Senior Executive (Lending) at Payearby Technology Pvt. Ltd (2026-01 – 2026-02)
- Identifying, negotiating, and on-boarding Banks and Non-Banking Financial Companies (NBFCs) to offer gold loans through the PayNearby platform.
- Equipping, training, and supporting local retail partners (Digital Pradhans) to understand gold loan products, evaluate gold (in some models), and assist customers with applications.
- Managing the lifecycle of the partnership-from documentation and compliance to technical integration with lender APls, ensuring a low turnaround time (TAT)
- Driving gold loan disbursement volumes through the retail network to meet monthly and quarterly revenue targets.
- Cross-Functional Coordination: Collaborating with internal teams (Legal, Risk, Product, Tech) and external partners (Banks/NBFCs) to ensure smooth operations
- Leads commercial discussions and rate negotiations with lending partners to ensure competitive pricing for consumers.
- Focuses on the user journey, ensuring the digital loan application flow is seamless and compliant with RBI/lender guidelines.
- Focuses on expanding the network of retailers offering gold loans and driving adoption, ensuring high-value, low-risk loans.
- Focuses on managing the relationship with lenders, driving business development, and improving the product's market share.
- Oversees the digital journey of the gold loan, ensuring the app/platform interface is user-friendly for retailers.
Zonal Head Coordinator at Sahibandhu Fintech Services Pvt. Ltd (Manipal Group) (2022-11 – 2025-12)
- Tech & Operations work support to Field team and their Agents.
- Research, diagnose, troubleshoot and identify solutions to field team issues.
- Follow standard procedures for proper escalation of unresolved issues to the appropriate internal teams.
- Provide prompt and accurate feedback to field team and and HO team.
- Prepare accurate and timely reports.
- Document knowledge in the form of knowledge base tech notes and articles.
- Provide support to field team for any technical error, network problems and software installations, etc
- Publish, Daily, Weekly, Monthly & Quarterly reports for different Business Segments, Business stakeholders for effective decision making.
- Analysis of FX Business & Provide Insights with respect to leading and lagging indicators within business to help for effective decision making.
- Liaising with Financial Controlling Team for monthly reporting
- MIS Requests for Business Heads/ Vertical Heads for Reviews- FX & Derivatives
- Mailers for Business Stakeholders for education purpose or pointing out the significant.
- Selling of banking products to clients. Products might include either Gold Loans.
- Maintain coordinate with Field team and Agent time to time.
Assistant Manager at FINO PAYMENT BANK LTD. (2016-02 – 2022-11)
- Tech Support to Block Coordinator and their Agents.
- Research, diagnose, troubleshoot and identify solutions to resolve customer issues
- Follow standard procedures for proper escalation of unresolved issues to the appropriate internal teams
- Provide prompt and accurate feedback to BC and their Agents.
- Ensure proper recording and closure of all issues
- Prepare accurate and timely reports
- Document knowledge in the form of knowledge base tech notes and articles
- Give the training to BC's and their Agents.
- Provide Agent support for any technical error, network problems and software installations, etc
- Publish, Daily, Weekly, Monthly & Quarterly reports for different Business Segments, Business stakeholders for effective decision making
- Analysis of FX Business & Provide Insights with respect to leading and lagging indicators within business to help for effective decision making
- Liaising with Financial Controlling Team for monthly reporting
- MIS Requests for Business Heads/ Vertical Heads for Reviews- FX & Derivatives
- Mailers for Business Stakeholders for education purpose or pointing out the significant.
- Selling of banking products to clients. Products might include either Gold Loans, KCC Loan & etc.
- Maintain coordinate with BC and Agent time to time.
Back Office Executive/Cashier at Pancard Clubes Ltd (2012-10 – 2016-02)
Timeshare Product and Holiday option selling - To be responsible for the smooth cash, cheque transaction like receiving payments.
- To be responsible for the smooth cash, cheque transaction like receiving payments. Cash cheque transfers to banks safty, of cash, checking of fake/damaged currency, issuing of proper receipts against cash and effective day to day routine work.
- To ensure proper maintenance & record of all cash and accuracy of cash book ledgers and subsidiary ledger.
- To collect and maintain all cash related documents necessary for posting to the journals, ledgers and audits.
- To ensure all proper entries in cash registers and tallied with actual cash in hand.
- Identify additional business development scope within the existing Marketing Persons as well as new recruitments of Marketing Persons.
- Ensure proper reporting to concerned departments through various branch reports at set frequency. Monitor cheque out stations to ensure that they have adequate cash available and that they are staffed appropriately.
- To behave in a friendly way and have good manners while communicating with customers.
- Calculate total payments received during a time period, and reconcile this.
Jr. Officer at ADFC Pvt. Ltd. associate of HDFC BANK (2011-12 – 2012-09)
A direct Sales Organization for distribution of financial product & services with a network of branches across the country.
- Accepted the loan documents file and checking it.
- Handling the business loan process such as checking the file, finding the error in file, arranged the document in sequence, check the property document and handover the file to opretion manager.
- Updating of insurance and stock statement.
- Maintain coordination with sales team and operation manager.
- Making the report such as MIS, sales report, disbursement report, target achievement report, etc.
