Operationalizing Digital Democracy in SME Lending is both fun and challenging considering the diverse SME segments and the business paradigms in the context of Coivid - Still show must go on, working capital is the need of the hour, I am orchestrating across various functions to put all these pieces together.

MoneyOnMobile is an agent-based mobile payments company based out of Mumbai- www.moneyonmobile.inBuilt auto-debit of EDI, built partnerships for the pilot of wallet financing based on alternate data using ML for credit scoring. Executed digital payment strategy for partner banks and financial institutions from design to delivery leveraging the company's country wise SME, merchant and agent networks. Liaised with the RBI)and other regulatory authorities to draft guidelines conducive to the sector ensuringa viable business model for the stakeholders. Reviewed market conditions and consumer behaviour segment-wise and executed a range of marketing strategies for quicker adaption to digital payments. KEY ACCOMPLISHMENTS► Acquired 10,000+ new merchants into new digital loans distribution .Increased the loan distribution and repayment by double digita in 6 months.► Launched insurance premium payment and policy renewal. ► Kick-started B2C for cash to digital, digital to cash using merchant's network.► Led development and launch of digital payments for 3 different segments Students, Low/ Mid income group ► Designed and delivered a model to boost user transactions via store finder service via proximity services

Hands-On Concept2Commercial products launch, Technical, Business, Partnership, Products, management With P&L. Built AI/ML models for credit scoring, Conceived Video Expression Analytics for lending and lined up partnerships for back testing. Built psychometric tests for personality scoring. Piloted DLT-SmartContract based Wallet financing, with the strong background in OOPS and C++ programming, I am more hands on in leading engineering team,

Consultant - Comviva India ► Created ecosystem of partners in Bangladesh and built the first Banking customer base for Comviva within 6 months.► Built inroads into banking sector for Comviva products known only for Telco-specific financial services products.► Expanded client base through financial services product offerings inside the banking sectors of Bangladesh.

Have lead hands-on PoC developments in Smart Contracts, BI, AI/ML modelling for credit scoring etc.Have lead business and partnerships for key products in financial services and lending

This is a company with Edelweiss as one of the key partners, its instituted for digitising end-end loan processing and design and delivery of new loan products for acquiring un-organized SMEs validation. Designed systems for automated KYC validations, detecting faults, and improving TATs. Built Wallet financing for funding digital merchants. Pilot of AI/ML score cards leveraging informational, financial transactions. Piloted DLT based Smart contracts and Psychometric based personality scoring

Hired by EY to conceive and launch an innovative end-to-end digital banking model for rural to retail banking for the bank. Liaised with regulators and lobbied for policies and guidelines formation. Increased the value of transactions and improved user engagement. Improved bank’s visibility and brand awareness.KEY ACCOMPLISHMENTS► Set up a first-of-its-kind retail bank in Bhutan with 35 core branches and 165 Kiosks - mini-branches with handheld ATMs (mPoS) and other banking services via connected via servers to act as extensions of bank branches. Leveraged merchants network and other Government co-operative shops as part of digital payment initiatives.► Conceptualized, identified and signed up partnerships. Commercially launched micro-financing for SMEs and retailers with zero credit history via mobile financial transactions. Contributed 1% in revenues during just the pilot phase of the launch.► Improved the loan repayment track records by double digits via the new channel. Acquired 60,000 new user into new digital banking. Built micro-loans distribution and collection of repayments via wallets and mPoS at merchant’s network that improved the loan repayment rate dramatically. ► Planned and launched multiple digital banking models and increased adoption by double digits in 2 years. Increased float in the savings account.Built cross-vertical partnerships which was previously on hold.► Conceived a product of women empowerment via financial services initiatives, created internal alignment among the board, built partnerships across the industry.► Created change management and transformational process for improving operational efficiencies - built the automation process, convinced the management to invest in tools and improved efficiencies by 50%► Client brands worked with- Asian Development Bank, Ernst & Young, Infosys

Digital payments start-up OneCardManyTransactions - proximity BLE, IoT based digital business cards - https://youtu.be/5vx1lyDi-DU Conceived the product idea and built the first PoC hands-on. Built partnerships with Banks, and merchants and acquired pilots and backtesting of data using the product. Identified, negotiated and deepen the engagements with tech, hardware partners. Identified strategic partners and created engagement / partnership models with cross-industry enterprises. Successfully launched the product pilot with a banking partner. Created new revenue streams for the organisation.

Axiata Group companies has a turnover of ~US $8B and comprises Telcos across 6 APAC countries and investments in Exchange houses. Its digital commerce hub interconnects Telcos,Financial Institutions, Banks across APAC thorugh mCommerceDeveloped mobile wallets, digitized trade financing leveraging proximity solutions. for Axiata’s Exchange house for promoting mobile wallet for cross border remittances thereby creating new revenue streams for the organization. Worked in partnership with bKash Bangladesh funded by the Gates Foundation. Created business plans for mobile cross-border remittances HUB that connects Telocs, Banks, exchange houses and other enterprises across geographies. Liaised with regulators, lobbying for policies and guidelines formation.KEY ACCOMPLISHMENTS► Launched cross border money transfers with cross-vertical partners across 4 corridors UAE → India, Bangladesh; Malaysia → Bangladesh; Malaysia → Indonesia.► Identified strategic partners and created engagement / partnership models with 18 enterprises across geographies and verticals► Created the new business unit of digital payments via wallets for partnerships of BRAC Bank and Robi in Bangladesh that accelerated user acquisition and transaction by over 50% within two years of launch► Designed and commercially launched micro-loans distribution and collection of repayments via wallets at merchant’s network that improved the loan repayment rate by over 50%

Conceived and launched m-Commerce hub business units across Tata groups and the partners including Axiata, a Telco group in Malaysia with operations in 7 countries. Led the digital payment initiatives across 6 countries. Built local partnerships across 6 APAC countries for the digital payment initiatives. Headed P&L, strategy, road maps,business plans & RoI analysis. Oversaw Telcos, Banks and financial institutions across North America, Europe & Asia.KEY ACCOMPLISHMENTS► Signed up 100,0000 SMEs across the country in 1 year. Built 15 partners in 2 years across 5 countries. Launched phase wise project launch plans and built categories of new products initiatives catering to different segments. ► Created new revenue streams, contributed 15% of total remittance to a partner bank in the first two years.► Launched pilot project in 6 months. Aligned key leaders across industries and geographies towards a common goal.► Increased SME Loans distribution and decreased cost of repayment collection by leveraging mobile wallets.► Built new user segment in student community to use banking system via QR Code. Enhanced engagement of new and old user based via proximity based digital banking products.Created quick proof of concepts using local resources and ecosystems.► International Experience -Experience in partnering with cross-border cross-vertical industry leaders, interacting with bodies such as GSMA, working with regulatory authorities of various countries, working with Telcos and Banks across 6 APAC countries► Client brands worked with - HSBC, Mashreq Bank, Etisalat UAE, Exchange houses and UNCDF

Business development via monetizing digital solutions and digital contents and assets, Team building, Partner Development, Business management. Built various PoC applications and identified partnerships

Business Development