Anuj Aggarwal

Home Credit is an AA rated NBFC, part of the Indian conglomerate TVS Group since Jan 25. Previously owned by PPF Group (USD 40 Bn), Czech Republic, with a loan book of INR 60 Bn (USD 700 Mn) • Leading an 8-member team owning P&L, aligning commercial strategy with financial goals to drive top-line growth and profitability • Weekly/ Monthly / Quarterly reports and presentations to provide insight on performance on business drivers and P&L movements • Deeper business insights through design and develop existing and new reports such as LTV, subproduct and segment wise profitability • Develop and enhanced annual operating plans (AOP), long-range plans, and rolling forecasts models, and oversee performance tracking, variance analysis, and corrective actions • Rollout best practices and standardization across all FP&A activities • Leading management reporting, board presentations, and investor communication • Automated daily and weekly performance tracking and FP&A activities through power BI • Partner with Global team for strategic planning and performance management • Actively Supporting the controllership team in process planning and policies • Delivered cost efficiencies exceeding INR 120 Mn (USD 2 Mn) and enhanced profitability through data-driven pricing and channel strategy

Transaction Solutions International is the Indian arm of Australia-based fintech firm Findi, specializing in ATM Managed services and owns Fin-tech Platform Findi, enabling transaction solutions for the migrant population • Led finance for a Findi fintech platform; partnered with CXOs to ensure strong unit economics, scalability and regulatory-compliant platform • Led pricing and scenario analysis for high-value B2B deals, enabling large contract wins • Structured and negotiated complex B2B contracts (Contract value greater than INR 4 Bn), maximizing profitability and mitigating commercial risk • Managed Financial Planning and Analysis (FP&A), business performance reviews, and management reporting • Collaborated with cross-functional teams through data-driven strategic decision-making

Rivigo was a logistics unicorn start-up funded by Warburg Pincus & SAIF Partners (now Elevation Capital) • Owned P&L for Rivigo inspirational trucking marketplace platform • Led a 20-member finance team overseeing FP&A, pricing, and revenue accounting for trucking operations • Headed monthly management reporting, rolling forecasts, long-range plans and board reporting • Approved complex B2B Product pricing (INR 5 Bn) for logistics contracts • Implemented KPI dashboards to track revenue, pipeline conversion and margins • Optimized working capital through process improvement in billing and collection • Built financial models for long-range planning, and supported fundraising due diligence • Partnered with business and IT teams to scale the platform and improve profitability • Led revenue accounting and automated internal processes and systems for better control • Received stock options and founder awards multiple times in recognition of business impact

Promoted 3 times, from an Assistant Manager to DGM, eventually headed the FP&A function for the Delhi-NCR region, with annual turnover INR 60 Bn • Achieved fast-track career growth with 3 promotions in the minimum duration • Partnered with CXOs to influence business leadership teams towards P&L improvement • Spearheaded performance management through monthly reporting, rolling forecasts, variance analysis, and benchmarked performance • Headed commercial finance & product pricing for both B2B and B2C segments with annual turnover of INR 45 Bn • Transformed pricing models which led to significant increase in customer additions • Developed and rolled-out investment appraisal models for geographical expansion, new technology rollouts • Led strategic projects ranging from the national sales and distribution policy to the development of new products • Delivered INR 500 Mn revenue uplift through data-driven analytics and plugged revenue leakages • Delivered cumulative cost savings exceeding INR 1,500 Mn and led the region to win 4 consecutive best region awards among 15 telecom regions, resulting in Opex de-growth • Optimized inventory holding from 90 days (INR 4 Bn) to 35 days (INR 1.5 Bn) • Won 15 awards for significant cost optimization, and driving business growth

Worked as Head- Business Finance for the Wireline Business • Partnered with CEO and cross-functional teams to execute organizational strategy • Managed strategic projects ranging from rolling out of new Sales distribution policy, new product development, and implementation of price hikes • Rolled out models for pricing, new investments, and key strategic initiatives • Guide MIS team in developing the new reports required by the business • Led product pricing decisions worth INR 45 Bn for both B2C and B2B products performed post-launch analysis and suggested actions • Rolled out investment appraisal and product profitability models for wireline & enterprise segment to regions along with guidelines and delegation • Analytics on customer behavior, billing, sensitivity modeling, and trend analysis led to increasing in the revenue by more than INR 500 Mn

Worked as Manager and lead Business Planning and Analysis function for Homes and Offices Business with an annual turnover of INR 45 Bn. Key Responsibilities and Achievements: • Engaged and led planning & execution of Annual Operating Plan (AOP) & Long-term Plans through working with business partners & ensured alignment with strategic goals & objectives • Pin-pointed potential areas of risk & opportunities and provided recommendations to management to drive business results and achieve financial goals. • Led rolling monthly flash and forecast for financial & non-financial parameters, explained variance and suggested corrective actions • Developed reporting framework for monitoring key KPIs that impact business

• Forecasted and performed variance analysis of each revenue line item and identification and closure of revenue enhancement initiatives • Analyzed launch of wireline business in new geographies and launched products such as FTTH through Identification of potential areas & coordination for the roll-out of projects

TTSL was a telecom organization with a revenue of INR 80 Bn (USD 1 Bn) • Prepared financial performance reporting for senior leadership • Conducted pricing and profitability analysis across multiple product lines

Finance management, Corporate Finance, business strategy,management accounting

Software Engineering, Computer Programming