AMBIGA DEVI M A

• Strategized API Based Solution for Credit scoring & Risk assessment, digital identity verification model, land ownership and land risk score & Productivity monitoring
• Spearheaded onboarding of new features such as customer & location intelligence, aligning with market demands & competitiveness
• Collaborated Cross-functionally with Legal, Credit, IT & Infosec to prioritize, plan & execute API Integration, driving product growth
• Led E-2-E execution of trade fair from initial planning to follow up ensuring seamless operation; Monitored social media channels
• Launched & Implemented Field Monitoring Systems; Enhanced UI/UX designs; Provided training & increased penetration by 50%
• Achieved an L&T Finance 'Outstanding Performance’ rating & awarded “Bright Spark Award” for contribution to strategic innovation.

* Pioneered the launch of 4+ B2B, B2B2C, and B2C lending products, boosting profitability by 20% and increasing tractor sales by 20% through strategic channel expansion across 900+ tehsils.

* Orchestrated end-to-end product development, from extensive market research and competitor benchmarking to spearheading API integrations for digital lending, ensuring data accuracy and privacy.

* Managed compliance, risk assessment, and profitability in policy reviews while collaborating cross-functionally with Sales, Operations, and IT to define requirements and create user stories for system integration.

* Established product roadmaps and governance structures, reducing risk by 50% and optimizing system integration and end-to-end processes.

* Streamlined operational workflows, reducing TAT by 20% and errors by 60% through regular audits, training, and standardized onboarding, increasing accountability by 50%.

* Developed targeted training for 400+ employees, contributing to a 30% sales increase and 35% customer base expansion, and achieved 95% user adoption through UAT and holistic support.

* Analyzed over 2,000 vendor sales and credit data using 25+ metrics, and 50+ business, financial, and portfolio metrics to assess risk and inform market entry strategies.

* Explored digital models with payment networks to integrate 3M+ farmers and 30K+ societies, and disbursed over ₹390 Crores in Trade Advance products by refining delivery processes and stakeholder engagement.

• Strengthened operational efficiency & sales of Fruits & Vegetables in B2C sector| Understood Consumer Perception for Satellite cities in B2B
• Boosted sales by 40%. Streamlined Inventory Health for 59 SKUs. Minimised loss by 10% using pricing strategy.
• Conducted 12+ In-depth Interviews, surveyed 230+customers & retailers. Hiked Customer Onboarding by 30%

• Market Exploration of Animal feed industries (B2B) in South India |Market Exploration of Tobacco Industry in Africa
• Conceptualised and evaluated major 20+ market clusters for targeting B2B companies in south India (4 states)
• Mapped Potential Markets and Devised New Product Launch and GTM Strategy for B2B market in Africa