Samrath S.

Fintech has paved the way for enhanced financial inclusion, making it accessible to a wider audience. Fintech lending encompasses various facets, such as Personal Loans, Buy Now, Pay Later (BNPL), Business Loans, and more. In the fiscal year 2023, the total lending facilitated by Fintech companies reached an impressive 92,000 Crore, marking a remarkable 21% year-on-year growth, with 7.1 Crore loans disbursed. Notably, 40% of these loans were disbursed in Tier 3 cities, and owing to their digital nature, 80% of the borrowers were under the age of 40. Among these offerings, Personal Loans accounted for the lion's share, surpassing 65% of the total, followed by BNPL at 15%. The advent of digital processes has made it feasible to offer loans even as low as 5,000, democratizing access to financial resources. During my tenure, I've been leading efforts for extending Personal Loans services to our customers, effectively competing in this vast and competitive market. As a platform, we've strategically aligned ourselves to aggregate demand and have established partnerships with multiple lenders to handle underwriting and capital supply. Our success lies in crafting a journey that suggests the right lender for the customer and transitions seamlessly between our system and the lenders' systems. This has resulted in industry leading funnels (from application to disbursement) and a good NPS. I have also worked on creating the ecosystem of lending including Credit Report for user insights and Secured Loans for PL ineligible customers. Currently, leading efforts to create AI based omni channel financial services assistants.

India has over 60 million MSMEs, and over 50% are underbanked. We are working towards a vision to create financial inclusion, by introducing a large section of these MSMEs to formal credit. With fast TAT and unsecured credit facilities, we are trying to solve the capital problem for these entrepreneurs.

In a country where over 65% of healthcare spends are out of pocket, liquidity becomes critical. AffordPlan is a fintech platform which helps make healthcare more affordable to people. Through our expanding network of hospital partners, we boost affordability by: (1) helping people plan their finances for upcoming healthcare spends by saving (2) enabling expenses to be paid in easy EMI options. • Conducted secondary and primary research for identifying problems in healthcare financing • Designed a go-to-market strategy and launched the business for healthcare loans o Defined product structure for POS loans basis customer, hospital research and competitor analysis o Strategic alliances with NBFCs, including commercials, processes, underwriting, transaction routing o Set up of credit policy for screening of applications, including integration with Credit Bureau o Designed UX and data flow for app / website for loan process o Hiring and set up of back office operations, managing Loan ops team • Conceptualized and launched a healthcare payments platform (wallet, savings, credit and micro-insurance) o Analyzed problem scenarios, product-market fit and designed user journey and product structure o Explored regulatory alternatives, partnered with Yes Bank and SBM Bank for PPI wallet / card o Managed API integrations with Yes Bank, Happay, Credit Fair, Equifax, Admitad, Bharti Axa o Structured the benefits in form of rewards for customers; partnerships with wellness/ FMCG brands o Devised the GTM strategy for the product in a B2B2C model, thru a network of healthcare units o Successful launch with acceptance from healthcare units and consumers (over 60% conversion)

• Managed an asset portfolio of over INR 9 Bn comprising of companies from sectors such as Auto Ancillaries, Electrical, Consumer Durables, Food & Agri, Real Estate • Y-o-y business growth of 30-35% • Financing of a 5 star Hotel project with total debt of INR 3 Bn • FX derivative deals including Call Spread options for hedging FX long term loans and Seagull options for export receivables • Financing of a greenfield alloy wheel project with total capex of INR 2200 Mil • Financing an overseas subsidiary (Spain based) EUR 9 Mil of a Auto component manufacturer by way of a Standby Letter of Credit • Evaluation of a Construction project at Swaziland (Africa) for further funding requirement for an EPC company

> To acquire SMEs for generating Trade & Treasury business for a cluster of branches > Offering product knowledge of Trade finance to customers for business growth > Ensuring lead generation through branch and direct sales teams and conversion Highlights: > Joint 3rd position pan India for “Kings of Trade”, the new acquisition contest for Feb-Mar, 2009 > Supported the process changes, related to trade finance, post HDFC-CBOP merger in a cluster of branches through trainings and customer interaction

Product management for Hindustan (the Hindi daily of HT Media group). The focus was on daily supplements of the newspaper. Responsibilities included: • Consumer research and quantitative analysis to determine the supplement reading behavior • Identify gaps and make recommendations for improving the readership and supplement recall • Coordinate with the editorial team to publish the new mix of supplements