As CEO of an early-stage FinTech startup specializing in cross-border payments, I played a pivotal role in defining and executing the company's strategic direction, which was instrumental in pivoting towards the payments vertical and accelerating growth.

Shelv is a collaborative economy platform which allows people and businesses to create and manage virtual catalogs of books and games they own. Shelv thus enables a peer to peer reselling model by finding the BEST FIT BOOK (BFB), people are looking for. Our USP lies in getting the books closer, faster and cheaper to people by engaging not only others but also local book sellers and delivery partners. In the long term, the vision is to evolve into a marketplace where people and businesses can buy or sell books, DVD's, games and more. One of the big differentiators is the unique aspect of our business model wherein there is no product ownership or warehouse requirement for Shelv as such.

- Compile and review individual business forecast submissions, understand major drivers, present.- Collect and analyze financial data used to determine past financial performance and create pro-forma analysis for long term modeling.- Facilitate daily and monthly dashboard deliverables to executives including narrative analysis on month-end results and explaining variances to forecast/budget.- Responsible for delivering cost benefit analysis and thus facilitating the calculation of RWA - Credit, Operational and Market.- Submit monthly forecast changes and prepare trend reports for analysis and presentations using SAS and Qlikview reporting software. - Explain the calculation and differences of yields and returns when comparing instruments.- Build financial models and analytical tools for CFO to help guide business decisions.- Review monthly results with analysis and commentary on variances to budget, prior forecast, and prior year.- Analyse Market data with country specific macro-economic information and provide commentary to CEO to help drive the business.- Enhance forecasting and planning expertise through streamlined processes and detailed P&L reviews.- Drive process improvements by working with various internal departments to review current processes and recommending improvements- Provide ad-hoc analysis on revenue trends and industry trends per client, as well as prepare corresponding demand and pricing trend analysis.

- Analysed the business requirement to generate customer insights and segmentation, for risk based target marketing and calculated customer satisfaction, research and surveys. - Creating profound business reporting and analytics for Personal Loans, Insurances and CRM. - Driving cross functional analytics by spearheading reporting in Risk, Collections and B2B. - Calculating exposures of different asset variables to validate the performance over the annuity curve. - Analysing the performance of various collection agencies by monitoring operational and end user activities and building effective strategy that can drive the business. - Built vector based best fit forecast models to assess the non-performing assets and hence reduce the gaps by driving operational excellence. - Analysing various marketing channels with closely monitored approval rates and case variables. - Analysing policy rule adequacy to formalize the changes in credit score card stability for private customers. - Developing vintage models to monitor product evolution and hence drive the risk based approach in product development. - Involved in formulating the LGD calculation for implementation of IRB-A for BASEL II and other parameters required for calculating the RWA. - Involved in performance based credit scorecard building by deriving the variable for KGBM analysis. - Helping different marketing activities by constructing risk based campaigns and hence driving better ROA. - Involved in deriving leads for the sales of Payment protection insurance and modulating the profitability hence. - Involved in Profit optimization by understanding the potential in existing business and developing concrete actions to increase the volume. - Involved in building Nordic based Key Information Sharing System Big Data by streamlining the business requirements of Consumer Banking. - Building SAS based automated tools to facilitate daily reporting and analytics and helping in driving business.

- Responsible for analyzing budgets, costs incurred in various projects and drafting Financial Strategy pertaining to Steam and Gas Power Plants held under Business Unit. - Responsible for Budgeting and comprehending the cash flows through various channels of the organization. - Modulating Profit and Loss statements occurred at BU level and validating with overall partners.Aligning corporate principles with financial planning and validating the books.- Work closely with accounting to provide month-end detailed reports with commentary and present month-end actuals to senior management.- Develop financial reports for monthly flash forecasting, trending, and monthly performance results analysis using SAP BW software.

Understanding Third Party logistics and built a report on quality control and lean operational activities.Built web portal to enhance B2B implementation and enabled cross functional communication.

- Functional and Technical testing for Jericho’s e-marketing applications.- Responsibility for the quality assurance of tested applications.- Coordinate with workflow systems and time tracking management practices.

- Expertise in SAP Development including portal System, Content and User Administration.- Experience in design, development and evangelization of various software products.- Extensive experience in documenting the requirements and phasing them till the end.