StartupLanes

Lending and fintech professional with 13+ years of experience across underwriting, credit risk, collections, operations, and business scaling. Worked with leading NBFCs like Chaitanya Fin Credit Private Limited and IIFL Samasta Finance Limited, along with fintech companies such as Navi and Refyne. Expertise in building lending businesses from scratch, developing underwriting frameworks, creating credit models, and setting up operations that enabled scalable growth. Helped scale monthly turnover from ₹5 lakhs to ₹150+ crores while maintaining an annualized NPA of ~1.2%.

Strong background in collections and recovery management, achieving 80% recovery in DPD 90+ accounts. Played a key role during demonetization and COVID-19, ensuring repayment efficiencies of up to 99%.

Worked closely with founders in scaling businesses from 0 to 1, 1 to 10, and 10 to 100. Experienced in building teams, improving portfolio quality, and aligning operations with growth objectives.

Completed a Post Graduate Diploma from IIM Lucknow and an MBA from NMIMS.

Focused on solving credit accessibility challenges for small and medium businesses through technology-driven financial solutions.