Mar 2024 – Aug 2024 · 5 mos · Noida, Uttar Pradesh, India

Oct 2022 – Mar 2024 · 1 yr 5 mos · Noida, Uttar Pradesh, India

• Heading product for Payment instruments in Paytm Payments Bank. Looking after Product for Wallet, KYC, Savings and Current account, Fastag, NCMC, Agent app, CST product and consumer app for banking products.

Aug 2020 – Sep 2022 · 2 yrs 1 mo

• Driving the vision of insurance on Paytm through product led initiatives. Experience of managing :
• 1. Marketplace for insurance products (Car, Bike, Health, Life)
• 2. Insurance attachment products in various transactions
• 3. ML and data based pricing
• 4. Channels including DIY purchase on App & Website, SEO based traffic generation, Assisted sale via Agents, Assisted sales via call centre.

Oct 2019 – Aug 2020 · 10 mos

• Got the opportunity to lead the setup phase and initial ramp up of distribution business for Paytm. Key deliverables :
• 1. Licensing with IRDAI to get distribution license
• 2. Partnership with insurance companies to sell insurance on Paytm and commercial negotiations
• 3. Built teams across business, product, tech, compliance, CST, operations
• 4. Launched the platform and grew platform to 16+ insurers across car, bike, health and life insurances
• 5. Setup business from 0 to 1 and grew 10x in first year by product initiatives

Apr 2019 – Oct 2019 · 6 mos

• Led the insurance function and helped plan the transition from corporate agency to broking model.
• Launched 8 insurers on marketplace and many Group Products on the platform for customers and merchants.
• Business ownership :
• Annual business planning
• PnL ownership for insurance vertical
• Corporate offerings and tie-ups for insurance
• Strategy and Planning of business offline distribution network
• Managing key partnerships and commercial negotiations
• Signed up 5 new insurers under Corporate Agency Network

Apr 2018 – Mar 2019 · 11 mos

• Launched marketplace for insurance for car, bike, health and life insurance
• Launched following lending products :
• Paytm First Card
• Loans platform for Paytm merchants
• EMI offering with zestmoney on Paytm Mall
• Two wheeler loans on bike category Paytm Mall with ability to offer Pre Approved loan offers

Apr 2017 – Mar 2018 · 11 mos

• Set up the insurance function from scratch and launched various insurance products :
• Cancellation Protection for Movies, Bus, Flight, Train bookings on Paytm.
• Platform for Bite Sized insurances like Dengue insurance, Smog insurance, Personal accident and 15 more such products.
• Attachment products like Travel insurance, mobile insurance, warranty

Nov 2015 – Apr 2017 · 1 yr 5 mos

• Product Head for Paytm Payment Bank
• Defined the product roadmap and strategy for building the fully digital bank
• Launched the Paytm Payment Bank with following features
• Savings account
• Debit-cum-ATM card (Rupay)
• Branch Setup - KYC, Cash in, Cash out
• Super Liquid Fixed Deposit (SLFD)
• Detailed knowledge of following key areas of banking:
• Competitive landscape of consumer banking in India
• KYC, Account opening
• Core Banking System
• Payments Flow including wallet payments, QR code
• Cash in Cash out
• UPI payments
• Business Correspondent

Apr 2015 – Nov 2015 · 7 mos

Apr 2012 – Mar 2015 · 2 yrs 11 mos

Apr 2011 – Jun 2011 · 2 mos · London

• Interned on two desks:
• Rates Trading
• Working for four weeks on JPY swaps and forwards trading desk. Task was to understand the products and the market and come up with trading ideas.
• Assets Backed Securities
• Another four weeks spent with ABS trading, Sales, Research and IT integration, understanding the dynamics of the business from different perspectives.
• Was offered a Pre Placement Offer to join the bank.

Dec 2010 – Dec 2011 · 1 yr

Dec 2010 – Nov 2011 · 11 mos

• Designed the new placement web portal used by over 1000 students and more than 100 companies every year for hiring from IIM Calcutta. The broad outline was:
• Designing the over all work flow for students, placement coordinator and company HR representatives.
• Designing integration with campus website
• Incorporating new placement rules and CV guidelines in the portal

Dec 2010 – Nov 2011 · 11 mos

• Started a team of students who would help the fellow students of senior and junior batch to prepare for their internships and jobs' selection process. The broad outline and objectives were :
• Conducting mock GDs and Interviews
• Creating material for campus wiki website related to various companies visiting the campus
• Conducting sessions related to sector specific information
• Inviting alumni for talks on career choices
• Incorporating faculty support for preparing for various sectors
• Setting up selection criterion for the committee to work smoothly over years to come

Dec 2008 – Jun 2010 · 1 yr 6 mos

Jun 2008 – Dec 2008 · 6 mos

Dec 2007 – Feb 2008 · 2 mos

Jun 2007 – Jun 2007 · 0 mo

• during june -july 2007