Experience

Myfin.in

• India
• Financial Services
• 1 - 100 Employee

• Founder

  • Nov 2019 - Present

  Mumbai, Maharashtra, India Myfin.in is a recently launched Digital Lending Platform providing Speedy, Convenient Online Salary Advance Loans to the salaried segment with a focus on the blue collared employees. This unique B2B model uses a proprietary credit algorithm to evaluate the end customer based on their socio-economic profile. Myfin.in, as a part of its larger objectives, aims to - offer all kinds of innovative and “need of the hour” retail lending products, - to address the financial needs of the… Show more Myfin.in is a recently launched Digital Lending Platform providing Speedy, Convenient Online Salary Advance Loans to the salaried segment with a focus on the blue collared employees. This unique B2B model uses a proprietary credit algorithm to evaluate the end customer based on their socio-economic profile. Myfin.in, as a part of its larger objectives, aims to - offer all kinds of innovative and “need of the hour” retail lending products, - to address the financial needs of the unserved and the underserved segment amongst all classes of customers such as blue collared workers, white collared employees, MSMEs, small retailers and the mass retail consumer segment - with effective use of technology and automation of standard methods and processes - thereby increasing the efficiency and productivity and levels of service to the end customer - while simultaneously retaining the traditional models of lending Show less



EzeeBucks

• United Arab Emirates
• Accounting

• Founder

  • Dec 2015 - Nov 2019

  Mumbai Area, India EzeeBucks (name changed from Ezeefinanz) started off as an Intermediary for all Loan Products, partnering with 33 Banks / FIs. Made a transition from being a pure intermediary to a financial technology company by launching an innovative Online Short Term Loan for the mass salaried segment



FinSMart

• Professional Training and Coaching

• CEO

  • Sep 2010 - Dec 2015

  Mumbai  FinSMart is a Retail Financial Services Distribution Company which aims at being: o Multi Product – Home Loans, Personal Loans, Business Loans, Car Loans, Life Insurance and General Insurance offering customers o Multi Choice – Option of viewing products of various manufacturers and selecting the product best suited to their needs reaching the customer through o Multi Channels – Strong Online platform complemented by a robust Offline Sourcing cum Fulfillment Platform and providing… Show more  FinSMart is a Retail Financial Services Distribution Company which aims at being: o Multi Product – Home Loans, Personal Loans, Business Loans, Car Loans, Life Insurance and General Insurance offering customers o Multi Choice – Option of viewing products of various manufacturers and selecting the product best suited to their needs reaching the customer through o Multi Channels – Strong Online platform complemented by a robust Offline Sourcing cum Fulfillment Platform and providing end to end o Fulfillment and Service – right from sourcing of the product till the maturity of the product especially after sales mainly catering to the large Middle Class segment of the economy Show less



India Infoline Ltd

• India
• Financial Services
• 100 - 200 Employee

• Vice President & Director - Moneyline Credit Ltd. (Retail lending NBFC)

  • Mar 2006 - May 2010

  Mumbai Portfolio Vice President – General Insurance (April 2008 till date)  Accountable for Setting up the distribution network for General Insurance across the country for ICICI Lombard & Reliance General Insurance  Operational in 23 cities across the country  Responsible and Accountable for achieving top line (Revenue) and bottom line (P & L) targets Previous Portfolio Vice President – Loans (April 2006 till March 2008)  Accountable for Setting up the distribution… Show more Portfolio Vice President – General Insurance (April 2008 till date)  Accountable for Setting up the distribution network for General Insurance across the country for ICICI Lombard & Reliance General Insurance  Operational in 23 cities across the country  Responsible and Accountable for achieving top line (Revenue) and bottom line (P & L) targets Previous Portfolio Vice President – Loans (April 2006 till March 2008)  Accountable for Setting up the distribution network for Mortgages, Personal Loans & Credit Cards across the country for 3rd party Loan products  Operational in 17 cities across the country  Setting up of the Internal Lending Arm (Moneyline Credit Ltd.)  Responsible and Accountable for achieving top line (Revenue) and bottom line (P & L) targets for Mortgages, Personal Loans & Credit Cards Show less



Moneytree Consultancy Services Pvt Ltd

• Chief Executive Officer

  • Oct 2004 - Mar 2006

   Entrepreneurial venture into the area of distribution of 3rd party Loan products – acquired by India Infoline Ltd. on 1-Apr-2006  Products distributed by the organization were Mortgages and Personal Loans, Participating Banks – ICICI Bank, Kotak Bank, IDBI Bank, CITI Financial, HDFC Bank  Operational in 4 cities across the country  Brief venture lasted for about 18 months before the organization was taken over by India Infoline Ltd.  Takeover was initiated by India Infoline… Show more  Entrepreneurial venture into the area of distribution of 3rd party Loan products – acquired by India Infoline Ltd. on 1-Apr-2006  Products distributed by the organization were Mortgages and Personal Loans, Participating Banks – ICICI Bank, Kotak Bank, IDBI Bank, CITI Financial, HDFC Bank  Operational in 4 cities across the country  Brief venture lasted for about 18 months before the organization was taken over by India Infoline Ltd.  Takeover was initiated by India Infoline Ltd. to scale up the venture Show less



Apnaloan.com India Pvt Ltd

• Business Head - Home Loans & Credit Cards

  • May 2000 - Sep 2004

   As National Head - Responsible and Accountable for achieving top line (Revenue) and bottom line (P & L) targets for Mortgages & Credit Cards  Operational in 11 cities across the country  Responsible for: • Tying up with financial institutions for participation on Apnaloan.com web site • Tying up with leading developers across the country for offering their projects to the customers and getting a direct access on their site and office premises to actively source… Show more  As National Head - Responsible and Accountable for achieving top line (Revenue) and bottom line (P & L) targets for Mortgages & Credit Cards  Operational in 11 cities across the country  Responsible for: • Tying up with financial institutions for participation on Apnaloan.com web site • Tying up with leading developers across the country for offering their projects to the customers and getting a direct access on their site and office premises to actively source applications • Tying up with B2E for being their exclusive loan channel partners for the loan requirements of all their employees • Developing new products and concepts in Home Loans and launching them successfully with 1 or more banks. • Designing, co-coordinating and implementing online campaigns for Credit Cards with various banks. • Data mining of each campaign to arrive at a cost-benefit analysis of such campaigns to find out the success ratio of each such campaign and the pay back time of each such campaign • Designing and implementing various contests for the field sales force at an All – India level to ensure high level of competition amongst the sales force and to keep the motivation running high all the time Key Achievement  Successfully achieved in making Apnaloan.com the single largest distributor of Home Loans in the country  Largest Credit Card distributor (multi-vendor) in the country  Largest Home Loans distributor (multi-vendor) in the country Show less



ICICI Ltd

• India
• Financial Services
• 1 - 100 Employee

• Credit Head - Home Loans

  • Nov 1998 - Apr 2000

   Responsible for: • Product development for different sections of the society and devising credit policy for the same • Setting up of branches at various locations in India • Sanctioning of loans for retail customers  Involved in strategic decision making for penetrating the market  Involved in preparation of policy and procedure manual for setting up of the Home Loans Division  Involved in designing portfolio buy - out of various companies  Preparation of MIS reports… Show more  Responsible for: • Product development for different sections of the society and devising credit policy for the same • Setting up of branches at various locations in India • Sanctioning of loans for retail customers  Involved in strategic decision making for penetrating the market  Involved in preparation of policy and procedure manual for setting up of the Home Loans Division  Involved in designing portfolio buy - out of various companies  Preparation of MIS reports for top management to aid in decision making Key Achievement  Designed and Implemented the “First Credit Manual of Home Finance” Show less



HDFC Ltd

• 100 - 200 Employee

• Senior Officer - Operations

  • Jun 1995 - Oct 1998

  Reporting to the AGM - Operations  Responsible for individual appraisals and detailed performance appraisal of various corporates like Reliance Industries Ltd., IPCL, HIL, CIDCO Ltd, Wartsila Diesel Ltd., HOCL, etc.  Prepared branch management information reports for senior management and preparation of budgets at the branch level  Involved in marketing of housing finance to individuals and corporate  Involved in the credit appraisal of developers for providing construction… Show more Reporting to the AGM - Operations  Responsible for individual appraisals and detailed performance appraisal of various corporates like Reliance Industries Ltd., IPCL, HIL, CIDCO Ltd, Wartsila Diesel Ltd., HOCL, etc.  Prepared branch management information reports for senior management and preparation of budgets at the branch level  Involved in marketing of housing finance to individuals and corporate  Involved in the credit appraisal of developers for providing construction finance to them and also offered other property related services like broking, valuation, etc. Key Achievement  Was selected as a part of a team for a special assignment along with other senior employees of the organization for the integration of the existing systems of the three branches of HDFC Show less