Headline

CA (AIR-44) | Business Finance @ Meesho · Fintech Lending | Ex-PwC M&A & Deals | P&L Ownership · Unit Economics · 0-to-1 Builds

About

CA (AIR-44) with an uncommon mix of deal advisory and operating finance experience. At Meesho, I own the end-to-end P&L for three lending products — Merchant Loans, BNPL, and Personal Loans. I built BNPL and Personal Loans from scratch: P&L frameworks, forecasting models, unit economics baselines, lender structures. In 10 months: grew Merchant Loans AUM from ₹85 Cr to ₹150 Cr, improved margins from near-neutral to ~3%, and cut BNPL CAC by 40% (₹74 → ₹44). Reported to VP with no direct manager for the initial months — sole finance accountability across a 50+ member cross-functional team. Before Meesho, I spent 3 years at PwC's Deals practice — advising on transactions worth ₹1,000 Cr+. Structured acquisitions for listed companies, modelled ₹500 Cr+ cash repatriation strategies, led due diligence, and worked directly with CXOs and investment bankers across deal lifecycles. What I bring: the ability to think like an investor and execute like an operator. Comfortable building from scratch, owning outcomes, and working close to the top. 📍 Bengaluru | Always open to interesting conversations about finance, strategy, and building businesses.

Location

Bengaluru

AI stack

antigravity

claude code

claude

codex

gemini

Work experience

Assistant Manager – Business Finance & Strategy | Financial Services at Meesho, Apr 2025 - Present · 1 yr 6 mos, Bengaluru, • Built BNPL and Personal Loans businesses from 0 to 1 — established P&L frameworks, forecasting models, unit economics baselines, and lender management structures from the ground up; reported directly to VP with no direct manager. • Own end-to-end P&L for Merchant Loans, BNPL, and Personal Loans — grew Merchant Loans AUM from ₹85 Cr to ₹150 Cr (~76%) and delivered 10x BNPL disbursal growth in 10 months. • Improved Merchant Loans margin from near-neutral to ~3% by decomposing P&L into yield, risk cost, funding cost, and opex drivers — enabling targeted interventions across each lever. • Designed LTV-based CAC model for BNPL — reduced blended CAC by 40% (₹74 → ₹44) through structured experiments on acquisition channels and onboarding optimisation. • Lead annual budgeting, rolling forecasts, and actuals-vs-plan bridge analyses for all three products — present to VP and senior leadership in a high-growth, fast-changing environment. • Manage lender relationships across multiple NBFCs and banks — align on disbursement targets, pricing, and portfolio health metrics.

Deals & Transaction Advisory | PwC (Price Waterhouse Coopers) at PwC India, Apr 2022 - Apr 2025 · 3 yrs 1 mo, Bengaluru, • Advised on transactions worth ₹1,000 Cr+ across deal structuring, financial modelling, due diligence, and post-acquisition restructuring. • Structured a ₹300 Cr acquisition for a listed automobile company (₹3,600 Cr+ market cap) — optimised deal structure and negotiated 100% tax indemnity protection. • Led post-acquisition restructuring delivering ₹250 Cr value consolidation — executed mergers, slump sales, and voluntary liquidation; worked directly with Associate Directors and CXOs. • Advised an Infrastructure & Logistics group on ₹500 Cr+ cash repatriation — modelled tax-efficient upstreaming strategies (dividend, buyback, capital reduction) to maximise investor returns. • Led due diligence for transactions worth ₹350 Cr+, identifying risk exposures and advising acquirers on mitigants. • Engaged CXOs, legal counsel, and investment bankers across full deal lifecycles; assisted in structuring AIFs and REITs.

Education

Ca intermediate, The Institute of Chartered Accountants of India

CA foundation, The Institute of Chartered Accountants of India