THE CAREER ARC.

Supernirman Materials / Crefin

Chief Risk Officer · Founding Team Member

• —Built India's first anchor-led B2B supply chain finance platform from stealth to traction.
• —Engineered 90-day revolving limits secured by invoices and stock; deployed 60-second underwriting via GSTN and CIBIL APIs.
• —Forged co-lending partnerships with two scheduled banks and eight NBFCs.

NTEx Transportation / ElasticRun

General Manager, Risk Policy · Leadership Team

• —Headhunted to launch risk vertical for India's fastest unicorn B2B platform; scaled lending to 450K+ rural Kirana stores in 13 months.
• —Funded 200K+ invoices worth $24M with DPD below 1.5% using a 100% in-house underwriting engine.
• —Onboarded 10+ anchor FMCGs and one bank for co-lending.

RapiPay / Capital India Finance

Head, Risk Management & Digital Underwriting

• —Part of the founding team; grew monthly revenue from $0 to $119K in six months.
• —Built underwriting stack on open-source and CIBIL; saved $30K vs vendor tools with zero fraud loss over nine months.
• —Cut DPD+90 to 0.8%; fraud playbooks adopted by four peer NBFCs.

Paisalo Digital Limited

Chief Risk Officer (2019–21) · Head Strategic Alliances (2017–19) · Head Consumer Durable Finance (2016–17)

• —Part of the team that scaled AUM from $952M to $3.2B; maintained Net NPA at 0.24%–0.34%.
• —Pioneered India's first digital loan lifecycle — 10-minute disbursal via proprietary ML engine on AWS + CIBIL.
• —Led 325-member pan-India team across seven states; disbursed $238M in microfinance with zero PSL penalty across five years.
• —Member of ALCO and Risk Committee; built ML-underwritten $52M unsecured book.

Robert Owen Community Banking Fund, UK

Strategic Board Consultant

• —Elevated UK's leading CDFI to FCA flagship status; authored credit strategy and operational risk frameworks.
• —Helped secure £1M EU grant through zero non-compliance audit and robust policy suite for Welsh CDFIs.

Deutsche Bank · Kotak Mahindra Bank · ICICI Bank

Area Head / AVP Branch Manager / Branch Head

• —Built foundational expertise across retail banking, branch operations, and business development at three of India's most respected financial institutions.
• —Delivered $57M retail base and $1B advances at Kotak Varanasi branch; best-in-category revenue and audit ratings at Deutsche Bank.