Sujit Kumar Email & Phone Number

Pune Area, India

 Led the planning and execution of Bajaj Finserv Mobile App integration with the B2B business, achieved 95% app downloads for all loan disbursements in the B2B consumer durable finance segment, resulting in 3 million downloads in one month and contributing 20% to B2B business revenue through App. Developed India Stack digital capabilities, achieving 75% KYC penetration via Digilocker, onboarding 6 lakh accounts through Account Aggregator, initiating UPI Mandate rollout, and driving 99% penetration in Digital Agreements with FPC-compliant audit trails. Conceptualized and implemented a new product category for Pre-owned and Refurbished phone financing within the B2B consumer durable business, while maintaining robust fraud checks throughout the customer journey (40K loan disbursements YTD). Spearheaded cross-functional efforts to implement RBI-mandated Key Fact Statement for B2B transactions, ensuring regulatory compliance and seamless stakeholder collaboration. Designed an end-to-end customer approval journey for at-home services, targeting acquisition of 1 million customers through the app channel. Led the Business Communication team, improving the end-to-end communication process. By switching to the WhatsApp channel, we saved Rs 1.2+ Cr month. New Business Proposals: Contributed to business growth as part of LRS by developing strategic proposals.

Pune, Maharashtra, India

 Led a Team to Develop Multi-Channel Customer Acquisition Features & Digital Platform for In-Store BNPL Lending Developed BNPL App:  Designed and launched a new app for in-store demonstrators in consumer durable finance, digitizing the entire customer journey with 7+ Fintech API integrations from scratch (0 to 1).• Improved Loan Process Efficiency: Used fintech solutions to digitize underwriting, product validation, and offer generation, reducing loan approval time (TAT) by 85%, from 20 minutes to 3 minutes.• Enhanced Sales Team Productivity: Optimized processes and digitization efforts boosted productivity by 50%, positively impacting 32,000 sales executives across 15,000 dealer stores.• Ensured Ethical Business Practices: Led the implementation of the Fair Practice Code to promote fairness, transparency, and integrity across business operations.• Launched Cashback Framework: Introduced a cashback framework for B2B retail lending, driving a 20% increase in business loans during the festival season.• Established New Business Line: Set up a business line for pre-qualified and pre-approved customers, contributing 23% of current loan volume. Collaborated with teams from Risk, Analytics, Operations, IT, and Campaigns for smooth integration and performance.• Improved Customer Satisfaction: Monitored KPIs, key metrics, and customer feedback, leading to a 9% increase in the CSAT score.

Pune Area, India

Defined Product roadmap & execution plan for POS Reinvent – a large Digital Transformation of company’s BNPL (in-store lending) product platform from a disjointed legacy system to an integrated multi module SaaS based product running on Salesforce.com (web & app).• Decreased LAN Generation TAT of a case from >3 days to 6 hrs by designing E2E paperless digital loan process using digital photo, e-Agreement, e-KYC and e-mandate.• Integrated cross sell into single platform & increased cross sell contribution from 18% to 40% in B2B Business’s P&L (contributes 18% of BFL’s P&L). • Decreased Payment Time to Merchant (Time to Cash) of every case from 48 hrs to 4 hrs.• Reduced Cost of Processing a case from Rs 90 to Rs 60 through Paperless features.

Kozhikode Kerala

Bengaluru Area, India

Strategy for new e-commerce venture:Conducted market analysis to understand consumer insight about experience creating offeringsInterviewed 600 target consumers to get expectations and identify gaps in current offeringsFinalize the initial product offerings and plan strategy to start venture in experience offeringsAnalysis of jewellery and gems sector to get consumer preferences on various parameters

New Delhi Area, India

Roles and ResponsibilitiesQuality Analyst in Indian R&D Center- Representative in R&D global team for quality improvement activity for key projects- Resolved critical escalations & issues on customer forum & delivered customer updates customercuupdatesAutomation Test Engineer in Feature and Smart Phone Project Team- Responsible for managing and successful execution of automation mobile testing- Operated different Automation tools and machines with firm knowledge in execution- Achieved delivery of Automation Test for more than hundred models in 13 months- Expansion and Setup of Automation Lab of Samsung India with HQ Korea coordinationModel Test Engineer in Feature phone Europe and Russia Project Team- Lead and planned two testing projects as final deliverables in mobile department of METI- Prepared strategic test plans and completed action plans in efficient time of all team projects- Collaborated with global product teams in Russia , Australia and European countriesAchievementsISTQB [International Software Testing Qualification Board] Certified Test EngineerFacilitated and coordinated the automation testing of flagship models first time in IndiaAppreciated for being an excellent and enthusiastic team member and contributor to all projectsAdministered the first dual sim active feature phone project of Samsung India in TestingInitiativesMentored junior engineers and facilitated the induction and KT of new members to the teamImparted training to expatriates from Australia , Middle East and Vietnam on new technology

Business Administration And Management, General

Activities and Societies: Served as a Member of HRiday, HR interest group of IIM Kozhikode and organized events promoting leadership.

Engineer’S Degree, Computer Science, 74 %

Bachelor’S Degree, Computer Science And Engineering

Activities and Societies: Part of event organizing committee "Tech Trishna" Inter College Technical Fest. Part of event organizing.

High School, Physics Chemistry Mathmatics, 80.4 % (With Honours First Division)

Blogger, Essay writer , Debater and Painter