Leading insurance for merchants at Paytm

As the Founder & CEO of Incremint, a digital B2B2C ecosystem, I worked to empower independent financial advisors leverage technology to help them increase their income via financial products (life and non-life insurance, goal-based mutual funds, and offline journeys for loans, bonds, credit cards, bank accounts, and capital markets).During my tenure at Incremint, I achieved the following milestones: - Built the startup from the ground up, reaching 100,000+ transacting customers across 20+ products with 400+ SKUs - Pioneered industry-leadings solutions for digital retail agents and corporates, including a Sales cum CRM app for agents, instant payouts, and enabling multi-product digital fulfilment - White-labeled PaaS solution targeting large corporates to cross- and up-sell financial products.

- Developing comprehensive distribution strategies for a digital-first general insurance company by creating channel, technology, product, and organizational roadmaps, along with execution-ready playbooks. - Designing and implementing modular, frictionless, and scalable business processes for insurance distribution and core operations functions, aiming to reduce implementation time by 70%. - Previously established the Digital Affinity initiative for health insurance products. Achieved success in channel productization, product conceptualization (e.g., diabetes, vision & indemnity) and partner launch.

As the Co-Founder and VP of Finance & Strategy at EasyPolicy, I was instrumental in shaping the growth of one of India's first and second-largest online insurance platforms for comparing and purchasing life and non-life retail insurance products.During my tenure at EasyPolicy, I achieved the following accomplishments: - Addressed severe working capital constraints by instituting rigorous adherence to business metrics at all levels, negotiating with insurance companies, diversifying revenue streams, and reducing upfront costs by establishing alternate channels for lead generation. - Spearheaded fundraising efforts by leading investor outreach, negotiations, due diligence, and legal aspects while directing the finance & secretarial functions. - Played a vital role in the company's strategic planning, ensuring that EasyPolicy remained competitive in the fast-paced insurtech market.My experience at EasyPolicy allowed me to develop strong strategic and financial acumen, which I leveraged to create a thriving online insurance platform that simplified the process of buying insurance for thousands of customers.

As an expert in evaluating transactions and business operations, I specialize in identifying implications arising from related party transactions, such as IP transfers, pricing methodologies, and entry/exit strategies. My core responsibilities involve advising business leaders, building and using quantitative models, devising economic valuation methodologies, conducting market and competition analysis, and undertaking academic research.During my tenure at KPMG, I achieved the following accomplishments:Developed models encompassing functional matrix, strategy and financial models and conducted tax assessment trials and studies that resulted in savings of over US$500 million for various clientsCollaborated with top-tier MNCs on strategic initiatives including validating supply chain enhancements, assessing market entry/exits in India, transferring IP across geographies, and devising cross-border acquisition strategies.My tenure at KPMG helped me develop strong skills in strategy development and implementation, problem-solving, and communication. It also helped me mapping business processes and drawing out KPIs at an organisational level.

As a founding member of the SME Ratings practice at CRISIL, I played a critical role in developing and institutionalizing the practice's analytics and business outreach initiatives. I have gained extensive experience and expertise in business, financial, and risk analytics.In this role, I regularly engaged with industry specialists, regulators, bankers, and business leaders. This has given me a 360-degree understanding of key sectors in the Indian economy and honed my team management skills.My notable accomplishments include developing the rating model, assigning over 500 issuer ratings, launching pan-India level business outreach channels, and leading the analytical efforts for the Emerging India Awards for two consecutive years.