---
title: "Soumya Ranjan Panda - Director - Pre Sales in Bengaluru | Tal"
description: "Meet Soumya Ranjan Panda, Director Presales at Perfios | Fintech SaaS Solutioning & Pre-Sales | MSME Credit & Trade Finance | ICICI Bank · Axis Bank alumnus based in Bengaluru. AI stack includes claude and gemini."
image: "https://tal.club/meet/soumya-ranjan-panda-2/share-image"
---

# Soumya Ranjan Panda on Tal

## Headline

Director Presales at Perfios \| Fintech SaaS Solutioning & Pre\-Sales \| MSME Credit & Trade Finance \| ICICI Bank · Axis Bank alumnus

## About

Most people in fintech have either sat inside a bank or built products for one; I've done both\. I spent 4\+ years at ICICI Bank and Axis Bank as a Solution Manager and credit professional, managing ₹100–200 Cr MSME and mid\-market portfolios, writing CAMs, structuring trade finance deals, and had \#1 growth in Pune region for my team at ICICI for FY 2021–22\. I know what a banker actually needs \- not what they say in an RFP, but what keeps their Business, Credit, Compliance and Operations Head up at night\. Since 2023, I've been at Perfios as Associate Director \- Strategic Solutioning, independently onboarding 6–7 new business, credit, compliance or operations teams every year across banks and NBFCs, generating ₹15–18 L MRR independently without Account Management support\. I've demoed and solutioned across products like AI Document Classifier, Fraud Analytics products, KScan \(Entity Due Diligence platform\), Bank Statement Analyser, CAM and more \- and when a product doesn't exist yet, I build a client\-ready prototype using AI to keep the conversation alive\. I've also co\-ideated products that got built within my organization\. If you're building something at the intersection of credit, compliance, document intelligence, or MSME lending \- or you need someone who can walk into a room full of skeptical bankers and walk out with a POC signed \- let's talk\.

## Location

Bengaluru

## AI stack

claude

gemini

## Work experience

Director \- Pre Sales at Perfios, Jun 2026 \- Present · 6 mos

Associate Director at Perfios, Jun 2023 \- Jun 2026 · 3 yrs 1 mo, 1\. Independently onboard 6–7 new business teams annually across 5–6 client organizations — without Account Manager support — generating ₹15–17L MRR; clients include banking verticals such as trade finance, mortgage, instant lending, and operations 2\. Engage VP\- and Head\-level stakeholders across 20–50 client organizations \(banks, NBFCs, fintechs\) to map their quarterly and annual KRAs to Perfios solutions, driving adoption across credit, digital banking, and operations functions 3\. Redesign client\-proposed product journeys by mapping them to available Perfios APIs and solutions, crafting optimized end\-to\-end flows that reduce friction and accelerate go\-live timelines 4\. Champion and demo a full suite of Perfios products — DIB \(Document Intelligence Banking\), KScan, Bank Statement Analyser, Financial Statement Analyser, CAM, and underwriting tools — tailoring demonstrations to audience context and business use case 6\. Ideated the Feet on Street \(FOS\) App basis emerging field operations demand by senior bankers; concept was adopted by the product team and delivered as a live product 7\. Currently driving adoption of AI based products like Data Intelligence Bridge and Credit Assessment Memo \(CAM\) for AI based underwriting use cases across credit and operations teams\. 8\. Actively training internal teams on emerging use cases within BFSI market 9\. Leverage AI tools to build client\-ready demos and solution prototypes in the absence of live product, compressing pre\-sales cycles and enabling pitches ahead of product availability

Assistant Vice President at Axis Bank, Jul 2022 \- Jun 2023 · 1 yr, Pune District, Maharashtra, India, 1\. Managed a portfolio of mid\-market corporates with turnover in the ₹200–1,000 Cr range, engaging directly with seasoned CFOs and finance leadership on complex credit structures 2\. Deepened relationships across legacy Mid corporate accounts, cross\-selling sophisticated trade finance products including Pre\-Shipment Foreign Currency Credit \(PCFC\) and Export Packing Credit \(EPC\) 3\. Gained significant exposure to export\-oriented businesses across varied sectors, building contextual understanding of foreign currency risk, trade cycles, and working capital dynamics at scale 4\. Transitioned from MSME hunting to mid\-market relationship stewardship \- broadening credit lens from sub\-₹200 Cr borrowers to structured, compliance\-mature corporates

Senior Solution Manager at ICICI Bank, Apr 2021 \- Jul 2022 · 1 yr 4 mos, Pune Division, 1\. Top Solution Manager in team/region for FY 2021–22, consistently exceeding a ₹10 Cr/month disbursement target across a competitive MSME sales environment 2\. Managed a portfolio of \~20 MSME clients at any given time with aggregate loans under management of ₹100–200 Cr, spanning the full product suite: INR and foreign currency working capital, term loans, letters of credit, and bank guarantees 3\. Independently drove end\-to\-end credit lifecycle \- client acquisition, relationship development, Credit Assessment Memo \(CAM\) writing, underwriting support, compliance, and annual renewals 4\. Cultivated a high\-velocity prospecting habit: met 3\-4 new MSME founders or CEOs every week, building a network for my organization that fuelled a consistent deal pipeline 5\. Navigated the complexity of working with less\-mature finance teams at sub\-₹200 Cr MSMEs \- translating banking products into business outcomes and building trust with owner\-promoters who had limited banking sophistication

Manager \(Wholesale Banking Group\) at ICICI Bank, May 2020 \- Apr 2021 · 1 yr, Pune, Maharashtra, India

Management Trainee \(Wholesale Banking Group\) at ICICI Bank, Apr 2019 \- Apr 2020 · 1 yr 1 mo, Pune Area, India

Consultant \- Bid Manager at Capgemini, Jun 2018 \- Apr 2019 · 11 mos, Bengaluru, Karnataka, India

Member \- Student Placement Committee at Xavier Institute of Management, Bhubaneswar, Nov 2016 \- Mar 2018 · 1 yr 5 mos, As a Core member of the Student Placement Committee, I drive campus\-corporate engagement across all channels for my college\.

## Education

Master of Business Administration \(MBA\), Finance & Marketing, Xavier Institute of Management\(XIM Bhubaneswar\)

Bachelor of Technology \(B\.Tech\.\), Computer Science & Engineering, International Institute of Information Technology, Bhubaneswar

[View the original profile](https://tal.club/meet/soumya-ranjan-panda-2)

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