Headline

FinTech & Commerce | Product & StratOps Leader | Ex-Gojek | Ex- ABG | IIM Ahmedabad

About

Aravindan is a Leader in the FinTech & Commerce space, with more than a decade of experience in launching and scaling Products & Businesses across India & SE Asia with Large Conglomerate, Decacorn & Early Stage startups! Aravindan currently heads FinTech Strategy, Products & Partnerships for Retailers and Farmers at Ninjacart. He started his career as part of the Leadership program of a 150+ year old Indian Conglomerate (Aditya Birla Group), where he lead Sales strategy (among other things) to launch and scale a new business to INR 230+ Cr. (USD 30 Million) revenue within 2 years. With diverse stints of Product Strategy, Corporate BD and Business head across Decacorns (Gojek), Early stage startup (CashFlo) & Soonicorn (BukuWarung), he has a successful track record of scaling products & businesses. Aravindan loves new challenges and he is always on the lookout for opportunities to build new products and scale organizations. Functional expertise includes - Strategy & Operations, Product Management, Partnerhsips & Strategic Alliances, New Business Development, Program Management, Financial Valuation, FP&A, Supply Chain Finance, Supply Chain Operations. Industry experience includes - FinTech, ConsumerTech, FoodTech, FMCG, Retail, Fashion, Metals & Mining.

Location

Bengaluru

Work experience

Senior Director - FinTech Product & Strategy at Ninjacart, Apr 2025 - Present · 1 yr 5 mos

Director - Fintech Product & Strategy at Ninjacart, Apr 2025 - Jun 2025 · 3 mos, Greater Bengaluru Area, • Leadership team @ Ninjacart - Head Lending & Insurance Product, Strategy and Partnerships for MSME Retailers and Farmers • Built 1st fully Digital Lending Product @ Ninjacart including KYC, Compliance, underwriting, fraud engine, real-time disbursals and repayment reconciliation leading to Unsecured loan journey in <10 min. • Scaled Ninja Kirana product to onboard 100,000+ retailers and handle 30,000+ transactions/month • Disbursed ~500+ Crores @ ~99.5% Lifetime liquidation ratio – one of the best in the industry for unsecured short term loans • Launched multiple products like Daily SIP(RD/Gold) based Credit, Monthly Subscription, Farm insurance etc.. • Lead partnerships across 7 NBFCs, 1 Mid-tier Bank (1 Lakh+ Cr. AUM), Insurance Brokers and multiple FinTechs across the lending journey

Antler India Resident at Antler, Jan 2023 - Feb 2023 · 2 mos

Head of Buy Now Pay Later (BNPL) at BukuWarung, Sep 2021 - Jul 2022 · 11 mos, Bengaluru, Karnataka, India, Own P&L, Product Roadmap and Growth of the business - Empowering 60M+ Indonesia's MSMEs through innovative credit products • Led a team of 50+ stakeholders across 4 countries in 3 months for the 0 to 1 launch of Buy Now Pay Later (BNPL) product • As P&L head, created business strategy and scaled the business to monthly disbursal rate of ~USD 2 Million in 6 months • Co-owned Product roadmap including integrations with Banks, LMS & Alt. Data providers

International Product Strategy at Gojek, Apr 2020 - Aug 2021 · 1 yr 5 mos, Owned Product Strategy for Vietnam, Singapore and Thailand businesses of Gojek across FinTech, Mobility and Food Delivery products • Owned Product strategy & roadmap across 12 Product/Platform groups of international business (SG, VN, TH) for FinTech, Mobility and Food Delivery products – Stakeholders present across 6 countries • 5x’d product/feature delivery velocity with 120+ feature rollouts in 12 months - Marquee launches include Digital payment (CC/DC/E-Wallets) across ALL markets, Merchant partner app and GoCar in VN & TH, GoCar (4W) in VN, GoTaxi in SG • Designed and institutionalized end-to-end process for Country GMs, HoPs, PMs, business stakeholders - including BRD templates, request intake channels, prioritization frameworks, stakeholder cadences, governance models, GTM processes etc..

Associate Director - Supply Chain Finance at CashFlo, Mar 2019 - Apr 2020 · 1 yr 2 mos, Mumbai, Maharashtra, India, Founding Team Member - Raised Series A funding from Elevation Capital & General Catalyst • Head of Business Development in South India – Built & maintained relationships with CFOs, COOs and VPs across 20+ clients with annual turnover > INR 2000 Cr. (USD 300M+) • Closed MoU within first 2 months with one of Top 3 Conglomerates in India • Lead SCF product development with RE partners, product strategy, hiring & setting up sales/ops team, creating sales playbook etc…

Education

Post Graduate Diploma in Management, Business Administration and Management, General, Indian Institute of Management Ahmedabad

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