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Nikhil Joy is the Vice President for Lending Solutions at SwiffyLabs. He brings in over a decade of experience in FinTech that spans across payments, lending and pre-paid instruments. Previously, Nikhil was the Vice President and Head of Product Management at ZestMoney and was responsible for driving growth at the digital lending platform. He was also one of the Co-founders of Tortoise, a Fintech start-up that lets customers save towards a goal and earn rewards in the process.
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Head Of FintechNoonDubai, Ae -
Vp - LendingSwiffylabs Sep 2023 - PresentBengaluru, InSwiffyLabs is a global financial services SaaS company. Headquartered in Bangalore, the company is building a full-stack technology platform to empower institutions to launch and scale diverse financial solutions. We are obsessed with tech that adapts, not crumbles. Our lending and payment solutions are designed for flexibility and scalability, allowing financial institutions to create customer solutions that fit their needs.The ready-to-deploy infrastructure caters to both established players and emerging fintech innovators, ensuring they have the tools and support needed to thrive in a competitive market.At SwiffyLabs, we champion a core belief: Build Banking and financial technology that stays relevant. -
Co-FounderTortoise Sep 2022 - Aug 2023Gurgaon, Haryana, InHelping customers earn rewards by saving money towards large ticket purchases such as Jewellery, Electronics and Travel -
Vp & Head Of ProductZestmoney Apr 2021 - Sep 2022New Delhi, New Delhi , InResponsibilities- Owned the complete ZestMoney product stack which includes customer facing products, merchantfacing products, lender integrations, platform products and risk management products.- Managed a team of 31 product managers and designers that span across the above areas of product- Drove the overall product vision and strategyImpact- The ZestMoney BNPL product suite was used by over 1.1 Million customers monthly across E-commerce, In-store, Electric vehicles and Ed-tech categories- The ZestMoney BNPL and EMI solutions were integrated on the checkout of over 10K E-commercemerchants and over 100K in-store retail touch points- The ZestMoney platform was used by 26+ institutional lenders to build their unsecured loan books -
Senior Director & Head Of Product ManagementZestmoney Oct 2019 - Mar 2021New Delhi, New Delhi , In-Scaled the product team from a 9 member team to a 22 member team-Expanded the ZestMoney product offering to include short term BNPL in addition to EMIs-Ideated and launched a virtual credit card on UPI rails-Launched ZestMoney's first native android App-Integrated OEM brand subvented schemes to ZestMoney on In-store channels-Set-up product analytics on MixPanel and Marketing automation via Salesforce Marketing Cloud andMixPanel- Launched digital solutions to loan restructuring and moratorium
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Avp - GrowthZestmoney Oct 2018 - Oct 2019New Delhi, New Delhi , In- Led the integration of ZestMoney with PineLabs - the largest POS distributor in India- Led the integration of ZestMoney with top e-commerce merchants - Amazon, Flipkart, MakeMyTrip, Myntra among others- Introduced insurance bundling with ZestMoney loans contributing to upto 50 bps of additional revenue
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Growth LeadZestmoney Sep 2017 - Sep 2018New Delhi, New Delhi , In- Integrated ZestMoney with top payment aggregators - RazorPay, Billdesk, CashFree- Integrated and scaled the first set of Edtech merchants for ZestMoney
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Avp - New InitiativesChillr Nov 2015 - Sep 2017- Owned and managed the 1-click invest mutual fund product on Chillr- Owned and managed the micro-loans product on Chillr
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Product ManagerMobme Wireless Solutions Limited Feb 2015 - Nov 2015Cochin, Kerala, In- Entrepreneurial driver of "Scrooge" App - automated savings and investments - acqui-hired by the Chillr team -
Customer Account ManagerTata Steel Jul 2014 - Dec 2014Mumbai, Maharashtra, In -
Management TraineeTata Steel Apr 2014 - Jul 2014Mumbai, Maharashtra, In
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Summer InternTata Steel Apr 2013 - Jun 2013Mumbai, Maharashtra, In
Nikhil Joy Skills
Nikhil Joy Education Details
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Indian Institute Of Management, KozhikodeE-Business -
Mahatma Gandhi UniversityElectronics And Communications Engineering
Frequently Asked Questions about Nikhil Joy
What company does Nikhil Joy work for?
Nikhil Joy works for Noon
What is Nikhil Joy's role at the current company?
Nikhil Joy's current role is Head of Fintech.
What is Nikhil Joy's email address?
Nikhil Joy's email address is ni****@****ail.com
What is Nikhil Joy's direct phone number?
Nikhil Joy's direct phone number is +91 484 649*****
What schools did Nikhil Joy attend?
Nikhil Joy attended Indian Institute Of Management, Kozhikode, Mahatma Gandhi University.
What are some of Nikhil Joy's interests?
Nikhil Joy has interest in Social Services, Education, Environment, Science And Technology, Human Rights, Health.
What skills is Nikhil Joy known for?
Nikhil Joy has skills like Business Strategy, Team Management, Business Analysis, Microsoft Office, C++, C, Market Research, Teamwork, Leadership, Microsoft Excel, Management, Product Management.
Who are Nikhil Joy's colleagues?
Nikhil Joy's colleagues are Mian Muhammad Saad, Dawa Chhiring, عبدالرحمن الروقي, Muhammad Ramzan, Ingy Badawi, Shahid Mehmood, Ali Akber.
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