Operator – Getting it Donea. Bootstrapped his way to launching Version1 of platform – P2Pb. Onboarded first enterprise customer within first quarter of launch that gave access to 50K MSMEs.c. Version 2 – marketplace – pivoted to regulation-lite business model.d. Onboarded NBFCs and small finance bank and expanded enterprise partners gaining access to 1.3 Million merchantse. Process automation of post disbursal services – collections (including recovery ops) to customer support to closure.f. Domain experience in launching Inventory Purchase and Working Capital Products for Payment Services, Kirana, Pharma, Mobile Phonesg. Peak monthly disbursals of close to 3000 loans totaling Rs 14 crores.h. Experienced in handling sunk cost fallacy - agri-fintech product pilotPnL buildera. GTM strategist and execution b. Domain expertise in aggregator and marketplace dynamicsc. Demand and supply side network expansiond. Contract negotiations and renegotiations – FLDGs (25% to 10%) and Commission structures (1.1% to 0.65%)e. Grew FY22 revenue of Rs 85 lacs to Rs 4.5 crores in FY23.Product designera. Single handedly created Version 1 of the product – P2P platform. Raced against regulatory timebox to launch platform and ensure launch did not get delayed.b. Navigates the regulatory and business landscape with precision.20171130 - Beta Testing with 100,000 users. 20200508 - Having touched lives of 25000+ MSMEs over 500 cities in India we are now curating/creating a banking experience for 150,000 users on our portal waking up to realities of Post Covid-19 world

• Fund management for optimization of fund utilization, A/c Receivable and Payable management• Liaison with Indian Railways for quick turnaround – NER, NCR, ECR and Northern Railways• Acquisition pricing and sales strategy – Geographical factors, logistics planning, seasonality

Operations Strategy – Cost Variance, Budgeting, Forecasting, Project Management, Process Re-engineering• Productivity Management/ Cost Optimization o Reorganized depository to optimize capacity – achieved cost saving of 16% in HR cost o Prepared capacity plan of KYC/AML team – achieved 60% over capacity reduction• Project Manager o Business Case preparation – e-Insurance Account, CRM, BSM, Process Outsourcing o Implementation of Anti Money Laundering Act across organization covering 180 branches – • Software implementation – procurement, integration, vendor management, process flow set up • Learning and Culture – AML awareness campaign and cultural shift towards AML way of business• Process Re-engineering o Revamped customer complaint handling – dedicated channel for voice of customer o e-statement delivery time halved to 12 hrs after market – server scheduling and software enhancement o Streamlined Dematerialization process – achieved zero non-compliance and zero pilferage• Improved cost effectiveness by implementing capabilities driven and activity based cost allocation• Stakeholder Management – CXOs, CDSL, Vendor, statutory bodies

• Facilitator   of   placing   US   $45   M   of   solar   photovoltaic   wafer   and   cell manufacturing   company   in India to  private  equity  fund• Member  of  due  diligence  and  negotiations  team  for  IRR guarantee  on  preferreds  and  convertible  bond   International  Business  –  Commodity  Supply  –  India;  Indonesia;  Philippines• Expansion  of  sales  and  distribution  channel  of Indonesian  coal  miner  in  India   • Facilitating  signing  of  MoU  between  Philippines  based mining  company  in  international  market

Conceived, developed and successfully implemented business expansion plan of one stop financial services firmExecuted trades on electronic trading platforms of orders worth CAD 2 Million per trading session on averageOutperformed business expansion target by 25%; established 10 franchisees across India that resulted in 47.94% CAGR of revenue between 2003 and 2008Managed 50 member team of Equity Traders, Insurance Agents, Mutual Funds Dealers and Tax Practitioners to reduce client churn rate; increased referral client base by 85%Designed and implemented marketing strategy based on competitive positioning; increased market share from 10% to 40% in highly competitive stock broking businessDeveloped client relationships with High net-worth individuals to improve client experience and reduce client attrition in extremely competitive business environmentRecommended daily trading strategies to franchisees; increased daily trading volume by 80%

· Second in command on Navigation Bridge during emergency procedures to navigate the ship to safety· Liaised cargo handling operations with the Brazilian and Dutch Port Authorities to ensure smooth and fastest turnaround of ship in port which resulted in savings of approximately USD 100,000· Managed international crew of 40 people and successfully led them without any accident through critical tasks such as Ship to Ship lightering, Mooring, and Gas Freeing operations