Heading Product & Business at Airtel Payments Bank - Banking & Financial Services . ★ Solving for Financial Inclusion & Under/Unbanked ★ Building New Age Digital & Offline Suite of Products for Customers and Businesses Banking :- Savings Account - Current Account - B2C & B2B Onboarding .- Customer Balances Financial Services :- Lending - Wealth Management - Insurance - Assurance - Pension

Heading Lending, Auto Financing, Insurance & Payments at Ola★ Solving for Financial Inclusion✓ >50 Million+ Ola Customers can avail a credit line via Ola’s BNPL Program✓ Largest BNPL Player in the Market with >6 Million Monthly Transactions ✓ Driving 2X Growth in GMV for the Lending Charter YOY .✓ Cobranded Credit Card Play - Enabling Seamless Payment Experience via the SBI Ola Cobranded Offering ★ Launched the E2E Digital Financing Customer Journey for the Ola’s Electric Arm ✓ Driving >1L 2W Purchases via the First E2E Digital Financing Customer Journey✓ Enabling a D2C Ola Electric Purchase for the Customers✓ 2X Growth in Finance Penetration with Higher NTB / NTC Adoption✓ Launch of the CC/DC – EMI’s with Down payments . Solving for Affordability and Credit Coverage ★ Launched Innovative Insurance Products – Customer Life Cycle Focused✓ >45% Insurance Penetration on Rides . Driving Hockey Stick growth by Seamlessly integrating Micro Insurance products in the Customer Ride Booking Flow✓ 50% Growth in GMV for the Insurance Charter YOY ✓ Launched Personalized Ola Insurance Home Screen focused towards Dynamically depicting products based on customers Life cycle needs . Driving 1.5x growh in Home Screen landings to Policy purchases .★ Payments Platform✓ Driving 5% increase in the Avg. Rides per Customer (Returning customers) by means of enabling BNPL for customers. Driving Customer Stickiness in the Ola Platform✓ Driving growth in Cashless Adoptions in the Mobility Business by 15% in the Last Quarter✓ Unifying the Customer Payments Experience across all Ola Business by Platformizing the Payments Stack

★ Solving for Financial Inclusion ➤ Driving the Credit for All (CFA) Platform & On-Boarding the Lending Partners for the EMI Program while maximizing the Credit Access for FK Customers • Defining / Optimizing the Customer Onboarding Journey & Payments transaction Journey • >50 Million + Flipkart Customers can avail a credit line via the Credit For All Program➤ Driving the Alt Data Program & Enabling the Credit Access to customers who are Flipkart Thin Files by assessing the customers basis their SMS & Device Data using a Real-time Alt Data Credit Model for the BNPL (Buy Now Pay Later ) Program ➤ Driving the Insights Team's Credit Modelling to Determine the Customer's "Intent to Pay" [Risk Score] , Customers "Ability to Pay" [Affordability Score ] which form a Part of the Application Score Card for the Buy Now Pay Later Program • Productizing Our Solutions , Partnering with Various FI's & Enabling the 300 Million+ of India's Population to get access to Credit • Enabling the Co-Branded Flipkart Axis Bank Credit Cards Exponential Growth by the Usage of the Insights . Milestone of 1 Million Co-Branded Flipkart Axis Bank Credit Cards Disbursed in < 2 years since the Program Initiated★ Driving Affordability ➤ Usage of Affordability Score for Targeting , Customized Buying Experience based on their income buckets • Increasing the Conversions & GMV across the Categories in Flipkart • Rank Ordering Search Results Basis Customers Affordability to Drive Conversions • Reducing Product Returns and Frauds in the Check Out Flow & Returns ★ Dynamic Decision Engine for Fraud Detection [ Fraud Risk Platform ] • Building the Fraud Framework for Early Warning , Fraudulent & Anomaly Signals • Early Detection of Frauds across the Pay Later , CFA & Insurance Programs

Bankbazaar.com is the Largest Online Marketplace for Credit & Loan Products. BankBazaar provides users instant customized rate quotes & paperless fulfilment of Loan and Credit Card products. BankBazaar also facilitates customers to get their free Credit Score along with a detailed analysis of their credit report.Bankbazaar is a FinTech Company funded by Amazon, Experian & Sequoia Capital"Responsible for Defining the Whole Mobile Play Ecosystem & BankBazaar's Cross Sell Strategy" Mobile App -➤ The Mobile App is a free Channel for BankBazaar Driving >25% of the Overall App Submissions in Bank Bazaar . Customers having the BankBazaar Mobile App are (1) Better Engaged (2) Have a higher LTV ➤ BankBazaar Mobile App is one of the Top Rated Apps in Google Play & Apple Stores & has been Ranked in Top 10 in the Play stores under “Finance” Category. Ratings: Play Store : 4.6/5 & Apple Stores : 4.7/5 . ➤ Received ICL Award for the best Personal Finance App.Cross Sell Strategy -➤ A Dedicated & Innovative Cross Sell Strategy across BankBazaar’s Platform has enabled (1) Higher rate of User Acquisition (2) Quick Growth in LTV & (3) Repeat Purchase to grow multi fold in a short duration➤ Credit Score Based Loans & Credit Product Offering to the BankBazaar Customers BankBazaar Insurance -➤ Driving the Transactional Revenues by means of Adopting an E2E solution with the Payments Piece integrated into BankBazaar Insurance Set Up➤ Launching Two Wheeler Insurance & Revamped Version of Life Insurance, Car Insurance

Heading the Mobile Division of the “The Hindu – Digital”. Formulating & Driving the Mobile Strategy for "The Hindu”, one of the most respected newspapers in India.Product Portfolio:➤ The Hindu, The Hindu Business Line, The Hindu Tamil – Android, iPhone & iPad Apps➤ Mobile Site – The Hindu, The Hindu Business Line, The Hindu Tamil ➤ The Hindu – ePaper ★ Achievements:➤ Mobile Play - With 120 Million+ Page View Across all Mobile Properties [With Mobile Apps Contributing over 100 Million+ PV’s with 2 Million MAU’s] ➤ The Hindu Android App, has been Ranked 3rd in the Play stores under “News & Magazines” Category.➤ Successfully launching the Revamped Hindu ePaper Subscription Model with Payment Gateway Integration . Hindu ePaper Subscriptions of >5 Lakhs with >100% YOY Growth in Subscriptions . • Hindu ePaper Subscriptions of >5 Lakhs with >100% YOY Growth in Subscriptions .➤ Monetizing the Mobile App & Mobile Site Properties • Setting Up a CMS to enable AD Configurations & Integrating the AD Network SDK’s into the Mobile App Properties

Travel Management System is a B2B SaaS application which serves as a platform that enables planning and organizing business processes and data related to Travel Agencies & Fleet Operators . This application improves the accessibility and increases the security of the data apart from giving a 360-degree view of the day to day activities like trip sheet entries , customer/driver management , it also includes Profitability & Expense Managment modules . Travel Management System helps solve the demand-supply by enabling Travel Companies subscribed to the software to borrow Cars/Drivers from each other resulting in a Win - Win Situation.

Programmer / Software Engineer Major Clients/Accounts [Retail]➤ Royal Bank of Scotland (RBS)➤ Bank of America (BOFA)Responsibilities :➤ Designed, Implemented and Managed the working of Default Warning Indicator(DWI) and Early Warning Indicator(EWI) Modules for RBS ➤ Played an instrumental role in the Migration effort for the Bank Of America Acquired Bank (Merrill Lynch)