---
title: "Swarnam Sinha - Associate Vice President - Sales, Revenue, Finance & Program Management in Bengaluru | Tal"
description: "Meet Swarnam Sinha, Associate Vice President - Sales, Revenue, Finance & Program Management | Consumer Lending | AI-Driven Credit Operations | $7M+ Revenue | P&L Leadership | India & Global Markets | FinTech × EdTech based in Bengaluru. AI stack includes claude, midjourney, and perplexity."
image: "https://tal.club/meet/swarnam-sinha/share-image"
---

# Swarnam Sinha on Tal

## 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

[View the original profile](https://tal.club/meet/swarnam-sinha)

```json
{
  "@context": "https://schema.org",
  "@graph": [
    {
      "@type": "Person",
      "@id": "https://tal.club/meet/swarnam-sinha#person",
      "name": "Swarnam Sinha",
      "url": "https://tal.club/meet/swarnam-sinha",
      "image": "https://tal.club/meet/swarnam-sinha/profile-photo.jpg",
      "description": "Meet Swarnam Sinha, Associate Vice President - Sales, Revenue, Finance & Program Management | Consumer Lending | AI-Driven Credit Operations | $7M+ Revenue | P&L Leadership | India & Global Markets | FinTech × EdTech based in Bengaluru. AI stack includes claude, midjourney, and perplexity.",
      "jobTitle": "Associate Vice President - Sales, Revenue, Finance & Program Management",
      "worksFor": {
        "@type": "Organization",
        "name": "Miles Education"
      },
      "hasOccupation": {
        "@type": "Occupation",
        "name": "Associate Vice President - Sales, Revenue, Finance & Program Management"
      },
      "homeLocation": {
        "@type": "Place",
        "name": "Bengaluru"
      },
      "alumniOf": [
        {
          "@type": "EducationalOrganization",
          "name": "Institute of Management Technology, Ghaziabad"
        },
        {
          "@type": "EducationalOrganization",
          "name": "Manipal institute of technology"
        }
      ],
      "knowsAbout": [
        "claude",
        "midjourney",
        "perplexity",
        "ChatGPT",
        "Google ADK",
        "Microsoft Copilot"
      ],
      "mainEntityOfPage": {
        "@id": "https://tal.club/meet/swarnam-sinha#webpage"
      }
    },
    {
      "@type": "ProfilePage",
      "@id": "https://tal.club/meet/swarnam-sinha#webpage",
      "url": "https://tal.club/meet/swarnam-sinha",
      "name": "Swarnam Sinha on Tal",
      "description": "Meet Swarnam Sinha, Associate Vice President - Sales, Revenue, Finance & Program Management | Consumer Lending | AI-Driven Credit Operations | $7M+ Revenue | P&L Leadership | India & Global Markets | FinTech × EdTech based in Bengaluru. AI stack includes claude, midjourney, and perplexity.",
      "dateModified": "2026-09-14T17:24:44.497Z",
      "isPartOf": {
        "@id": "https://tal.club/#website"
      },
      "mainEntity": {
        "@id": "https://tal.club/meet/swarnam-sinha#person"
      },
      "primaryImageOfPage": {
        "@type": "ImageObject",
        "url": "https://tal.club/meet/swarnam-sinha/profile-photo.jpg",
        "contentUrl": "https://tal.club/meet/swarnam-sinha/profile-photo.jpg",
        "caption": "Swarnam Sinha profile photo on Tal"
      },
      "inLanguage": "en-IN"
    }
  ]
}
```