I TURN RISK FRAMEWORKS INTO REVENUE ENGINES AND COMPLIANCE INTO COMPETITIVE ADVANTAGE.
Two decades across banking, NBFCs, fintech, and community finance in India, the UK and Southeast Asia. Trusted advisor to Boards and CXOs — translating analytics into P&L, building digital underwriting at scale, and strengthening portfolios in regulated environments.
My career began at ICICI Bank in 2002 and has since taken me across three continents and every segment of financial services — from branch operations and consumer durable finance to building India's first digital loan lifecycle and advising UK CDFIs under FCA governance.
What connects every chapter is a single purpose: making credit smarter, faster, and more inclusive. Today I lead the founding team at Supernirman (Crefin), building India's first anchor-led B2B supply chain finance platform for construction SMEs.
Core Expertise
(01—06)Credit Risk
Unsecured lending, ML-based credit models, NPA management, portfolio analytics, co-lending, CIBIL integration.
Digital Lending
API-led underwriting, digital loan lifecycle, GSTN integration, supply chain finance, embedded finance, B2B2C.
Governance
RBI regulations, FCA Handbook, AML/KYC, ALCO membership, Risk Committees, ESG frameworks.
P&L Ownership
Business turnaround, P&L ownership, NBFC operations, strategic alliances, PSL strategy, financial inclusion.
Stakeholder Engagement
Board advisory, CXO presentations, investor relations, Independent Director, cross-functional leadership.
Multi-market Operations
India, UK, Europe, Tier II/III markets, distributed teams, rural lending, CDFI sector, MFI operations.
PAISALO DIGITAL: THE $3.2B ASCENT
As CRO and Head of Strategic Alliances, part of the core team that scaled AUM from $952M to $3.2B while holding Net NPA between 0.24% and 0.34%.
- Pioneered India's first digital loan lifecycle — 10-minute disbursal via proprietary ML engine on AWS + CIBIL.
- Disbursed $238M in microfinance with zero PSL penalty over five years from any PSU bank.
- Built an ML-underwritten $52M unsecured book. ALCO and Risk Committee member.