Creditas is a leading innovative FinTech company headquartered in Gurgaon, India. It leverages Machine Learning, Artificial Intelligence, and other advanced technologies to present Financial Institutions with an enhanced way to reach and interact with their customers. Driven by a vision toradically transform the Banking sector, Creditas has been helping its clients expedite and optimize Customer Acquisition, Cross-Sell, Delinquency Detection, Financial Literacy, and finally, Debt Recovery. The business has seen phenomenal growth over the past 9 years now partnering with all the leading Banks in the country. For more details, please visit https://www.creditas.in/#/In my role as the CFO, I am spearheading Corporate Finance & Accounts, FP&A, Investor Relations, Governance, Legal, and Compliance My focus areas include collaborating with the founders, and business heads to drive the next stage of business growth by driving strategic financial engineering and modeling, budgeting, forecasting, analytics, financial controls, working capital management, treasury function, investor relations, financial and legal due diligence for fundraising, vendor and client contracts management.

• As Head of FP&A -India COE, partnered with leaders of multiple BUs (Research, Consulting, Conferences) with P&L size varying from $500 MM to $ 2.5 BN to achieve their respective mission critical priorities (Contract Value, New Business, Client Retention, Headcount Utilization, EBITDA) through;o Budgeting & Forecasting Key Business Metrics and P&L itemso Tracking Actual Results and Analysing Trends vs Prior Year, Budget & Forecastso Decision Support System through Financial Modelling, Predictive Analysis & Real Time Insights • Led multiple Automation Projects in Microsoft Power BI including a Consolidated Dashboard with $1BN + in revenue resulting in to multi million cost saving. Built India COE from scratch by hiring best talent, team’s professional development through coaching & mentorship.• Leveraged planning & reporting tools like Hyperion, Smart View, Workday, Oracle BI, Power BI

• As Head of India Finance, steered organization from Controllership as well as Corporate FP&A stand point. As member of India Executive Council drove Profit Maximization, Cost Optimization & Corporate Governance in collaboration with stakeholders. Led multiple Automation Projects in Accounting (ERP- Micro Soft AX Dynamics), Payroll & Management Reporting. Got successful assessments of Transfer Pricing & Income Tax Returns for consecutive 6 years and secured refunds from Service Tax dept. • Led efficient Treasury & Cash Flow Management through close monitoring of Working Capital, Investments, Liaising with Banks & NBFCs, Forex - Hedging, Accounts Payable & Receivable.• Led Risk Management & Cost Optimization through financial reviews & commercial negotiations of large sized Operating & Financial Leases with NBFCs, Corporate Real Estate Transactions, Purchase Orders, Contracts & Agreements, Insurance covers, implementation of well-designed Financial Controls, Processes and Policies, Statutory & Legal Compliance, ISO Certification.• Steered Statutory & Tax Audits, Internal Audits in close coordination with Big-4 Audit Firms.• Led multiple Projects for setting up of cost- efficient Office Spaces in Gurgaon (2000+ seats) & Pune (400+ seats) including negotiation of leases & contracts, Statutory & Legal Compliance and Hiring Best Talent.• Got inducted as Board of Director basis performance & demonstration of absolute integrity. Successfully steered company’s exponential growth in terms of P&L as well as headcount from 300 to 3000+. Overseen enabling functions (Admin, HR, Projects, Procurement, Employees Transport).

• As Head of Corporate FP&A initiated framework for Strategic Financial Planning & Analysis and led it at corporate level covering International & Domestic Business Verticals, 4 Delivery Centres, 4000+ Headcount across India & Manila. Led multiple projects focused on Productivity Enhancement & Cost Optimization. • As Finance Controller for Pune & Mumbai Delivery Centres, led Monthly Management Reporting, Financial Controls, Policies & Processes, Statutory Audit, Statutory Compliances, Accounts Payable. • Led Projects for setting up of cost-efficient Office Space (500+ seats) in Mumbai including negotiation of leases & contracts, Statutory & Legal Compliance and Hiring Best Talent. Got Promoted from Group Manager to Associate Director within a year basis outstanding performance. Overseen enabling functions (Admin, HR, Projects, Procurement, Employees Transport).

• As Head of Finance & Accounts led Monthly Management Business Review Pack, Internal Controls, Treasury, Statutory Audit, Statutory & Legal Compliances, Annual & Monthly Financial Statements, Accounts Receivable & Payable, Payroll, Procurement (Capex & Opex), ISO Certification.• Designed and developed Finance Models for Financial Planning & Analysis and presented to prospective investors. Successfully led Co’s Acquisition & Integration process including Business & Legal Due Diligence by Big 4 and top-notch Legal Firms.• Managed Working Capital through cost effective Credit Limits from Banks & Financial Institutions. Set up Financial Policies, Processes & Internal Controls and built a strong team through continuous mentoring. Got promoted from Manager to Sr Manager with in a year basis performance during Co’s acquisition.

• Led finalization of annual Financial Statements, Statutory Audit and Annual Report as per SEBI guidelines.• Streamlined the internal process for Annual Statutory Audit & Internal Audit.

• Designed & Developed Chart of Accounts, Accounting Manual & Procedures, Internal Controls, Policies & Processes. Responsible for Accounts Receivable & Accounts Payable, Preparation of Financial Statements, Statutory Audit, Internal Audit, Inward & out-ward remittances, Statutory Compliance • Got exposure of Business Process Reengineering (BPR), Contract Accounting, Project wise Financial MIS in Hyperion. Started as Management Trainee & got promoted twice basis outstanding performance.

Post completion of three years CA Articles continued with the same CA Firm and led the teams for various assignments of Statutory Audits, Internal Audits & Special Audits for clients like ITC Group ( Hotels & Tobacco Division), Khaitan Electricals, Remsons Industries, Dalmia Sugar Mills, Century NF Casting, WPIL, India Foils Ltd.