Divyanshi Rao
Gurgaon
Summary
Strategy consultant with 6+ years of experience advising clients across payments, financial services, and digital commerce ecosystems. Proven expertise in defining growth strategies, designing new business models, and leading strategic transformation programs. Delivered impact across large-scale engagements involving various products redesign, merchant ecosystem expansion, and compliance-driven go-to-market execution. Strong focus on market opportunity sizing, stakeholder alignment, and scalable product strategy - serving leading conglomerates, national aggregators, and policy bodies.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Senior Associate - Strategy Consulting - Financial Services Advisory
PwC India
07.2021 - Current
- Payments Growth Strategy for Conglomerates: Defined roadmap for new payment offerings including wallets, digital lending, embedded finance, and loyalty platforms. Developed tailored growth strategies across consumer and MSME segments.
- Merchant Ecosystem Strategy: Built GTM and onboarding strategy for POS and PG channels, segment-specific journeys, and product improvement plans for a national aggregator.
- Regulatory Strategy: Led SAR and PA license readiness. Mapped regulatory gaps, coordinated IT control alignment, and authored RBI-compliant documentation.
- Digital Commerce Strategy: Identified and prioritized embedded finance opportunities. Benchmarked partnership models for NBFCs and banks.
- Industry Body Advisory: Defined governance, funding, membership models, and policy direction for a national payments standards body.
- Led 15+ strategy projects from diagnostics to execution. Created trackers, stakeholder reports, and executive-level presentations. Led client workshops and solution co-design sessions.
- Created winning strategies and decks for leading Fintechs and Payments Companies in India and globally.
Summer Intern - Retail Credit Strategy
Bajaj Finserv
05.2020 - 07.2020
- Assessed ₹54T AMU market; developed consumer targeting and wallet share growth strategy.
Credit Risk Analyst Intern
JP Morgan Chase
03.2019 - 04.2019
- Developed real estate credit evaluation framework and due diligence tools.
Sr. Financial Analyst - Strategy & Valuation
Mcube Financial
04.2017 - 02.2019
- Underwrote $165M+ in mortgages and $600M+ in securitizations. Revamped analytics models and SOPs.
Education
MBA -
Indian Institute of Management Bangalore
Bangalore 06-2021
B.Com (Hons.) -
Shri Ram College of Commerce, Delhi University
06-2016
Skills
- Strategy Development
- Payments Strategy
- Lending Products
- Market Sizing
- Business Model Design
- Ecosystem Mapping
- Stakeholder Engagement
- C-suite Presentations
- Go-to-Market Execution
- Excel
- PowerPoint
Websites
Certification
- CFA Level 1
- Financial Modelling & Valuation (CFI)
Leadership And Initiatives
- Led 10+ strategic proposals including BharatPe, Adani, Paytm
- Mentored 5+ associates on strategic delivery and industry knowledge
- IIMB Placement Team; Equity Fund Co-lead at IIMB
Languages
English
Proficient
C2
Hindi
Proficient
C2
Timeline
Senior Associate - Strategy Consulting - Financial Services Advisory
PwC India
07.2021 - Current
Summer Intern - Retail Credit Strategy
Bajaj Finserv
05.2020 - 07.2020
Credit Risk Analyst Intern
JP Morgan Chase
03.2019 - 04.2019
Sr. Financial Analyst - Strategy & Valuation
Mcube Financial
04.2017 - 02.2019
MBA -
Indian Institute of Management Bangalore
B.Com (Hons.) -
Shri Ram College of Commerce, Delhi University