Headline

Scaling Fintech Portfolios | IIM Ahmedabad Alumnus

About

I drive growth and risk mitigation in fintech, having scaled Navi’s secured lending portfolio by 3.3x to ₹1000+ crore in 1.5 years while maintaining 99%+ MoM collections efficiency.With 5+ years across fintech (Navi), aviation (Indigo), and energy (Thermax), I specialize in: * Building high-impact credit risk strategies & underwriting frameworks, * Automating workflows to reduce costs (e.g., saved ₹3cr+/year at Navi), * Leading cross-functional teams through RBI audits, board reviews, and complex stakeholder environments. Certified in Lean Six Sigma (KPMG) and Google Project Management, I’m passionate about merging data-driven decision-making with operational excellence. Open to collaborating on fintech innovation and leadership opportunities.

Location

Moga

AI stack

claude code

elevenlabs

gemini

kimi

n8n

OpenRouter

Work experience

Chief of Staff at Tap Invest, May 2025 - Mar 2026 · 11 mos

Manager at Navi, Dec 2021 - Nov 2024 · 3 yrs, Bengaluru, Karnataka, India, Credit Risk Strategy, Secured Lending *Scaled portfolio from ₹300cr to ₹1000cr+ in 18 months by digitizing customer journeys and launching pre-approved home loans. *Presented risk frameworks to RBI auditors and board committees, ensuring 100% compliance and transparency. *Partnered with co-lenders to boost off-book lending by ₹100cr+ through performance reviews and trust-building. Business Finance, NAVI Group *Built the ₹700cr+ Annual Operating Plan (AOP) for CXO-level strategy, aligning cross-functional KPIs with company goals. *Reduced annual operational costs by ₹3cr+ via vendor audits and tech optimizations.

Financial Analyst at IndiGo (InterGlobe Aviation Ltd), Jun 2021 - Dec 2021 · 7 mos, Gurugram, Haryana, India, Budgeting and Forecasting: Developed and managed forecasts for key financial components such as headcount, salaries, and operational costs, providing actionable insights to optimize resource allocation. Financial and Operational Analysis: Monitored financial and operational metrics, performed variance analyses, and identified root causes of deviations to support strategic decision-making. KPI Reporting: Analyzed departmental budgets and expenditures, and prepared comprehensive KPI reports for senior leadership to assess performance and drive improvements. Strategic Support: Collaborated with various departments to align financial planning with organizational goals, ensuring informed decision-making across operational and strategic initiatives. Cost Optimization: Identified cost-saving opportunities by analyzing spending patterns and operational inefficiencies, and recommend strategies to enhance profitability.

Summer Intern (Strategy) at Mahindra Holidays & Resorts India Limited, Apr 2020 - Jun 2020 · 3 mos

Executive Engineer at Thermax Limited, Aug 2018 - May 2019 · 10 mos, Pune/Pimpri-Chinchwad Area, SPMs Designing,Concept testing,Manufacturing, Documenting and Installation of the Special purpose machines and test setups * Material filling Machine Concept Modification,Designing,Concept testing,Manufacturing, Documenting and Installation of the Special purpose machine used to fill powder material in Heat exchanger, with the help of a complex mechanism of Vibrations and Vacuum, including the Financial Analysis of the same *Bubble test Automatic Machine Concept Creation, Designing,Concept testing,Manufacturing, Documenting and Installation of the Special purpose Automatic test setup used to test the filters(a critical component of TAC heat exchangers used to filter Hydrogen) leading to reduction in re-work, testing time and saving man hours for the industry *Guiding(more appropriate word is Helping) Interns with their project

Graduate Trainee engineer at Thermax Limited, Aug 2017 - May 2019 · 1 yr 10 mos, Pune, Maharashtra, India, Thermally Active cooling System *Understanding and Learning the various Technical, Economical and Financial and Manufacturing Aspects of developing a Thermally Active Cooling System running on Metal Hydride System *Critically Analyzing the various Parameters of the TAC Unit and finding out the root cause of the various problems during the product development stage and finding, developing and Applying the solutions for the same * Developing the Plant for the mass manufacturing of the TAC unit and making the plant ready for the various machines procured for the manufacturing of the TAC units *Supporting the Legal department for the process of obtaining Factory license by giving various technical inputs required * Supervising and monitoring the various activities on the shop floor(prototype manufacturing) and Plant (Mass Manufacturing) including Technical as well as managerial roll

Education

Master of Business Administration - MBA, Indian Institute of Management Ahmedabad

Bachelor of Technology (B.Tech.), Mechanical Engineering, Malaviya National Institute of Technology Jaipur

Public links

github: https://github.com/Narinder95