Headline

Associate Vice President - Sales, Revenue, Finance & Program Management | Consumer Lending | AI-Driven Credit Operations | $7M+ Revenue | P&L Leadership | India & Global Markets | FinTech × EdTech

About

High-ownership strategy and operations leader with a decade of experience building and scaling business lines, managing high-value P&Ls, and designing robust Go-To-Market (GTM) playbooks. My career is defined by bridging the gap between high-level executive strategy and ground-level execution in fast-moving, high-velocity environments. Operating at the intersection of commercial operations and product strategy, I function as a trusted partner to C-suite leadership. I specialize in building repeatable operating models from 0 to 1 and rapidly scaling them from 1 to 10. By aligning cross-functional teams across Sales, Finance, Product, and Legal, I take ambiguous organisational goals and translate them into clear, capital-efficient execution plans. Throughout my career, I have consistently optimised for both growth and profitability—whether by managing multi-crore P&Ls with 40% YoY growth, slashing operational manpower costs by over 70% through lean process design, or establishing stringent internal controls to ensure 100% regulatory and audit compliance. I thrive on solving complex, cross-geography scaling challenges and building robust structures where none currently exist. I am passionate about applying a repeatable, data-driven execution playbook to optimise workflows, safeguard margins, and accelerate revenue growth in dynamic, forward-looking organisations. Core Competencies & Expertise: · P&L Ownership & Revenue Assurance · Go-To-Market (GTM) Strategy & Execution · Operating Model & Playbook Design · Cross-Functional Team Leadership · Process Improvement & Lean Scalability · Risk Mitigation & Compliance Governance · C-Suite Collaboration & Stakeholder Management · Data-Driven Decision Making

Location

Bengaluru

AI stack

claude

midjourney

perplexity

ChatGPT

Google ADK

Microsoft Copilot

Work experience

Associate Vice President - Sales, Revenue, Finance & Program Management at Miles Education, May 2024 - Present · 2 yrs 5 mos, Bengaluru, · Spearheaded US Pathway Program sales & collections — generating $7.08M+ revenue at an avg. ticket size of $9,000. · Headed the US Pathway Department end-to-end — student onboarding, university offer letters, loan sanctions ($45K–$80K), F-1 visa prep, and US placement. · Built affordability solutions (loans, scholarships, pay-in-parts) enabling 9,000+ students/year to access CPA, CMA, US Pathway, and US STEM Nursing programs. · Leveraged AI-powered credit decisioning and automated approval workflows to increase NBFC — ↑40% loan approval rates, ↓30% disbursement delays. · Evaluated lender risk, delinquency trends, and repayment behaviour to optimise credit allocation across a multi-lender portfolio. · Modernised backend workflows with embedded governance controls and compliance checkpoints — without compromising customer experience · Owned escalation management for post-sale enquiries and refunds — improving resolution SLAs across a high-volume portfolio. · Managed MIS and performance reporting directly with the COO — covering revenue, collections, disbursements, and portfolio health. · Oversaw account reconciliation across a ₹5.7 Cr+ monthly GMV portfolio in partnership with the finance team. · Deployed intelligent portfolio monitoring systems using predictive analytics to proactively flag delinquency risk — improving credit allocation decisions and portfolio health across a multi-lender ecosystem. · Built AI-assisted operational infrastructure replacing manual processes with intelligent workflows — eliminating 500+ hours of annual processing time across finance, collections, and reconciliation functions.

Senior Manager - Finance Operations & GTM Strategy at BYJU'S, Feb 2021 - Apr 2024 · 3 yrs 3 mos, Bengaluru, •⁠ Successfully designed and deployed an assisted customer facing Mobile App for Loan Applications in collaboration with Partner NBFCs / Banks / FinTechs in adherence to the DLG guidelines of RBI which includes deployment of recent technologies like OCR, Geo-tagging, face-match, liveliness check, video verification, O-KYC, e-mandate, e-sign, Bureau smart-match, etc. ⁠•⁠ Direct integration in Partnership with multiple Financial Institutions and even deployed modules like subscription and PDC to provide affordability solution to the Customers. •⁠ ⁠Designed Business rule engine (BRE) for small ticket personal loans for Customer Credit & Profile Screening •⁠ ⁠Collaboration with leading players like Hyper verge, Karza, Digio, Veri5digit, Experian, etc for various services •⁠ ⁠Managing the end-to-end operations which includes - Customer on-boarding, document validation & video verifications, mandate presentation, portfolio management, re-payments, and collections. •⁠ ⁠Designed and deployed automated processes like STP (straight through process) & automated collections for customers. •⁠ ⁠State-of-art process optimisation to enhance operation productivity and overall business operations. •⁠ ⁠Additional responsibility of Head-Sales Compliance

Manager - Finance Operations & GTM Strategy at BYJU'S, Nov 2018 - Jan 2021 · 2 yrs 3 mos, Bengaluru, Karnataka, India, Established the first-ever FinTech loan vertical in an EdTech setting, heading a team of 20 and forging partnerships with 9+ prominent global banks (including HDFC, ICICI, SBI, RBL) and NBFCs. Debuted the groundbreaking mobile app (TL-PAY), a first-of-its-kind dedicated credit lending platform in the EdTech arena. Attained widespread adoption spanning 250+ cities and amassing over 10 million downloads.

Business Development Manager - Sales & Strategy at BYJU'S, Jul 2017 - Oct 2018 · 1 yr 4 mos, Bengaluru, Karnataka, India, Formulated B2C business strategy for K-12 & Higher Education products across India, USA, UK & MEA regions.

Software Developer Internship at 42Gears Mobility Systems, Jan 2016 - Apr 2016 · 4 mos, Bengaluru, Karnataka, India, Windows Development using C#.

Education

Executive MBA, Operations Management and Supervision, Institute of Management Technology, Ghaziabad

B. Tech, Electrical, Electronics and Communications Engineering, Manipal institute of technology