---
title: "CA Aditya Vijay - Assistant Manager – Business Finance & Strategy | Financial Services in Bengaluru | Tal"
description: "Meet CA Aditya Vijay, CA (AIR-44) | Business Finance @ Meesho · Fintech Lending | Ex-PwC M&A & Deals | P&L Ownership · Unit Economics · 0-to-1 Builds based in Bengaluru. AI stack includes antigravity, claude code, and claude."
image: "https://tal.club/meet/aditya-viay/share-image"
---

# CA Aditya Vijay on Tal

## 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

[View the original profile](https://tal.club/meet/aditya-viay)

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