Collekt is a compound AI platform with an agentic approach to solving bad debt collections for lenders. Our system is built to allow lenders to rapidly benefit from faster, cheaper and better collections, to safeguard against regulatory risks and to ensure empathetic borrower treatment.We operate in fast growing consumer credit markets around the World.Founded by repeat lending tech entrepreneurs we are backed by Village Global and Concept Ventures. If you are a… Show more Collekt is a compound AI platform with an agentic approach to solving bad debt collections for lenders. Our system is built to allow lenders to rapidly benefit from faster, cheaper and better collections, to safeguard against regulatory risks and to ensure empathetic borrower treatment.We operate in fast growing consumer credit markets around the World.Founded by repeat lending tech entrepreneurs we are backed by Village Global and Concept Ventures. If you are a lender looking to finally solve an age old problem, or someone looking to join our team in London, Mumbai or Bangalore get in touch. Show less

* Business acquired by Paytm / One97 in May 2021 *CreditMate is a Financial Technology venture dedicated to solving the critical challenge of overdue payment collection for fintech and institutional lenders in Mumbai, India. Our journey unfolded as follows:Inception and Insight-Driven Pivot: Founded in 2016 as a consumer-facing technology-enabled lender, we learned that whilst most fintech lenders were focused on underwriting decisions, none had invested in the larger issue of… Show more * Business acquired by Paytm / One97 in May 2021 *CreditMate is a Financial Technology venture dedicated to solving the critical challenge of overdue payment collection for fintech and institutional lenders in Mumbai, India. Our journey unfolded as follows:Inception and Insight-Driven Pivot: Founded in 2016 as a consumer-facing technology-enabled lender, we learned that whilst most fintech lenders were focused on underwriting decisions, none had invested in the larger issue of collections, we shifted our focus from lending operations to pioneering collections as a technology and service partner to fintech lenders and later to banks.Holistic Business Model: Our product and service suite encompasses a web and mobile field agent platform, along with a robust network of collection suppliers and agents. Creditmate now serves both large and small lenders, offering either Software as a Service (SaaS) or full-service collection capabilities. Our APIs facilitate seamless data integration, ensuring security and regulatory compliance for institutional banking partners.Data and Machine Learning Driven Success: By December 2020, we had resolved over a million collection cases, leveraging extensive data points across telephony, messaging, and field activities. Crucially, our platform demonstrated superior collection efficacy compared to legacy methods, resulting in substantial savings by preventing bad debt write offs and optimising collection costs.Acquisition by Paytm: The handover, completed by the team and I by Mid 2021, just in time for Paytm’s landmark $20Bn IPO. The acquisition provided them with a critical product set to enable rapid scale of their primary revenue stream, lending. Show less

*Business acquired by Reliance Jio in 2019*

*business acquired by Reliance Jio in July 2015*I founded and built ‘BillBachao’ an innovative direct to consumer telecoms price comparison service which used app-based usage analysis to accurately recommend money saving tariff plans to consumers in India, one of the World’s largest and most complex telecoms markets. We built the business to scale with over a million downloads within 18 months.Our core capability was in providing a simple and intuitive front-end user experience… Show more *business acquired by Reliance Jio in July 2015*I founded and built ‘BillBachao’ an innovative direct to consumer telecoms price comparison service which used app-based usage analysis to accurately recommend money saving tariff plans to consumers in India, one of the World’s largest and most complex telecoms markets. We built the business to scale with over a million downloads within 18 months.Our core capability was in providing a simple and intuitive front-end user experience by using technology to interpret large amounts of informal and disorganised data including thousands of changing telecoms tariffs, millions of end user usage and location data. For end users we provided a cost saving bespoke recommendation of a bundle of prepaid plans to save them money, the ability to transact on these plans, as well as a recommendation for the most optimal service provider based on signal quality and data speed in their home, work and travel locations. Because of our crowd sourced signal and spend data, we also enabled mobile operators with invaluable access to huge scale network and capacity planning data which they otherwise spent significant capital and time on achieving (by driving key areas in mobile enabled vans). The business was fully acquired in 2015 by India’s largest and most prolific Business group, Reliance, to help power the launch of their challenger Mobile Network Operator; Reliance Jio. Show less

Development and deployment of Vodafone India's internet and data strategy including:3G, 2G, EDGE, EVDO, Fixed23 local markets, 150 million customersProduct strategy and management for data services including Content, Video, Applications, Portals, VAS and new service development including m-commerceStrategic partnership and business development with key suppliers, partners and OEMs

Run Vodafone Internet Services for Vodafone's emerging markets portfolio in Asia, Africa and Central Europe.Development and deployment of Emerging market relevant products, services, pricing and capabilities in VAS, Data and Internet services.Management of Internet teams accross region.Revenue accountability for Internet and Content revenues accross the region. 3X revenue growth in tenure

Heading up:+ ADSL and Mobile Internet+ Vodafone's online proposition and portfolio of fixed and mobile sites and portals+ Internet company acquisitions and integration+ Strategy and deployment of online and mobile advertising business models+ Convergence products and propositions

Commercial accountability for Content revenues, advertising revenues and business development for key content partnerships

Commercial accountability and new business development for Reuters EMEA. Advertising revenue generation, resales revenue generation and business evolution.

Digital Advertising Technology. Acquired by WPP for c. $0.75 BnCommercial Director at Real Media. Ran the advertising sales team from start up of UK office for 4 years to over 40 heads at time of leaving and revenue run rate from 0 to over 40M GBP. Secured representation contracts and relationships with new media and traditional publishers including News International etc.