TWO DECADES. THREE CONTINENTS. ONE PURPOSE — MAKING CREDIT SMARTER.

Senior financial services leader with 20+ years across banking, NBFCs, fintech, and community finance. Deep expertise in credit risk, unsecured lending, data-driven decisioning, and enterprise governance. Trusted advisor to Boards and CXOs with a strong record of translating analytics into P&L impact, building digital underwriting platforms, leading large cross-functional teams, and strengthening portfolio performance 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.

At Paisalo Digital, I led a team of 325 across seven states, helped scale AUM from $952M to $3.2B, and pioneered ML-based underwriting that disbursed $238M in microfinance with zero PSL penalty over five years.

At ElasticRun, I built a 100% in-house risk engine that funded 200K+ rural invoices in 13 months with DPD below 1.5%.

At RapiPay, I was part of the founding team for the fintech — from zero revenue to $119K monthly in just six months, saving $30K in vendor costs along the way.

Today I lead the founding team at Supernirman (Crefin), building India's first anchor-led B2B supply chain finance platform for construction SMEs. My aspiration is to serve as CEO, COO, CRO, or Board Director in fintech or NBFC organizations where responsible scale is the mission.