As CRO, I was part of the core team that grew Paisalo's AUM from $952M to $3.2B. I built a proprietary ML underwriting engine on AWS, enabling 10-minute loan disbursals — the first digital loan lifecycle of its kind in India's NBFC sector.
The $52M ML-underwritten unsecured portfolio maintained NPAs between 0.23% and 0.34% across three financial years.
Headhunted by VCs to build a risk vertical from scratch for India's fastest-growing B2B unicorn. Within 13 months, I scaled credit operations to serve over 450,000 rural Kirana stores across 349+ depots and 97,000+ markets.
Designed the entire underwriting engine in-house, funded over 200,000 invoices worth $24M, and kept DPD below 1.5% — without a single external vendor tool for core risk decisioning.
Part of the founding team that built the fintech from the ground up. In six months I designed a complete risk and compliance framework, launched a cost-efficient underwriting stack that replaced $30K of vendor tools, and onboarded two NBFC co-lending partners.
Monthly revenue grew to $119K, DPD+90 ran at 0.8%, and the fraud playbooks I authored have since been adopted by four peer NBFCs.
As Board Consultant to the UK's leading community development finance institution, I elevated the organization to flagship status under the FCA Handbook. I authored the credit strategy, risk registers, and operational frameworks that passed a zero-noncompliance audit — directly enabling the fund to secure a £1M EU grant.
The governance playbooks I built are now replicable templates for CDFIs across Wales and the wider UK.