Monedo Financial Services is the new age quintessential financial solutions provider. One of the first digital NBFC awarded by RBI is known to create impact lending.Our phygital model is structured to reach wide expanse of consumers both tech savvy and the ones just beginning to acclimatize themselves with the digital world signifying a balanced blend of technology and human intervention. The business model encompasses a non-cumbersome process which evolves into Supply Chain Financing, EV financing, MSME and Healthcare Financing. Served over 30,000 customer and building a legacy.

Strategizing the business avenues and focus on building NBFC business.

Promoted to Business Head - Loan Against Property from National Head Sales in April 2013.

• Member of core business team and developed a robust business strategy• Implemented the business operating plan, in line with the organization’s objectives.• Responsible for delivering strong portfolio ensuring business target is met• Delivered on cross sell strategy and ensuring strategic initiatives of the company are met• Ensure the business plans are efficient and exceed against the defined business operating plan delivering on the planned top line and bottom line numbers including acquisition, loss & profitability.• Build a nil loss portfolio and imbibed in team sales and collect model• Access external market conditions, recommend, implement and monitor changes in order to gain and sustain the competitive edge and results for the Business.• Involved in improvisation / finalization of policy, products and distribution. Part of core retail finance team.• Deliver on 0,0,0 – Mantra of the company• Built Book size of 3500 Cr with less than 0.2% 30+• Successfully launched Corporate LRD business and ahead of plan in acquisition• Successfully delivered Flexi Saver business – First NBFC to do so• Financial Plan for the country and taking / modifying steps to achieve the plan. • Effectively engage team to drive best results while also ensuring high engagement scores • Working on key projects of company mainly Emergency Loan Card• Though not as a core team member but supported core team in improvisation and innovation at various steps depending on market and using technology framework to be carried out like SFDC • Distribution of life and non life insurance and in 3 months of operation • Provide oversight and leadership to the operations and credit teams also as a senior leader

Worked with India Bulls Housing Finance Limited since April 10 2006 – Sept 09 2008 Zonal Sales Head – Western India (internal grade -Vice President) in Mortgages stationed at Mumbai.• Handling team of 70 full time employees which includes Regional Heads, Location Heads, Area Managers and Territory Managers• Opening of new mortgage Locations in West and setting up Business there and responsible for overall profitability.• Ensuring distribution is provided with competitive benchmarking, product positioning presentations and any other relevant material to ensure successful product take off.• Responsible for Profitability of the Location and stabilizing and recruiting of Team.• Maintaining product mix and supporting average IRR float above the benchmark.• Early tracking of the portfolio behaviour to provide feedback to the policy for desired cautions/ changes.• Cost benefits analysis for the zone. Keeping the cost per file and cost per lac of disbursal below the benchmarks. • Ensuring compliance and regular review of the portfolio from risk perspective• Responsible for delivering strong portfolio ensuring business target is met• Delivered on cross sell strategy and ensuring strategic initiatives of the company are met like selling of insurance, Loan against shares etc

Worked with Citibank as Area Manager –Sales (Grade S) since May 2003- April 10 2006 in Mortgages handled part of North India (Punjab and Chandigarh).Job Responsibilities:• Looking after DSA management and corporate profiles, mainly high net worth customers. Looking after the recruitments of team leaders and executives and training them about the product, policies and procedures to be adopted for better sourcing. • Taking care of property and land rates including their technical appraisals and to look after whether they are approved by concerned authority and are made within permissible limits. Also to look after all the developers and promoters in the city and to check on regular basis whether the construction activities in these areas are in accordance with the approved plan. Getting BIR’s made based on legal and technical clearances and accordingly rate them as CAT A/ CATB developer.• Maintaining a Relationship between sales and credit. This involves CPA/DSA/Lawyers and valuators and to ensure proper adherence to the underwriting process.• Looking after all marketing activities and events like CA events, Business loan mela and taking control of monthly budgets. Around 30 such events were done in and around Punjab and Haryana to increase awareness and better market share.• Imparting extensive training on mortgage business in general and company policies in particular.• Appointment of various vendors to carry out the outsourced activities such as field investigation, document authentication, property valuation etc.• Credit underwriting of high value cases and ensuring quality and compliance aspects in general.• Ensuring compliance and regular review of the portfolio from risk perspective.• Getting corporate arrangements done with Cat A companies. Also getting the arrangements done with the developers in and around city.

Worked with Premier Housing Finance Company, HDFC Ltd., as Senior Officer (June 2001 – May 2003) posted at Ludhiana. Job Responsibilities:• Technical appraisals including cost estimations and cost comparisons based on construction plans and site visits• Financial Investigations, looking after individual as well as corporate profile.• Legal appraisals• Servicing customer’s walk-In and operating on a single window concept.• Financial analysis of the client credentials and sanctioning & disbursement of loans.• Overall responsibility for the branch performance while interacting with various agencies and customers.• Gearing up the executives in all respects of the Home Loan products being offered by the bank.• Customer oriented business strategy.• Liaison with various agencies (performing outsourced activities) associated with HDFC Bank.• Keeping track and check on the delinquency and collection of title documents.