ImprovementReport WritingSystem IdentificationControl SystemsMatlabElectrical EngineeringCC++Java

About

An ex-McKinsey consultant Heading Consumer Risk and Growth Strategy at InCred Financial Services Limited.

Experience

11 yrs 9 mos
Total Experience
5 yrs 10 mos
Average Tenure
7 yrs 8 mos
Current Experience

Incred financial services

4 roles

Director

Promoted

May 2025Present · 1 yr 1 mo

  • I manage P&L and Business Strategy for InCred’s Consumer Finance Business.
Business StrategyP&L Management

Senior Vice President

Promoted

Oct 2022May 2025 · 2 yrs 7 mos

  • I head the P&L planning and delivery for InCred’s Consumer Finance business. I lead a team of Business Analysts that create alpha generating credit underwriting strategies for the business. I work with the CEO and CTO on the product strategy and roadmap for Consumer Finance.
P&L PlanningCredit Underwriting

Vice President - Risk Analytics

Apr 2020Sep 2022 · 2 yrs 5 mos

Risk Analytics

Assistant Vice President - Risk Analytics

Aug 2018Mar 2020 · 1 yr 7 mos

Risk Analytics

Times of india

Expert Columnist for ToI+

Jul 2021Present · 4 yrs 11 mos · India

  • I write for Time of India on the disruptive impact of Technology and Data Science in Consumer Finance. I have written 8 expert columns for ToI plus till date.
Content Development

Mckinsey & company

Associate

Jun 2014Jul 2018 · 4 yrs 1 mo · Delhi

  • Led high impact projects across multiple sectors including Agriculture, Healthcare, Chemicals, Paper, Cement, Mining and Industrial Utilities spread across multiple geographies including India, SE Asia, USA and Australia
  • Merger Due Diligence for two leading Multinational Agrochemical companies and mapping potential for revenue growth through synergies arising from amalgamation of product and geography portfolios.
  • Operational transformation for Paper Manufacturer in SE Asia by implementing key initiatives to maximize paper machine productivity, speed and output quality
  • Commercial cost reduction program for a leading Metals and Mining Player resulting in savings of USD 200M+ through levers such as low cost sourcing, e-auctions, service contract negotiations and logistics optimization.
  • Sales and Marketing acceleration project for a leading Agrochemical company in India across high potential Agricultural districts. Led initiatives for field officer recruitment and training, distributor on-boarding, working in collaboration with Zonal Business Heads
  • International Market expansion strategy for a leading Industrial Utility player in SE Asia and Middle Eastern markets. Mapped potential geographies and user industries such as F&B, cement, textiles, paper and pulp to estimate the opportunity and identify key value proposition for different products.
  • Due Diligence for a leading PE firm for an acquisition in the Medical Diagnostic industry
  • Lean operations implementation project for a leading Auto Component Manufacturer in India.
  • Drafted a Report on Trillion Dollar Digital Economy Vision and Roadmap in collaboration with Ministry of Electronics and IT. Identified priority digital initiatives for transformation of majors sectors of the economy including Agriculture, Finance, Health, Telecom, IT-BPM, logistics and transportation, in extensive consultation with Cabinet Ministries and Chief Digital Officers of leading private sector organizations.
Project ManagementConsulting

India today

Consultant

Apr 2014May 2014 · 1 mo · Noida Film City

  • Content developer and consultant for NewsFlicks - India Today's App platform for news in the form of infographics and picture based storytelling
Content Development

Mckinsey & company

Summer Associate

Apr 2013May 2013 · 1 mo · New Delhi Area, India

  • Commercial GTM strategy for a leading cement player in Bangladesh
Commercial Strategy

Abb

Research Assistant

May 2011Jul 2011 · 2 mos · Bangalore

  • Project on System Identification using the Hammerstein's Model , Control and Optimization Department
System IdentificationControl Systems

Voith hydro

Engineer Intern

Dec 2009Dec 2009 · 0 mo · Noida Area, India

  • Industrial training at Voith Hydro , Noida
  • Project title: Interfacing of Power Plant Control Cubicles

Education

Indian Institute of Management Ahmedabad

Master of Business Administration (MBA) — General

Jan 2012Jan 2014

The University of Chicago Booth School of Business

Master of Business Administration (MBA) — Finance

Jan 2013Jan 2013

Indian Institute of Technology, Delhi

Btech — Electrical Engineering

Jan 2008Jan 2012

Ecole des Mines de Nantes

Bachelor's degree — Automation Engineer Technology/Technician

Jan 2010Jan 2010

DPS RK Puram

High School — Science

Jan 2005Jan 2008

Indian Institute of Technology, Delhi

Bachelor of Technology - BTech — Electrical and Electronics Engineering

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