Experience

VenEx

• India
• Technology, Information and Internet
• 1 - 100 Employee

• Co-Founder

  • Aug 2020 - Present

  VenEx is a new-age, equity-free and inclusive wealth-creation and compensation solution to enable businesses to boost team ownership, growth and profitability, all with a single solution. Think of it as a 10X more effective alternative/complement to Sweat Equity (ESOP/ESPP/SAR/RSU) and other compensation models. VenEx enables businesses to appraise, reward, retain and hire 10X better by creating a gamified 'Wealth Account' for each employee, building 'Wealth Point Balance' in it based on her sweat, loyalty and performance, and paying her 'Sweat Bonuses' from it based on business progress and/or funding events over a period of time, till all the 'Wealth Points' in her account are consumed. Businesses are also using VenEx to reward employees for their contributions, build deeper partnerships with service providers, and win greater mindshare of channel partners; all without increasing the current expenses, consuming the ESOP pools or diluting equity. Additionally, our partnering businesses can leverage the VenEx League of top-of-the-market and startup-friendly experts and service providers (individuals and organisations) to solve their growth and capacity problems in a capital-efficient manner. Over 40 incredible League Members across all key functional areas and high-growth domains are engaging with our partnering businesses in the VenEx ‘skin-in-the game’ model. For more, refer to: http://GetVenEx.com If you are a growth-stage venture or a startup-friendly service provider/ professional, please drop a message or reach out to us at connect@GetVenEx.com/ +919811318949/ +919899003393 &/or fill this form, and we will get back to you within 24hrs: http://bit.ly/VxConnect.



JoGo

• India
• Wellness and Fitness Services
• 1 - 100 Employee

• Founder & CEO

  • May 2015 - Present

  JoGoApp is an integrated & gamified health & fitness app. JoGoApp, enables users to track physical activity via a proprietary JoGo tracker (in-app auto activity tracker) & 40 partner tracking apps/devices. It motivates one to be active via SweetSweats (reward points) redeemable at 1000s of products. It also provides access to 100,000+ health, fitness, wellness products & 1500+ services across 20 categories, thus encouraging everyone to get fit, the fun way! JoGoApp offers Corporate Wellness Programs to Corporates which include a series of on-site & on-line interventions. We work with Insurers to drive preventive care, reduce claims & drive engagement with users. We work with Health, Fitness Brands to drive engagement with their users/members. JoGoApp was rated as Top 5 Startups of 2016. Download JoGoApp on the PlayStore or Appstore: http://bit.ly/1nnjL4b JoGoApp is inspired by my own personal struggle with weight for 10 yrs & a final victory of losing 25 kgs in 25 weeks, doing it the fun way. Of re-discovering old passions & discovering new ones. While I lost the weight, I gained some valuable insights. These insights along with my valuable start-up experience, has & continues to shape JoGoApp. JoGoApp was launched within 3 months of conceptualization. It enjoys a 5 star rating, positive reviews and a loyal customer base. Have suggestions/feedback/ideas or anything else you'd like to share, pls. email me: pooja@thenewu.in



Independent Consultant

• Gurgaon, Haryana, India

• Consultant

  • Feb 2019 - Aug 2020

  Applying 16 years of cross functional experience in the financial services industry to help organisations startup and scaleup. Currently working with startups and leading organisations to start new businesses and scaleup existing ones. Also working with volunteer groups helping the Government with Covid related initiatives including promotion of Aarogya Setu App. Working with Non profits to ensure supply of essentials to those worst impacted by the Pandemic. Applying 16 years of cross functional experience in the financial services industry to help organisations startup and scaleup. Currently working with startups and leading organisations to start new businesses and scaleup existing ones. Also working with volunteer groups helping the Government with Covid related initiatives including promotion of Aarogya Setu App. Working with Non profits to ensure supply of essentials to those worst impacted by the Pandemic.



Clix Capital

• India
• Financial Services
• 400 - 500 Employee

• National Sales Manager - Personal Loans & Partnerships

  • Feb 2018 - Jan 2019

  Set up and manage Personal Loans business at Clix Capital. As the 1st member of the Personal Loans team, I held multiple roles simultaneously. As operating Product Head I was responsible for conceptualizing and implementing the Personal Loan product and platform. The program set multiple milestones, including delivering on Product, Policy, Business Plan, Tech Platform and other cross functional requirements in record time. As Channel Head, I hired and set up a Sales team of 30 people across 5 cities over a short span of 3 months. As Partnerships Head, I built key partnerships and grew the business by 10X over 3 months. As the Project Manager I worked with cross functional teams including Risk, Finance, Technology, Analytics, Operations, Marketing, Collections to launch the Personal Loans Program and Platform.



Eko

• India
• Financial Services
• 100 - 200 Employee

• Vice President - Product & Marketing

  • 2012 - Apr 2015

  1. Responsible for product, marketing and communications at Eko, a company that provides instant & secure access to financial products (remittances, savings, payments, cash collection & disbursal) via its patent pending authentication system (OkeKey), proprietary technology platform (SimpliBank) & user interface, the mobile phone and a physical/virtual distribution network.2. Product & project managed the Pre Paid Instrument (wallet) launch for Eko. Conceptualised, & wire-framed a new product/platform (Connect) to enable fastest & fully automated, verified agent/customer sign ups, e-value generation, cash management, transactions, in web/app support & issue-tracker, agent dashboard & promotional tool, referral program & multiple smart features. 3. Managed and developed new products and marketed them across geographies and partners.4. Formulated a multi-medium (Point of Purchase, BTL, ATL, Direct (Voice broadcast, SMS, IVR, Outbound), digital), multi-location marketing plan and tied up with multiple marketing and advertising agencies/vendors to execute. 5. Re-designed & launched the company website, marketing collaterals and all multi-media communication content.

• Vice President- Product

  • 2010 - 2012

  1. Responsible for product management, business planning & analysis.2. Managed existing product lines - savings and P2P remittances.3. Developed & launched multiple new financial products, including Eko’s key product Tatkal money transfer, government disbursal, loan repayment, mobile and DTH payments, insurance, payroll, etc. 4. Launched Eko’s platform services- extended our proprietary technology platform, SimpliBank (a banking & payment platform) and user interface for use by other financial institutions.5. Managed relationships with research org., multilateral agencies, policy makers & influencers.

• Director - Business Development

  • 2007 - 2010

  1. As part of the early team of Eko, I was involved in all key functions – strategy, business development, product, investor management and project implementation team. 2. Formulated Eko’s business & go to market strategy. 3. Created Eko’s business plan - a blue-print for implementation and a tool to attract investors.4. Responsible for forging & managing partnerships with banks, financial & govt. institutions, multi-lateral & research agencies.5. Responsible for investor management - co-created the investor memorandum and business plan used to pitch to potential investors; managed the investor due diligence process at Eko.6. As part of the project implementation team, was instrumental in setting up and managing the customer service/call-centre team.



Ujjivan Small Finance Bank

• Banking
• 700 & Above Employee

• Manager - Product & Credit

  • 2006 - 2007

  1. Responsible for launching and managing Ujjivan’s (the fastest growing urban Micro Finance Institution) products & services in Delhi-NCR. As part of the early team involved in all key functions – strategy, product, credit & risk management, sales, operations, business development. 2. Responsible for hiring, training and managing a multi-functional team. 3. Responsible for product roll-out - market sizing, identification of high potential areas, product fit market research etc. 4. Responsible for sales & operations – setting up branches & driving business. 5. Responsible for credit assessment & management. 6. Responsible for credit plus (non-financial services like health, education, vocational training etc.) management, need assessment, product fit, agency tie up & implementation. 7. Responsible for setting up offices and processes & ensuring regulatory compliances. 8. Responsible for managing relationships with govt. bodies (Urban ministry, DDA, JJ Dept.), policy makers, funding agencies, NGOs etc.



American Express

• United States
• Financial Services
• 700 & Above Employee

• Assistant Manager

  • 2004 - 2007

  1. Conceptualized, developed & implemented a BASEL II compliant Risk Rating Framework across all business units, functions & regions. 2. Provided consultancy to the corporate services business in India to optimise their acquisition strategy. 3. Worked with multi-regional teams in USA, Canada, Latin America, Europe and Asia-Pacific. 4. Cross functional experience in acquisition, underwriting, client management & credit rating. 5. Devised ways to predict credit/business cycles for all major economies of the world. 6. Formulated a net benefit logic used to authorise credit card transactions.



Citi India

• India
• Financial Services
• 700 & Above Employee

• Summer Intern

  • May 2003 - Jun 2003

  1. Predicted revenue & spend behaviour of credit-card customers to identify segments for effective targeting. The project got implemented resulting in increased business & efficiency. 2. Acquired technical skills (SAS) & applied quantitative modelling skills. 1. Predicted revenue & spend behaviour of credit-card customers to identify segments for effective targeting. The project got implemented resulting in increased business & efficiency. 2. Acquired technical skills (SAS) & applied quantitative modelling skills.