Headline

Driving Fintech Growth & Monetization @ PayU Finance | Lending, Cross-Sell & Lifecycle Growth | Product-led Growth | Experimentation | Pricing, Retention & Revenue Strategy

About

I enjoy building scalable growth engines at the intersection of fintech, product, analytics, and customer behavior. Over the last 7+ years, I’ve worked across lending, cross-sell monetization, lifecycle growth, pricing strategy, and retention within high-scale consumer businesses. My experience spans building and scaling revenue streams, optimizing customer funnels, driving profitability, and partnering closely with Product, Marketing, Risk, and Tech teams to solve complex business problems. At PayU, I’ve led initiatives across lending growth and lifecycle businesses with ownership spanning: - ₹900Cr+ AUM portfolios - cross-sell monetization - pricing & risk frameworks - retention optimization - funnel conversion improvement - GTM strategy - experimentation-led growth Some outcomes I’ve driven include: • ₹45Cr monthly cross-sell disbursal scale-up • ₹7Cr incremental monthly disbursals via pricing optimization • 40%+ funnel conversion improvement through experimentation • 20% CAC reduction using data-led targeting strategies • 2x application-to-disbursal improvement for pre-approved journeys What excites me most is solving growth problems through first-principles thinking — whether it’s improving monetization, unlocking new growth channels, optimizing lifecycle engagement, or building scalable operating frameworks. I thrive in high-ownership environments where speed, experimentation, customer understanding, and execution quality matter. Core Areas: Growth Strategy | Lending | Lifecycle Growth | Cross-Sell Monetization | Pricing | Retention | Product Growth | Experimentation | Revenue Optimization | Analytics

Location

Bengaluru

AI stack

antigravity

codex

Work experience

Business Manager at PayU, Jan 2025 - Present · 1 yr 8 mos, Bengaluru, Driving growth and lifecycle monetization across lending businesses by owning portfolio growth, cross-sell strategy, customer engagement, and operational execution across the consumer lending funnel. • Own portfolio growth and lifecycle management across Xpress & Repeat Loan businesses with responsibility spanning ₹900Cr+ AUM, cross-sell disbursals, retention, and profitability guardrails • Partner closely with Product, Marketing, Risk, Analytics, Operations, and Tech teams to identify funnel leakages, optimize customer journeys, and improve conversion efficiency across lending workflows • Led growth and platform initiatives that delivered 30%+ disbursal uplift through segmentation optimization, pricing interventions, partnerships, and customer lifecycle experimentation • Built scalable operating frameworks across sales and lifecycle teams, including SOPs, incentive structures, KRAs, and OKR-driven execution models for a 35-member in-house/BPO setup • Drive business reviews, portfolio health monitoring, growth forecasting, and monetization strategy to ensure sustainable expansion while maintaining portfolio quality

Lead Business Analyst at PayU, Oct 2023 - Apr 2025 · 1 yr 7 mos, Bengaluru, Led growth, monetization, and product analytics initiatives across lending and cross-sell businesses, focusing on scalable revenue growth, lifecycle optimization, and experimentation-led execution. • Owned monetization and growth analytics initiatives across cross-sell and lending products, driving 20–25% improvement in key business KPIs through data-backed strategic interventions • Delivered ₹7Cr incremental monthly disbursals by building a risk-based pricing framework that optimized customer pricing sensitivity, portfolio profitability, and conversion efficiency • Built experimentation-led growth frameworks across acquisition and lifecycle funnels, improving funnel conversions by 40%+ and unlocking scalable cross-sell revenue streams • Scaled zero-cost cross-sell business to ₹45Cr monthly disbursals by optimizing acquisition channels, pricing, operations, fraud controls, and GTM execution across products including Credit Cards, Insurance, BBPS, and Gift Cards • Partnered with leadership, product, and business teams to evaluate new growth opportunities, launch monetization initiatives, and build scalable operating models for emerging business lines

Senior Business Analyst at PayU, Apr 2021 - Sep 2023 · 2 yrs 6 mos, Bengaluru, Focused on lending growth, retention, customer targeting, and lifecycle optimization through experimentation, behavioral analytics, and scalable operating frameworks. • Redesigned calling and customer engagement strategies using conversion propensity analysis, increasing lead conversion rates from 72% to 86% and driving ₹2Cr incremental monthly disbursals • Built preselection and pre-approved lending frameworks that doubled application-to-disbursal rates while significantly improving top-of-funnel engagement through personalized lifecycle communication • Spearheaded a foreclosure mitigation strategy that reduced foreclosure rates by 20%, improving portfolio stability and generating ₹4Cr+ annualized impact through increased interest retention • Leveraged 4,000+ payment gateway behavioral variables to identify high-intent lending cohorts, reducing CAC by 20% and unlocking ₹3Cr incremental monthly disbursals through precision targeting • Worked cross-functionally with Product, Risk, and Marketing teams to scale lifecycle engagement and improve customer retention across lending products

Business Analyst at Affine Analytics, Oct 2018 - Feb 2020 · 1 yr 5 mos, Bengaluru, Karnataka, India, Worked on customer analytics, experimentation, and monetization use-cases for global digital businesses through advanced analytics and data-driven optimization frameworks. • Built churn prediction models that identified key revenue-risk cohorts and enabled targeted retention interventions for high-value advertiser segments • Conducted experimentation and KPI analytics initiatives that unlocked new monetization opportunities and contributed to $3M monthly revenue impact for one of the world’s largest search platforms • Leveraged exploratory data analysis and customer behavior insights to optimize ad placements, improving advertiser click-through rates by 12% • Developed real-time dashboards and analytics frameworks to support strategic decision-making across product and growth teams

Intern at Affine Analytics, Jul 2018 - Sep 2018 · 3 mos

Education

BSc. (H) Mathematics, Delhi University

Senior Secondary, Science, Ahlcon Public School