Headline

GTM Head/Cross Border Trade/Fintech Sales Leader/Enterprise Sales/ Digital Lending Orchestration/Strategic Partnerships/ Key Accounts Management/PineLabs/ Ex-JusPay/ExRazorPay/Ex-PayPal.

About

With over a decade of experience in fintech, I currently serve as GTM Head at Pine Labs, focusing on building a comprehensive credit and offer engine. My work entails launching innovative B2B and B2C lending solutions, enhancing customer credit flow, and scaling affordability solutions by collaborating with lenders and merchants across various industries, including Insurance and EdTech. Throughout my career at JUSPAY, Razorpay, PayPal, and Paytm, I have contributed to the successful development and scaling of digital lending products, strategic partnerships, and go-to-market initiatives. Proficient in digital lending, presentations, and customer success management, I am dedicated to driving impactful solutions that align customer needs with organizational goals, fostering growth and innovation in the fintech sector.

Location

Bengaluru

Work experience

GTM Head-Building Credit and Offer Engine at Pine Labs, Jan 2026 - Present · 9 mos, On-site, • Launched innovative B2B & B2C lending solutions, establishing a comprehensive affordability and checkout financing stack. • Designed a seamless credit flow, enhancing customer experience and boosting conversion rates significantly. • Scaled the affordability business by onboarding 10+ lenders and 30+ merchants across various sectors, including Insurance and EdTech. • Developed a robust Go-To-Market strategy for the lending vertical, achieving growth with zero marketing spend. -Working on the Non Consumer Portfolio and getting a 100cr worth of monthly business on offers ,GrowthX and DCC

GTM+Strategic Initiatives-Building HyperCredit at JUSPAY, Mar 2024 - Oct 2025 · 1 yr 8 mos, Bengaluru, Karnataka, India, * Launched both B2B & B2C Lending Products for JUSPAY & took both the products from 0 to 1 * Mandated with increasing upsell revenue for JUSPAY, along with identifying the right merchants for the same and assisting in negotiations * Developed business model for Checkout Financing Solution (Both B2B & B2C) & SaaS service stack for lenders * Scaled the affordability Business while onboarding 10+ Lenders & 30+ Merchants majorly in insurance, Edutech , University and TravelTech Vertical * Designed the GTM Strategy for the Lending Business vertical, along with setting up the processes * Developed embedded financing stack for our Merchants to provide Personal Loan Credit Line for customers utilizing their real estate generating more revenue * Built the Targeting & Positioning strategy & scaled the business with 0 Marketing Spends * Ideated the pricing strategy for checkout financing & BNPL products, doubling the take rate * Built the demand & supply side partnerships & negotiated commercials with partners * Chalked out the business plan, product & growth strategy of the lending vertical as the strategy head * Creating the in-house Qualification Engine for reducing lead time of agents/ customers by 25% * Creating templatized approach & leading legal negotiations with both Merchants & Lenders * Scoped out potential strategic investment/ acquisition targets

Partnerships Manager at Razorpay, Apr 2021 - Feb 2024 · 2 yrs 11 mos, Bangalore Urban, Karnataka, India, -Building SMEPartnership channel to drive the GMV/Sales/MTUs of various fintech products at Razorpay Creating a cross sell and up sell channel/strategy for Razorpay products suite. -Driving Adoption and scale of Razorpay Products like RazorpayX, Razorpay Capital, and Razorpay 2.0. -Creating Partnerships as a channel by tying up with Platform providers, Aggregators, ERPs, SAAS and PAAS companies -Driving Strong relationships/partnerships with SME Playesto to create a channel for sales -Ideating and executing campaigns with Partners to drive traction and have a check on the retention and churn numbers. -Create new opportunities or avenues of strong and strategic level partnership at an organisation level

Business Development Manager (CBT+Domestic Business) at PayPal, Apr 2019 - Mar 2021 · 2 yrs, Bengaluru, Karnataka, India, -Interaction with prospective SMB & MID Market corporate clients to assess their online payments requirements. - Maintaining a strong pipeline of merchants which can help in achieving the target - Maintaining a healthy relationship with the existing portfolio merchants and responsible to make them grow. - Involves in various thoughtful meetings for creating customize & lucrative offers for users - Maintaining a complete data check on sales force - Responsible for increasing the user base of PayPal in Indian market -Part of marketing campaigns and new strategies of PayPal for mid-market in India

Key Account Manager at Paytm, Nov 2017 - Mar 2019 · 1 yr 5 mos, Bengaluru, Karnataka, India, handling products like foodwallet gratification corporate salary account corporate enterprise solution-dingtalk Hotel tie-ups cloud

Education

PGDM, Marketing, Jain (Deemed-to-be University)

BBM, Accounting and Finance, Garden City University