Harsh Maheshwari Email and Phone Number
Mumbai, MH, IN
Harsh Maheshwari's Location
Bengaluru, Karnataka, India, India
About Harsh Maheshwari
As a Chief Manager of Digital Alliances at Reliance General Insurance, I am at the forefront of forging transformative partnerships that become the bedrock of our business ecosystem. My expertise spans pivotal roles in diverse sectors—hyperlocal logistics at Shadowfax, end-to-end digital lending at FlexiLoans, e-commerce at Flipkart, and now, spearheading insurance in the digital space. My entrepreneurial spirit shines through my D2C brand venture "My Marwar," encapsulating the essence of a true hustler.My journey is marked by a relentless pursuit of innovation and growth, fueled by a mission to serve the underserved and deliver solutions that resonate with untapped markets. With an MBA and semi qualified CA credentials, my analytical prowess and strategic acumen have been pivotal in achieving a significant GWP increase at Reliance General Insurance, alongside developing a highly profitable portfolio with a COR under 90%. My knack for identifying strategic partners and launching high-impact products has insured over 11 lakh unique lives and covered 3 lakh delivery executives with innovative health bundles.At FlexiLoans, I delved deep into the digital lending ecosystem, mastering every facet from business development to operations, underwriting, collections, and customer support. This comprehensive experience has honed my ability to navigate complex markets and drive scalable solutions.Innovation, technology integration, and data-driven decision-making are the cornerstones of my approach to product development. My leadership is characterized by mentorship, fostering a culture of continuous learning, and driving my team toward ambitious goals.**Achievements:**- Core Team Member and Spearheaded a steeply growing YoY Portfolio at Reliance General Insurance.- Developed a profitable portfolio with COR under 100%. and ensure the same by keying your eye on PnL. - Insured 11 lakh unique lives in health insurance within a year.- Launched innovative products for major partners.- Pioneered health product bundles covering over 3 lakh delivery executives.- Managed and mentored high-performing teams across sectors.I aspire to lead a complete business unit to tap into underserved markets, driving growth through strategic alliances, innovation, and technology integration. I am excited about the opportunities ahead and am committed to significantly impacting the insurance, fintech, D2C, E-commerce, and Quick Commerce sectors. Let's connect and explore how we can drive growth together.
Harsh Maheshwari's Current Company Details
Reliance General Insurance
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Chief Manager - Digital Alliance and Strategic Partnerships
Mumbai, MH, IN
- Website:
- reliancegeneral.co.in
- Employees:
- 7839
Harsh Maheshwari Work Experience Details
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Chief Manager - Digital Alliance And Strategic PartnershipsReliance General InsuranceMumbai, Mh, In
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Chief Manager - Digital Alliance & Strategic PartnershipsReliance General Insurance Jun 2024 - PresentMumbai, Maharashtra, India- Performance Monitoring and Optimization: Established and tracked key performance indicators (KPIs) to measure the effectiveness of sales strategies and partnership initiatives. - Risk Management: Conducted comprehensive risk assessments for digital partnerships and alliances, implementing robust risk mitigation measures to ensure stability and security. - Key Account Management: Maintained and deepened relationships with key accounts, addressing issues promptly to ensure client satisfaction and long-term collaboration. - Customer Satisfaction: Identified opportunities to offer additional products or services, enhancing the value proposition for customers and partners, and ensuring high levels of satisfaction. - Core Team Contributions: Played a pivotal role in the core team that drove year-over-year growth and consistently achieved ambitious targets. - Market Impact: Integrated part of Team which achieved significant market penetration and impact through innovative alliances with UBER, MPOKKET, PHONEPE, POLICY BAZZAR, PAYTM, MAKEMYTRIP, CLEARTRIP, and others, showcasing adaptability and strategic acumen. - High-Impact Programs: Successfully covered over 11 lakh GiG employees with an innovative health product bundle, demonstrating a deep understanding of customer needs and market trends.- Adaptability: Successfully navigated changing market conditions and business requirements, ensuring continuous growth and innovation. - Problem-Solving: Applied detailed-oriented discussions and a keen eye for process-level problem-solving, ensuring efficient and effective solutions. - Team Management: Led a high-performing team of young members, delegating tasks effectively and ensuring cohesive teamwork. - Mentorship: Provided mentorship and professional development opportunities to team members, fostering a culture of continuous learning and improvement.
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Senior Manager - Digital AlliancesReliance General Insurance May 2023 - May 2024Mumbai, Maharashtra, India- Continuing Strategic Efforts: Continued to refine and execute strategic plans developed in the first year, ensuring ongoing alignment with industry trends and company goals. - Innovation and Technology Integration: Championed the implementation of innovative technologies and key partner integrations, enhancing digital platform capabilities and user experience. - Data-Driven Decision Making: Utilized advanced analytics to identify gaps and opportunities, driving strategic initiatives and optimizing business processes. - Product Development: Collaborated with product teams to develop and enhance insurance products, meeting evolving customer needs and market demands. - Profitable Portfolio Creation: Spearheaded the development of a highly profitable portfolio, achieving a combined operating ratio (COR) of under 90%, exceeding industry benchmarks by 10%. - Market Penetration: Successfully penetrated a new market for digital business, providing insurance to underserved segments and ensuring 11 lakh unique lives in one year under health insurance. - Innovative Product Launches: Delivered unique, high-impact products for partners such as SWIGGY, BETTERPLACE, LENSKART, SHADOWFAX, and others, demonstrating industry-leading innovation. - Revenue Growth: Achieved a 4x jump in Gross Written Premium (GWP) year over year, generating 2,900 lacs+ GWP. - Partnership Expansion: Successfully onboarded and managed over 10 partners through IMD and direct NBD, driving significant business growth.- Mitigated risks associated with non-traditional products, convincing stakeholders and developing compliant processes that drove business innovation. - Enabled the organization to adopt more dynamic and adaptable ecosystem changes, positioning the company as a leader in digital insurance solutions.
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Manager Digital AllianceReliance General Insurance Nov 2021 - May 2023Bengaluru, Karnataka, India-Managing South Region for Reliance General Insurance's Collaborations with New Age Digital Organizations as Digital Alliance Manager- Industry Understanding and Market Research: Conducted comprehensive market research to understand the insurance industry, identifying emerging trends, opportunities, and potential risks. - Strategic Partner Identification: Identified and evaluated potential digital partners for strategic alliances, focusing on opportunities to expand the company's digital footprint. -Strategic Planning: Developed and implemented strategic plans to integrate digital services with traditional insurance offerings, ensuring alignment with market trends and customer needs. - Relationship Building: Established and nurtured strong relationships with potential digital partners, stakeholders, and clients, laying the groundwork for future collaborations.
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Co-FounderMy Marwar Apr 2020 - PresentWelcome to My Marwar, a vibrant D2C brand that celebrates the rich traditions of Rajasthani culture and culinary excellence. As the founder and sole proprietor, I am dedicated to preserving the Marwari heritage and delivering an authentic experience through our gourmet food offerings.Key Objectives:- Cultural Connection: Offer the Marwari community and diaspora a taste of home, reconnecting them with their heritage through traditional food and rituals.- Gourmet Experience: Provide food enthusiasts with an exploration into the authentic flavors of Rajasthani (Marwari) cuisine with gourmet food offerings, DIY meal kits, and ready-to-eat flavors. - Cultural Education: Engage cultural enthusiasts by sharing knowledge about Marwari traditions, rituals, and songs, enriching their understanding of our vibrant culture, and creating a digital database for one-click traditions knowledge for a Marwari. - Health & Wellness: Cater to health-conscious consumers with natural, traditional food options that align with healthier dietary choices, and unique one-of-a-kind subscription-based offerings ensuring pure food distribution most conveniently. As Founder, I have proudly achieved: - Market Penetration: Successfully launched My Marwar products, gaining significant market share and establishing a loyal customer base.- Product Innovation: Introduced innovative gourmet food offerings and DIY meal kits, attracting food enthusiasts and cultural aficionados alike.- Brand Recognition: Built a strong brand identity that resonates with the Marwari community and food enthusiasts, achieving high customer satisfaction and loyalty.- Community Building: Created a vibrant community platform that celebrates Marwari culture and traditions, fostering a sense of belonging and pride among members. -
Assistant Manager - Bd OpsFlipkart Nov 2020 - Oct 2021Bengaluru, Karnataka, India#Responsibilities:- Data Management and Analysis: * Maintained comprehensive data and dashboards for the business team, ensuring accurate and up-to-date information for decision-making. * Conducted regular analysis of business processes, providing actionable insights and recommendations to improve efficiency and performance. * Created detailed reports to track key performance indicators (KPIs) and monitor progress against business goals. - Customer Eligibility and Program Management: * Managed the eligibility assessment process for easy credit customers, ensuring that qualified customers were enrolled in the program. * Oversaw the entire customer onboarding and conversion funnel, from initial contact to successful enrollment, enhancing customer acquisition and retention rates. - Collections Management: * Coordinated with ground sales teams to drive collections, ensuring timely payments and maintaining positive cash flow. * Managed various communication channels for collections, implementing strategies to improve collection rates and reduce delinquency. #Key Achievements:- Data-Driven Improvements: Leveraged data insights to identify and address inefficiencies in business processes, leading to a 15% improvement in overall operational efficiency. - Successful Program Management: Increased customer enrollment in the easy credit program by 20%, contributing to higher sales and customer satisfaction. - Effective Collections Strategy: Improved collection rates by 25% through coordinated efforts with the sales team and effective use of communication channels. -
Associate Product ManagerFlexiloans May 2020 - Nov 2020Mumbai, Maharashtra#Responsibilities: - Post-Disbursal and Repayment Digitalization: * Spearheaded the digitalization and transformation of customer post-disbursal and repayment journeys, enhancing overall customer experience and operational efficiency. * Implemented innovative digital solutions to streamline repayment processes, ensuring a seamless and user-friendly experience for customers. - BBPS Network Integration: * Introduced FlexiLoans to the Bharat Bill Payment System (BBPS) network, enhancing the ease and accessibility of loan repayments. * Successfully completed the onboarding journey with a UPI-enabled bill payment provider as a pilot project, aimed at improving collections and recovery processes. - Strategic Planning for Automation: * Identified gaps in the current invoicing and reconciliation processes, initiating a strategic planning framework to automate and standardize these operations. * Developed and implemented a system to cut partner invoicing and reconciliation time by 50% at the initial stage, ensuring 100% transparency for all stakeholders. #Key Achievements:- Enhanced Customer Experience: Improved the post-disbursal and repayment experience through digital transformation, leading to higher customer satisfaction and retention. - Collections Improvement: Increased efficiency in the collections and recovery process by integrating with the BBPS network, resulting in a 20% improvement in timely repayments. - Operational Efficiency: Reduced partner invoicing and reconciliation time by 50% through automation, providing complete transparency and accuracy to all stakeholders. -
Senior AssociateFlexiloans Jun 2019 - May 2020Mumbai Area, India#Responsibilities:- Partnership Identification and Negotiation: * Identified key new partners and secured relationships by negotiating synergistic, mutually beneficial partnerships. * Initiated and onboarded new partners, ensuring an efficient and effective onboarding process, including legal documentation and contract negotiation with various partnership models (Commission basis, Commission and Fulfillment basis, Partial FLDG, 100% FLDG, Risk & Reward sharing). * Handled key national accounts of top leaders in the POS and other Digital Payment Industry in India. - Collaboration with Product and Tech Teams: * Collaborated with the product and tech teams of partners to build APIs, workflows, and user journeys, ensuring seamless integration and operational efficiency.- Data-Driven Product and Policy Changes: * Responsible for day-to-day reporting, using data and analytics to drive product and policy changes that improved product configuration, internal rate of return (IRR), and other key metrics. * Generated data and research-based insights for business decisions and managed reporting for senior management. - Client Relationship Management and Portfolio Growth: * Managed client relationships and servicing, leading to an increase in vertical/portfolio contribution from 4% to 37% in terms of book size, and from 13% to 66% in terms of loan volume within a year. * Reduced the average turnaround time (TAT) from loan creation to loan sanction by 72% and from loan sanction to loan disbursal by 40%. - Portfolio Monitoring and Reconciliation: * Implemented EDI-level tracking for all disbursed cases as part of a Portfolio Monitoring and Early Warning System (EWS) initiative. * Reconciled the complete portfolio with books maintained by partners, closing invoicing for 4k customers with over 2L+ accounting and transaction entries audited, verified, and adjusted as necessary.
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Assistant Manager - ProgramsFlexiloans Jun 2018 - May 2019Mumbai Area, India#Responsibilities:- Market and Product Research: * Conducted comprehensive research on the digital lending business and associated products, gaining deep insights into the market landscape and customer behaviors. * Analyzed business challenges, translating them into customer needs and identifying related opportunities for innovation and growth. - Product Conceptualization and Framework Creation: * Conceptualized and created a product framework for Quick Business Loans for SME retailers through the Digital Payment vertical, performing thorough feasibility studies and due diligence with cross-functional stakeholders. * Defined the purpose and requirements for the new product, ensuring alignment with market demands and organizational goals. - Strategic Planning and Timeline Development: * Developed specific, measurable, and realistic timelines for attainable goals, addressing the 6 W’s (Who, What, Where, When, Which, and Why) * Created and aligned underwriting policies for the conceptual product, utilizing alternate data sources for underwriting in collaboration with risk and credit team heads. - Product Development and Deployment: * Defined and documented product requirements, designed product architecture, and ensured thorough review and approval by all stakeholders. * Collaborated with the engineering team to develop the necessary technology for the product, overseeing user acceptance testing (UAT) and deploying the product successfully. - * Coordinated the framing of complete processes and documented standard operating procedures, defining roles and responsibilities for internal teams, partner teams, and stakeholders. - Product Launch and Scaling: * Worked closely with partner business teams to launch the product, developing tracking systems to monitor implementation and success. * Scaled the product with an average month-over-month growth rate of 25%, increasing from 10 loans per month to 650 loans per month within 12 months.
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Business AnalystShadowfax Technologies Pvt Ltd Dec 2017 - Jun 2018Banglore##Business growth and performance improvement:##*Was responsible for client and Operations team day to day basis reporting to track the business performance and finding solutions to operations problems regarding serviceability and performance.*Worked with ground ops team after successful pilot phase identifying different issues and solving them resulting in performance and growth from service to 20 domino’s stores to currently 550+ stores pan India with an increased service capacity of 200 orders per day to 20,000+ orders per day.*Worked on central allocation project and allocators for serviceability improvement for clients and managing on-time delivery to result in on time rider allocation on order without manual intervention from 50% to 82%.*Driven process improvements and efficiency drives for hyperlocal food clients like McD, Domino’s, etc. Achieving on-time deliveries with service-level agreement adherence from 50% to 80%.*Worked on cost reduction projects for client’s operations targeting reducing cost per order by changing payout structures and introducing new once with increasing rider efficiency with the aim not to affect rider earning in major context resulting earning after direct cost (cm%) from -5% to 5%.##Riders pay-outs:##Handled payout processing for 4000 riders and 150+ ground managers calculations and on time releasing rider’s payout on weekly, bi-weekly and monthly time intervals with a payout of 3-4 cr. Per month.##Managed operation territory:##Managed complete operations for three clusters (territory) of Bangalore i.e. Bellandur, Mahadevapura, and Whitefield.*Was responsible for complete operations with a team of 5 and 80-100 riders catering 15-16 outlets for clients like domino’s, McDonald's, KFC, pizza hut and big basket doing 800-1000 orders on weekdays and 1200-1500 orders on weekends. -
Management Trainee AnalystShadowfax Technologies Pvt Ltd Jun 2017 - Nov 2017Bengaluru Area, India
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Consultant InternEt Marlabs Nov 2016 - Mar 2017Sri Sri UniversityIt is a Conceptual Project in Fintech, requires to understand the modules of Salesforce CRM and P2P cloud lending platform developed on Salesforce -
InternShadowfax Technologies Pvt Ltd May 2016 - Jul 2016Mumbai Area, India
Harsh Maheshwari Skills
Microsoft Office
Java
Html
Sql
Accounting
Mysql
Microsoft Word
Public Speaking
Management
English
Microsoft Excel
Powerpoint
Team Management
Business Strategy
Business Development
Financial Analysis
C
Business Analysis
Microsoft Powerpoint
Leadership
Research
Teamwork
Data Analysis
Salesforce.com
Analytics
Business Analytics
Tableau
Data Analytics
Business Process Analysis
Phython
Harsh Maheshwari Education Details
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Sri Sri University, Cuttack, Orrisa, IndiaFinance And Information Technology -
The Institute Of Chartered Accountants Of IndiaChartered Accountant
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Rajasthan UniversityBusiness/Commerce, General
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Universal Public School DelhiCommerce And It
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Gyan Vihar Public School - Bhawanimandi (Kota, Raj.)General
Frequently Asked Questions about Harsh Maheshwari
What company does Harsh Maheshwari work for?
Harsh Maheshwari works for Reliance General Insurance
What is Harsh Maheshwari's role at the current company?
Harsh Maheshwari's current role is Chief Manager - Digital Alliance and Strategic Partnerships.
What schools did Harsh Maheshwari attend?
Harsh Maheshwari attended Sri Sri University, Cuttack, Orrisa, India, The Institute Of Chartered Accountants Of India, Rajasthan University, Universal Public School Delhi, Gyan Vihar Public School - Bhawanimandi (Kota, Raj.).
What are some of Harsh Maheshwari's interests?
Harsh Maheshwari has interest in Social Services, Economic Empowerment, Education, Environment, Science And Technology, Human Rights.
What skills is Harsh Maheshwari known for?
Harsh Maheshwari has skills like Microsoft Office, Java, Html, Sql, Accounting, Mysql, Microsoft Word, Public Speaking, Management, English, Microsoft Excel, Powerpoint.
Who are Harsh Maheshwari's colleagues?
Harsh Maheshwari's colleagues are Arpit Tiwari, Abhishek Yadav, Kishor K, Mayur Mahajan, Komal Adsul, Sachin Kumar, Manmeet Kaur.
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