Experience

DESTINY FINCO PVTLTD

• India
• Financial Services
• 1 - 100 Employee

• Managing Director

  • Aug 2021 - Present

  Kolkata



Conscience VC

• United States
• Venture Capital and Private Equity Principals
• 700 & Above Employee

• loan Syndicator

  • Jun 2014 - Oct 2021

  Kolkata Area, India Work on Fund Raising for Micro Finance Institutions and Other Social Projects. Currently Associated with 6-7 MFI/NBFC across India.



Mahashakti Foundation

• 1 - 100 Employee

• Director Finance(Part Time)

  • Jan 2015 - Dec 2017

  Bhubaneswar



Sahaj e Village ltd

• Vice President

  • Jan 2012 - Apr 2014

  Kolkata Area, India • Instrumental in establishing the Financial Inclusion business of the organization across 6 states, 107 districts and 28000 CSCs . • Managing budgets, business alliances and developing sales plans. • Ensuring excellent relations with all the Banks, Financial Institution and government bodies. • Engage them regularly to get projects on or for various financial products the organisations. • Sensitising internal stake holders on concept of Financial Inclusion and garnering their… Show more • Instrumental in establishing the Financial Inclusion business of the organization across 6 states, 107 districts and 28000 CSCs . • Managing budgets, business alliances and developing sales plans. • Ensuring excellent relations with all the Banks, Financial Institution and government bodies. • Engage them regularly to get projects on or for various financial products the organisations. • Sensitising internal stake holders on concept of Financial Inclusion and garnering their support. • Hand holding staffs and business partners for smooth running of the business and achieving organisational objective • Regularly training subordinates and business partners for operational excellence • Tracking RFP and LOI. • Writing Standard operating process (SOP) for all the business process for smooth operation • Acquiring new customer and enabling new services of the old and new customers • Cross selling other product like insurance, Micro pension and other services. • Establish Sahaj Brand in Financial Inclusion Space • Contributing regularly at various forum on policy matter in the form of write ups, white paper etc • Involving the community at various level on Financial Inclusion and Financial literacy • Liaised with all major Banks and various Govt. Departments resulting in 28 clients within 2 years • Delivered lectures at various prestigious forums like Confederation Indian Industry (CII), Indian Institute of Technology (IIT, Kharagpur), GIZ, Micro Save, etc. Show less



Fino Payments Bank Ltd

• India
• Financial Services
• 700 & Above Employee

• Sr. Manager,

  • Jul 2011 - Jan 2012

  Navi Mumbai, India Responsible for developing new products and service pilot it and launch it. Overall responsible for owning a concept and developing it to a new product. Establishing suitability of the product in the market place. Managing the Initial stages of PLC of the product

• State Head Operation, Rayaseema Region of AP.

  • Jul 2010 - Nov 2011

  Bangalore Working as head of operation for this region.The responsibility include setting of infrasture for EBT payment in around 3500 GP of Andra Pradesh.This includes appointment of DC,BC,CSP,smart card customer enrolment,activation & cash disbursement.Ensuring safe hand over of cash in all the places & reconciliation of books with banks book.



3i Infotech Ltd.

• India
• IT Services and IT Consulting
• 700 & Above Employee

• Sr. Business Developement Manager,( Retail).

  • Sep 2008 - Jun 2010

  Bangalore 1.Establishing business alliances with financial institutions to sell their products at the company retail stores. 2.Undertaking the structuring, design, piloting and development of products. 3.Designing integrated communication strategy for the products. 4.Sourcing the right kind of partner whose services suit the company business. 5.Developing the right product for the partner which can be sold to the target segment. 6.Maintaining excellent relations with the Financial… Show more 1.Establishing business alliances with financial institutions to sell their products at the company retail stores. 2.Undertaking the structuring, design, piloting and development of products. 3.Designing integrated communication strategy for the products. 4.Sourcing the right kind of partner whose services suit the company business. 5.Developing the right product for the partner which can be sold to the target segment. 6.Maintaining excellent relations with the Financial Institutions in all levels. 7.Handling MIS & Reconciliation; organising training for the work force. 8.Preparation of presentations on various activities of business development team, Operation team, fine tuning sales & marketing strategies. Show less



ICICI Bank

• India
• Banking
• 700 & Above Employee

• Cluster Head, RMAG

  • Jun 2003 - Jun 2006

  Handling the agri related retail and semi wholesale products in the asset, liability, insurance and fee based income business. Promoting products in the asset portfolio that included farm Equipment Finance (Tractor loans), Asset Credit Line (Facilities for Agri Traders), Retail Warehouse Receipt Finance (Working Capital Loans against Hypothecation), Farmer Finance (Crop Loans), Micro Finance and Jewel Loans. Undertaking detailed analysis of the credit worthiness of the customer requiring… Show more Handling the agri related retail and semi wholesale products in the asset, liability, insurance and fee based income business. Promoting products in the asset portfolio that included farm Equipment Finance (Tractor loans), Asset Credit Line (Facilities for Agri Traders), Retail Warehouse Receipt Finance (Working Capital Loans against Hypothecation), Farmer Finance (Crop Loans), Micro Finance and Jewel Loans. Undertaking detailed analysis of the credit worthiness of the customer requiring loans in order to avoid NPA’s. Dealing with insurance portfolio including rural non life insurance and life insurance. Leading the team of Managers, Relationship Managers, Deputy Manager and Assistant Managers.

• Manager

  • 2003 - 2006



Indus ind Bank ltd

• AO

  • Jun 2000 - May 2003

  Balasore Area,Odisha, India Ensure smooth operation of my branch. Disbursing the targeted loans Collecting all money from customer on time.