Sagar Saroy

Founder

Mumbai, India19 yrs 6 mos experience

Highly Stable

Key Highlights

Founded Life After Salary to promote financial freedom.
Expert in building passive income through real estate.
Led high-performance operations in healthcare and technology.

Stackforce AI infers this person is a Financial Consultant specializing in Real Estate and Operations Management.

Contact

sagar_saroi@hotmail.com LinkedIn

Skills

Core Skills

Financial FreedomWealth CreationReal Estate InvestmentStrategic InvestmentOperations ManagementStrategic Thinking

Other Skills

Passive Income StrategyRetirement PlanningCoaching & MentoringPersonal Finance EducationTrust PlanningMulti-generational PlanningMulti-generational wealth transferLife CoachingPersonal FinanceFamily Wealth ManagementLife DesignEstate PlanningFinancial PlanningBuilding and leading high performance Operations teamsExecutive Management

About

Most professionals spend decades building a successful career, growing their investments, and accumulating wealth. Yet very few ask a simple question: "Can my wealth sustain my lifestyle if my salary stops tomorrow?" After spending nearly 30 years in leadership roles across organizations such as UnitedHealthcare, Wipro, and HCL, I came to realize that wealth accumulation and financial freedom are not the same thing. A strong career can create income, but true freedom comes from building assets and systems that generate income independent of your time and employment. Having exited corporate life at 50, I now work with professionals, business owners, and senior leaders who want to move beyond traditional retirement planning and create a future where work becomes a choice rather than a necessity. Through Life After Salary, I help individuals think differently about wealth, passive income, cash-flow assets, and multi-generational legacy planning. My mission is simple: to help people transition from salary dependence to financial freedom by designing wealth that not only grows, but also produces sustainable income and long-term security. If you're looking to build a life where your income is not tied to your next paycheck, let's connect.

Experience

19 yrs 6 mos

Total Experience

2 yrs 9 mos

Average Tenure

Current Experience

Life after salary

Founder & Chief Mentor

Apr 2025 – Present · 1 yr 2 mos · Navi Mumbai

Life After Salary is a content brand built around one belief — that financial freedom is designable, not accidental.
I share the unfiltered story of how I built a real estate portfolio that freed me at 45, spent five deliberate years validating that freedom, walked away from a 29-year corporate career at 50, and structured generational wealth through a family trust.
Content Pillars:
Investing in Passive Income assets
Real Estate Investing
Investing in Licensed Businesses
Financial Freedom — building it, testing it, and trusting it
Generational Wealth — family trusts, estate planning, and legacy
Life Design — living deliberately on your own terms
Series: The Silent Investor — for introverts building wealth quietly on their own terms.
Community: The Quiet Wealthy — people who build in silence and let results speak.
Follow Life After Salary for weekly content on real estate, financial freedom, and building generational wealth — quietly, deliberately, on your own terms.

Financial FreedomPassive Income StrategyRetirement PlanningCoaching & MentoringPersonal Finance EducationTrust Planning+2

Exela technologies

Senior Vice President - APAC

Feb 2022 – Sep 2023 · 1 yr 7 mos

$220M business for HealthCare & Medical Coding Services
54% of workspace released in APAC by Creating Digital Enterprise by using Work from Anywhere (WFA) technologies.
600 FTE displaced with Freelancers by using redaction & obscurification for Cost optimization.
40% reduction in attrition on long gustation processes.
20% reduction in training duration.
30% decrease in payroll cost by initiating in-house coders training & certification program
30% of leader positions are filled with external recruits to bring in fresh thoughts and perceptive

Financial FreedomPassive Income StrategyBuilding and leading high performance Operations teamsStrategic ThinkingRetirement PlanningCoaching & Mentoring+6

Hcl technologies

Global Operations Delivery

Jan 2021 – Feb 2022 · 1 yr 1 mo

Managed HealthCare Delivery for a leading Credentialing & Provider Client
85% of credentialing services Automated
100% transition of BPO Order to Cash
20% savings on cost optimization
3 clients' solutions for RFP

Financial FreedomPassive Income StrategyBuilding and leading high performance Operations teamsStrategic ThinkingRetirement PlanningCoaching & Mentoring+6

Nivasa co-working and co-living spaces

Founder & Chief Mentor

Dec 2020 – Present · 5 yrs 6 mos · Navi Mumbai · Remote

Nivasa generates robust passive income through a curated portfolio of co-working and co-living spaces. Our strategy focuses on acquiring underutilized properties and executing targeted asset enhancement initiatives—including strategic change-of-use conversions. By repositioning these assets to meet high-demand urban lifestyle needs, we significantly drive up occupancy, maximize operational efficiency, and unlock substantially higher yields."

Multi-generational wealth transferReal Estate InvestmentLife CoachingPersonal FinanceFinancial FreedomPassive Income Strategy+10

Gebbs healthcare solutions

2 roles

Vice President

Sep 2014 – Dec 2020 · 6 yrs 3 mos · Mumbai Area, India

750% (15/2) reduction in manpower for every $1M of billing due to BOTS
Build the following BOTS: Charge Verification BOT, Clean Claim BOT, Rejection BOT, Payment BOT, Contractual Compliance BOT
Built the End-to-End RCM vertical from scratch
Lead CSR activities related to setting-up camps, fundraising & social media footprint.

Financial FreedomPassive Income StrategyBuilding and leading high performance Operations teamsStrategic ThinkingRetirement PlanningCoaching & Mentoring+6

Vice President Operations & Head Software Development (Automation)

Jul 2011 – Aug 2013 · 2 yrs 1 mo

Conceptualized 3 products with unique selling propositions to lead over the competition
Implemented metric-driven approach for provider operations
Developed product to create exit barriers & increase wallet share of business

Financial FreedomPassive Income StrategyBuilding and leading high performance Operations teamsStrategic ThinkingRetirement PlanningCoaching & Mentoring+5

Unitedhealth group

Director

Aug 2013 – Sep 2014 · 1 yr 1 mo · NCR - National Capital Region

Delivered 63% cost savings.

Financial FreedomPassive Income StrategyBuilding and leading high performance Operations teamsStrategic ThinkingRetirement PlanningCoaching & Mentoring+5

Samar ventures

Founder & Chief Mentor

Jun 2010 – Present · 16 yrs · Navi Mumbai · Remote

Samar Ventures is a strategic investment arm dedicated to uncovering value in underutilized assets and businesses. The firm specializes in identifying and acquiring undervalued real estate and underperforming small businesses. Through targeted asset enhancement, operational turnarounds, and strategic repositioning, Samar Ventures unlocks hidden potential—transforming these acquisitions into high-yielding, passive-income-generating assets or preparing them for highly profitable exits through outright divestment.

Multi-generational wealth transferReal Estate InvestmentLife CoachingPersonal FinanceFinancial FreedomPassive Income Strategy+11

Wipro digital operations and platforms

Associate Vice President

Sep 2004 – Jul 2010 · 5 yrs 10 mos

Turned around 4 mega accounts within 12 months
Delivered $ 51.5M in revenue with 2500 team members (Claim Analysts, Quality Analysts, and relationship management professionals)
Stabilized multi-million-dollar business including UnitedHealth Group, AT&T, BellSouth, Capital One, Microsoft, British Telecom and Corventis
Setup the first remote Cardiac Monitoring Centre of its kind in India – Corventis on the backbone of IOT (internet of things)

Financial FreedomPassive Income StrategyBuilding and leading high performance Operations teamsRetirement PlanningCoaching & MentoringPersonal Finance Education+4

Sutherland global services

Program Manager

Jan 2003 – Aug 2004 · 1 yr 7 mos

Financial FreedomPassive Income StrategyBuilding and leading high performance Operations teamsRetirement PlanningCoaching & MentoringPersonal Finance Education+4