Over 30+ years of my career covering Banking and Financial Services and FMCG, I have held leadership positions in organisations like HSBC, the Tata Group, the Muthoot Group and Muscat Finance, Oman.Currently, as a Fintech leader, I am focussed on building an innovative digital banking solution tailored to the financial needs of the Gen Z population. I am a passionate believer in leveraging technology to streamline day to day activities and reduce pain points.My expertise lies in Retail and SME Lending, Credit Risk Management, Strategic Planning and Business Development. Over the past three decades, I have built profitable and robust businesses, demonstrating my ability to deliver results.Established the Muthoot Housing Finance Business from a start-up to having a presence in 8 states with more than 50 branches. Additionally, I developed a Credit Assessment model for the informal sector, contributing to financial inclusion on a large scale.I thrive on fresh challenges, whether it's optimizing customer journeys by reducing touchpoints or achieving personal bests in marathons.