Career Timeline (Recent 4 Associations)
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Career
Jul’19 – Jul’20
Lead – Partnerships/ Alliances/ Technology, JUMO World – Goldman Sachs Funded Fintech
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Career
Apr’18 – Jun’19
AVP – Products & Payments, Aditya Birla Group, Mumbai
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Career
Apr’16 – Mar’18
Head – Market Director, Huawei Technologies, Lagos, Nigeria
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Career
Feb’14 – Mar’16
Mobile Financial Services Consultant & Business Development, TIMWE & MPAY Ghana- West Africa
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Career
Jul’19 – Jul’20
Lead – Partnerships/ Alliances/ Technology, JUMO World – Goldman Sachs Funded Fintech
-
Career
Apr’18 – Jun’19
AVP – Products & Payments, Aditya Birla Group, Mumbai
-
Career
Apr’16 – Mar’18
Head – Market Director, Huawei Technologies, Lagos, Nigeria
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Career
Feb’14 – Mar’16
Mobile Financial Services Consultant & Business Development, TIMWE & MPAY Ghana- West Africa
Work Experience
KEY RESULT AREAS
- Spearheaded entire gamut of operations entailing Payment, Alliances, Service Delivery, Roll-outs, Management of Financial Services Partners – Supply and Demand Side
- Drove strategic vision by institutionalizing process improvements, infused new ideas and taking enterprise-wide approach to unlock maximum synergy to attain larger incremental sales, impacted top-line growth & bottom-line growth
- Formulated the company strategy and its translation into annual operating plan & financial model
- Managed capital deployment decisions to ensure the company achieves targets relative to growth, profitability & positive unit economics
- Defined industry solutions through ideation, conceptualization and detailing to identify efficiencies/ alternatives
- Developed roadmaps, estimated time requirements, established deadlines, monitored milestones, tracked product lifecycle, reported issues that impact the progress to both client & top management
Highlights
- Directed Technical Pre-sales with demand and supply side partners
- Analysed business and managed project for integration and go-live with partner
- Identified Payment Ecosystem Partner (UPI, IMPS, ENACH, PG- Debit/ Credit Cards/ Net Banking/ Aadhar based Electronic Disbursements Electronic/ Cash Collection Points), commercial negotiation, end-to-end implementation including API/ Non-API based integrations
- Successfully commercially negotiated and managed project/ program with various partners such as Cashfree, Bill Desk, Axis Bank and Airtel Payments Bank Cash Collections
- Managed project/program with various Financial Partners/NBFC such as Jana Bank, KUDOS, Northern Arc, SAIJA Microfinance
- Spearheaded commercial negotiations and partnership deals with various Credit Bureaus like Equifax, Cibil, Experian, Himark for JUMO Lending Platform
- Implemented and tested AWS, Mumbai instance for the tech stack of Jumo
- Led integration with Airtel, 3 MFI and 4 NBFCS/Banks
- Headed various projects in Airtel Kenya, TZ and Uganda
KEY RESULT AREAS
- Steered range of tasks pertaining to Lifecycle & New Product Initiatives for APBP Mobile and Internet APP
- Developed 3rd party tie-ups and launches on the Digital Platform for Lending and Credit Cards
- Spearheaded end-to-end revenue enhancement for the FSDs
- Managed delivery of end-to-end functionality on MB/IB for 3rd Party Lending, Insurance, Credit Card Products on APBP App for Android and SMS
- Led team as a Techno-Commercial Lead to gather all business teams from internal stakeholders and external 3rd party NBFC, Aggregators to ensure the best digital customer experience and flow
Highlights
- Led successful end-to-end Product Management, Service Delivery & Implementation with 3rd party Financial Service Distributors like Paisa Bazaar for Lending Products and Credit Cards on ABPB Digital, UPI Platform which included UI/UX to Flows
- Enhanced customer experience, delivered back office-call center ops trainings
- Worked on end-to-end Lead Management, Funnel Creation and CRM Integration
Highlights
- Implemented small value digital lending products on Huawei M Money Platform
- Core team member that managed bids and pre-sales of all major Mobile Banking, Wallets Projects in Huawei West Africa
- Worked on productizing, localizing the MShwari Small Loan Product with MPESA
- Developed strategic partnerships/ alliances with CXO and CIO, CMO in key Mobile Money Wallet Providers in major Banks, Financial Institutions and Telcos in West African region- Ghana, Nigeria, Gabon and Ivory Coast
- Attained sales/ revenue targets of over 4 MN USD across products/ services in the region
Highlights
- Conceptualised cost effective solution for lending for MFIs
- Achieved revenue target of over USD 2MN across geography
Highlights
- Strategized, launched and generated revenues for various banking offerings including Accidental & Life Insurance
- Managed end-to-end roll-out of services infrastructure and delivered more customer acquisition and service points
- Developed strategic partnerships/ alliances with MFI’s like Svasti for Customer Acquisitions and Revenue Generation through cross-selling financial products like Life & Accidental Insurance
Highlights
- Established International Remittance Corridor between Kenya, Tanzania and India with revenues of USD 2MN in first year
- Strategized to target Branchless Mobile Banking for various banks in emerging markets of Kenya, Tanzania, Uganda
- Successfully integrated all the Mobile Monies in 5 countries in Africa- the MZIKKI Music Application for buying Digital Music on the fly
Education & Credentials
- Advanced Fintech and Blockchain Certification from Imarticus and SP Jain Global Management- JAN 2021 (Stood 2nd in Batch) https://rb.gy/sfkqtp
- B.E. in Electronics Engineering from Thadomal Shahani Engineering College, Mumbai University, Mumbai in 1999
Core Competencies
Fintech/BFSI
Business Development
Product Management
Regulatory Compliance
P&L / Revenue Growth
Strategic Partnerships/ Alliances
Techno-Commercial Operations
Commercial Negotiation
