Home Credit India

Executive Director and directing the finance function of a ₹60B+ pan India consumer lending asset business spanning 20+ states, 500+ cities and having 18M+ customers. Upgraded the finance organization by scaling up the capabilities in Treasury, FP&A, Controllership, Tax, Co-Lending and Procurement. Steered and transformed the business from a traditional brick and mortar non-banking financial services to a digital first, locally funded, equity efficient and sustainable profitable business. 1 Location, 60+ personnel. • Strategic Transformation: Orchestrated an enterprise-wide business model shift—redesigning products, digitizing channels, optimizing fixed costs, and reducing workforce from 12.5K to 3K while increasing operational resilience. • M&A: Led the full business divestment from PPF Group to TVS, overseeing start to completion and post-deal transitions. • Capital Strategy: Raised ₹50B+ through structured funding and bonds; pioneered a co-lending model with an MNC bank to enable equity-light originations. • Executive Governance: Served as an Executive Director in the Board for four years and committee member for Audit, ALCO, Risk, and Pricing - guiding corporate governance and risk strategy.

Heading Consumer Durable and Mobile category financing for the company. Core Responsibility is to grow AUM from the mentioned business units. Heading Sales Network, OEM relationships, Sales operations unit, Business efficiency and Capability Unit to drive business and build a robust profitable Business vertical.

- Defined and executed the enterprise-wide IT and digital transformation strategy, fully aligned with business growth objectives and long-term corporate vision. - Led internal, statutory, tax, RBI and ITGC audits, strengthening corporate compliance and embedding risk management best practices to enhance governance and audit readiness. - Partnered with executive leadership and the CEO to align technology initiatives with organizational priorities and drive operational efficiency. - Delivered measurable cost savings through strategic vendor management, licensing optimization, and technology resource consolidation. - Enhanced network and infrastructure resilience by implementing redundant systems and high-availability designs to ensure 24/7 continuity of mission critical operations. - Accelerated software delivery cycles through agile transformation, improving release frequency and reducing time-to-market for key digital products. - Developed and implemented a robust disaster recovery and business continuity framework, ensuring resilience and regulatory compliance during critical events.

Responsible for P&L Management of the Personal Loan business (AUM of ~4,000 Crore) and Customer Lifecycle Management of 20M+ customers. • Led a 750+ member team to deliver 2 consecutive years of profitable Personal Loan business. • Spearheaded data-driven segmentation to enhance targeted marketing and omni-channel sales strategies. • Scaled the digital app channel to contribute ~30% of total personal loan sales, driving significant business growth.

Manage Credit, Collections and Enterprise Risk for an omnichannel business, including “high tech-high touch” Point of Sale (POS), Digital Acquisitions, Partnerships, and Cross-sell for revolving credit and personal loan products. Lead a talented, multidisciplinary team across Credit, Risk Analytics (Loss Forecast & ECL Models), Anti-Fraud, Operational Risk, and Collections to foster sustainable and balanced growth for the organization. Advance the agenda for leveraging analytics and data monetization to enable informed decision-making in Credit and Collections

Leading business for Home Credit India, enabling people to extract more from life now and make their #ZindagiHit