I am a proactive and achievement-oriented professional offering over 23 years of diverse experience in pivotal roles such as CEO, COO, Co-founder, Head of Risk, and Business Product Head in both the USA and India, I bring a wealth of knowledge and expertise to the table. Currently, I am directing the Risk & Operations division at Ninjacart, where I focus on refining credit risk frameworks and improving operational efficiencies to foster business growth while effectively managing potential risks.I played a crucial role in the 0-1 development of Karbon Cards, where I established standard operating procedures (SOPs), built cross-functional teams, and drove growth through customer adoption and fundraising efforts, securing $17 million in funding, including entry into Y Combinator. My unique blend of strategic risk management, operational excellence, and data-driven decision-making is underpinned by a solid foundation in financial modeling and analytics.Throughout my career, I have a proven track record of architecting enterprise-wide risk management frameworks that safeguard organizational assets, ensure regulatory compliance, and support business objectives. I have hands-on experience in financial modeling and risk assessment techniques, creating credit policies and risk scorecards tailored to meet the diverse demands of different markets. My ability to shape business strategy through risk analysis, market insights, and performance metrics enables sustainable growth in rapidly evolving markets. As a people-oriented leader, I excel at building and leading high-performing teams toward common goals and have successfully developed businesses from the ground up.