Indian Institute of Technology, Roorkee

Rose-Hulman Institute of Technology

Harvard University

UCLA

Indian Institute of Management, Bangalore

HEC Lausanne - The Faculty of Business and Economics of the University of Lausanne

Financial products for commercial electric vehicles

Bengaluru, Karnataka, India

Turno

Chief Financial Officer

Head of Alliances and Partnerships (May 20 – Present)
I lead 3rd party lender partnerships, which account for 80% of planned AUM growth for udaan Capital till FY22.  My team drives the commercial, risk sharing, policy, legal, and tech discussions to get a lender live in the udaan Capital ecosystem.
- Strategize a tapestry of lenders across product lines, ticket size and underwriting philosophy; target 800Cr by Dec 21
- 310Cr sanctioned across IDFC, Norther Arc Capital, Muthoot Finance and GSFT; 340Cr pipeline under execution
- Led problem solving to link legacy banking infra to support desired UX and nonstandard product while being RBI compliant
- Structured working capital solutions for alpha sellers and bank guarantees for international vendors via HSBC worth 120Cr

Head of Business Development, Credit (June 18 – May 20)
I joined udaan Capital as employee 9 and spearheaded growth for the credit business. I redesigned the BNPL product, worked with risk analytics to optimize platform growth vs credit burn, and hired people to build the right culture.
- Led the 1 to 10x growth story for Credit at udaan; 9k to 250k credit lines, 10Cr to 500Cr AUM, and 3500Cr in disbursals
- 0 to 1 initiatives include:
o	   design and operationalize instant credit on app install which gave significant boost to platform growth
o	   introduce and iterate product features for working capital credit, ex: running account construct, bill to bill payment, combining cash and credit ledgers; launch credit for new categories (home and kitchen, electricals, fabric, etc)
o	   drive actionable insights from risk analytics and implement via category stakeholders to better credit performance
o	   setup ops with annual spend of 30Cr across inhouse, BPO, FOS vendors; reduced cost of activated line by 75%
- Recruited over 30 team members from tier 1 colleges; directly manage 15+ with no attrition except admits to tier 1 MBA
            

    
    

    
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Udaan.com

Head of Business Development, Credit

Scripbox is a 5-year old automated mutual fund investment platform that manages choice-overload by algorithmically selecting and rebalancing across 10 equity, debt and tax-saving mutual funds out of 8000+ funds sold in India today. Series-A funded by Accel Partners and Series-B by Omidyar Network

I drive business for first time investors.  My main aim is to drive higher conversion at each step of the process: registration, activation and making the first investment. I report to the co-founder/ CEO.

Product, partnership and operations owner for all internal and external teams serving first time investors; 100cr+ annual AUM
Increased conversion from 20% to 32% for first time mutual fund investor, outpacing all other legs of investor lifecycle
Established vertical for NRI investors; business case, focused acquisition strategy and budget approved by management
Championed paperless capability building within organization; 1. Aadhaar based OTP verified KYC integrated into sign-up flow.  2. Aadhaar and PAN based biometric verification for field team. 3. Paperless document submission to KARVY KRA
Launched Delhi and Mumbai field operations for Scripbox; wrote playbook for expanding to top 10 cities

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Scripbox

Business Manager

A new concept in QSR localized to local preferences, built with scalability in mind. Think Dunkin Donuts, but with over 15 variety of samosas.

Bootstrapped with capex <10L, and cash flow positive after 1st month in operation
Course corrected after 6 months; changed location & menu; saw 20% MOM growth from a 60% smaller store
Exhibited at Nh7 Weekender in Dec 15; sales of 2.2L INR in 2 days; top 3 (of 16) food stall revenues
Launch partner for Swiggy Midnight; a Zomato trending restaurant; media coverage by Little Black Book, Foodgasmdiaries etc
Received commitment of 40L INR in angel funding but decided to profitably exit operations because I foresaw scaling issues
            

    
    

    
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Killer Samosas

Co-Founder

Summer Internship: Apr 2013 - Jun 2013; Secured full time offer during internship
Full Time: Jun 2014 - Dec 2014

I worked in the central brand team with primarily FP&A responsibilities. Performance management across 50+ 'Next' stores and $120m top line.
Develop and maintain Sales forecasting models. Assessed impact of markdown events to optimize sell through and NAM (net achieved margin)
Developed a multi variate time series model to forecast monthly sales which achieved a 93% accuracy, and was used for stocking planning.
Evolve a set of performance indicators that can be used to measure, compare and benchmark space productivity across stores.
            

    
    

    
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M. H. Alshaya Co.

Manager, Alshaya

I led corporate quality improvement initiatives and managed multiple projects. Furthermore, I  approved and defended documentation for regulatory audits from the FDA, TUV, Japan Ministry of Health, etc.

Consistently rated ‘Outstanding’ (top 5%) ; received 140% of target year end bonus; early promotion
Team lead for Legacy systems remediation project; 9 cross functional team members on 18-month project; completed 2 months ahead of schedule and $400K (16%) under budget
Achieved $257K p.a. savings through improved targeted training; automated process for training assignment based on responsibilities and projects instead blanket title based allocation; project was rated best implementation amongst 22 sites
Orchestrated an FDA class I product recall with 77K units at 1300 worldwide locations.; 99.7% field product recovery
Owned several site and corporate level CAPAs (corrective and preventive action); biggest one involved managing 4 different country teams carrying out root cause analysis compliant to ISO 9001:2008

Core team member Product development process. Researched drivers of product choice, existing competitive threat and pipeline products. Estimated uptake rate and peak market share through primary and secondary research
Lead trainer for 5 BSC classroom training courses; 250+ annual attendance; delivered training upto VP level; top 10% satisfaction rate
Experienced Negotiator with FDA, TUV, etc, and have front and back room experience. I have received management accolades in multiple occasions for my performance during high pressure audits.
            

    
    

    
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Boston Scientific (Oncology & Interventional Cardiology)

Site Lead, Quality & Compliance projects

Devyash Goel