Anup Agrawal profile photo 1 on Tal

Anup Agrawal

Co-Founder at Kiwi driving credit card adoption

Bengaluru
Hiring

Lead Product Designer

Kiwi

Kiwi logo

Join Kiwi as a Lead Product Designer to shape intuitive consumer-facing digital experiences and mentor a growing design team.

HSR Layout, Bengaluru

₹41–76 LPA

CTC

6–9 years

Exp

About Anup

Kiwi
Dec 20223 yrs 9 mosPresent

Greater Bengaluru Area

We are working to enable 100Mn users to get Credit Card in India.
LazyPay
Apr 20202 yrs 9 mosDec 2022

Mumbai, Maharashtra, India

Own the P&L and growth numbers for overall LazyPay Business. I oversee key functions directly or matrix (Strategy, Product, Partnership, Marketing, Ops, Analytics, Care etc.) and have the responsibility to ensure smooth Business operation.
InCred Financial Services
Jul 201910 mosApr 2020

Mumbai Metropolitan Region

Owner of On-balance sheet Lending Business driven through Partnerships. I used to also drive data based decision making for the consumer business for Incred (Risk primarily)
Jio Financial Services
Jan 20163 yrs 7 mosJul 2019

Mumbai Area, India

JFS includes JioMoney wallet & Jio Payments Bank. JioMoney app is one of the fastest growing digital wallet players in India (> 10 Mio app downloads) with the vision to create a ubiquitous, secure and simple payment ecosystem for customer and merchants. Within JFS we are also building Digital Payment Bank (restricted retail bank – special classification made by Reserve Bank of India) which would allow customer to on-board and transact digitally. Leading a team of product managers to deliver the GTM strategy along with execution & core proposition for Digital Payments - Jio Financial Services. Also, responsible for building and driving business of key cross-sell products (Financial Investments & Digital Gold). During this stint, delivered on key projects 1) Building digital On-boarding experience for payments bank 2) Payments & Inter-bank transfers through Payments Bank account 3) Instant Reward platform for coupons and loyalty points.
Standard Chartered Bank
Nov 20132 yrs 2 mosDec 2015

Mumbai Metropolitan Region

Responsible for managing Lending against Capital Market Securities for Private Banking and Retail Client. Responsible for end to end product management which includes ensuring smooth product delivery by coordinating with various stakeholders (Credit, Technology, Operations, Sales, Finance, Legal Compliance etc.), achieving budgeted numbers, managing sales incentive plan, internal product marketing, client communications.
Standard Chartered Bank
Sep 20112 yrs 3 mosNov 2013

Mumbai Metropolitan Region

Risk management - Credit Cards: Managing multi-channel (Online, Direct Sales, Co-Origination, Cross Sell) Credit Cards acquisition strategy. Played a key role in growing the India credit card portfolio by 40% in 2 years without compromising on risk. Worked with cross-functional teams to deliver on profitability, enhancing risk management controls & systems. Credit lead in Barclays Credit Card buyout by Stanc. Responsible for turning around the Barclays credit cards portfolio; reduced loss rates by more than 70% by blocking & Line decrease for 40% risky portfolio but simultaneously did balance build program on the rest.

Education

PGDBM, Finance & Marketing

Management Development Institute

20072 yrs2009
Vellore Institute of Technology

B Tech

Vellore Institute of Technology

20024 yrs2006

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Anup Agrawal on Tal

Headline

Co-Founder at Kiwi driving credit card adoption

About

I am a co-founder at Kiwi, a fintech start-up that is working to enable 100 million users to get credit cards in India. I have a passion for creating innovative and inclusive solutions that empower consumers and businesses. As a co-founder, I leverage my expertise in data driven strategy, product management to drive the growth and expansion of Kiwi. Prior to Kiwi, I was the business head of LazyPay, a leading buy now pay later platform in India, where I owned the P&L and growth numbers for the overall business. I also have experience in unsecured and secured lending, risk management, and pricing strategy from my previous roles at InCred Financial Services and other organizations. I am a PGDBM in finance and marketing from Management Development Institute and a CFA Level II candidate.

Location

Bengaluru

Work experience

Co-Founder at Kiwi, Dec 2022 - Present · 3 yrs 9 mos, Greater Bengaluru Area, We are working to enable 100Mn users to get Credit Card in India.

Business Head LazyPay at LazyPay, Apr 2020 - Dec 2022 · 2 yrs 9 mos, Mumbai, Maharashtra, India, Own the P&L and growth numbers for overall LazyPay Business. I oversee key functions directly or matrix (Strategy, Product, Partnership, Marketing, Ops, Analytics, Care etc.) and have the responsibility to ensure smooth Business operation.

Head of Partnerships & Risk Strategy at InCred Financial Services, Jul 2019 - Apr 2020 · 10 mos, Mumbai Metropolitan Region, Owner of On-balance sheet Lending Business driven through Partnerships. I used to also drive data based decision making for the consumer business for Incred (Risk primarily)

Product – Jio Financial Services at Jio Financial Services, Jan 2016 - Jul 2019 · 3 yrs 7 mos, Mumbai Area, India, JFS includes JioMoney wallet & Jio Payments Bank. JioMoney app is one of the fastest growing digital wallet players in India (> 10 Mio app downloads) with the vision to create a ubiquitous, secure and simple payment ecosystem for customer and merchants. Within JFS we are also building Digital Payment Bank (restricted retail bank – special classification made by Reserve Bank of India) which would allow customer to on-board and transact digitally. Leading a team of product managers to deliver the GTM strategy along with execution & core proposition for Digital Payments - Jio Financial Services. Also, responsible for building and driving business of key cross-sell products (Financial Investments & Digital Gold). During this stint, delivered on key projects 1) Building digital On-boarding experience for payments bank 2) Payments & Inter-bank transfers through Payments Bank account 3) Instant Reward platform for coupons and loyalty points.

Lead Product Manager - Lending against Securities at Standard Chartered Bank, Nov 2013 - Dec 2015 · 2 yrs 2 mos, Mumbai Metropolitan Region, Responsible for managing Lending against Capital Market Securities for Private Banking and Retail Client. Responsible for end to end product management which includes ensuring smooth product delivery by coordinating with various stakeholders (Credit, Technology, Operations, Sales, Finance, Legal Compliance etc.), achieving budgeted numbers, managing sales incentive plan, internal product marketing, client communications.

Credit Strategy & Analytics - Credit Cards at Standard Chartered Bank, Sep 2011 - Nov 2013 · 2 yrs 3 mos, Mumbai Metropolitan Region, Risk management - Credit Cards: Managing multi-channel (Online, Direct Sales, Co-Origination, Cross Sell) Credit Cards acquisition strategy. Played a key role in growing the India credit card portfolio by 40% in 2 years without compromising on risk. Worked with cross-functional teams to deliver on profitability, enhancing risk management controls & systems. Credit lead in Barclays Credit Card buyout by Stanc. Responsible for turning around the Barclays credit cards portfolio; reduced loss rates by more than 70% by blocking & Line decrease for 40% risky portfolio but simultaneously did balance build program on the rest.

Education

PGDBM, Finance & Marketing, Management Development Institute

B Tech, Vellore Institute of Technology