KRISHNA KISHORE
Bengaluru,Karnataka
Summary
Result-oriented business and growth professional with 14+ years of experience in building, scaling and leading teams and strategy across Banking, FinTech and e-commerce sectors.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Head - Embedded Finance
FinBox
03.2022 - Current
- Lending Partnerships : Enabled over two dozen lending partnerships across anchors, lenders and LSPs.
- Lead - Enterprise : Onboarded and managed Key Enterprise accounts to build a monthly business of 50 cr.
- Portfolio Management : Led a team of KAMs and Improved client satisfaction by coordinating cross functional efforts and implementing continuous process improvements.
- Funnel Improvement : Successfully optimized the lending applications funnel and collaborated closely with the product team to implement the solution.
- Banking products: Closed over dozen clients' deals on Core Banking products for Risk assessment.
Lead - Growth (Strategic Alliances & Partnerships
RUPIFI
07.2021 - 03.2022
- Growth Strategy: Developed product GTM strategy and inked more than 12 partnerships for go-live
- Portfolio Management: Evaluated and refined processes, enhanced product journeys to improve disbursals. Refined multiple processes and added value to existing product journey.
- Client relationship: Built strong relationships with CXOs, Business, and Finance teams.
- Product & Process development: Interacted with partners for continuous refinement of the product and scaling its usage.
Associate Vice President – Business Lead
Capital Float
01.2018 - 06.2021
- Product Launch: Built and led a 30 member team, launched the Small Loans Program in 16 cities with ₹ 78 Crore disbursed.
- New Flow Acquisition: Identified and helped in implementation of key features to reduce customer drop off rate from 60% to 80% during the period from Nov-2020 to March-2021.
- Team building: Scaled customer reach by hiring and training a team from five members to 30-member team. Increased capacity of calling from 10k numbers to 60k numbers from Nov-2020 till Mar-2021.
- Business development & Partnership: Have roped in key partners from IT, Kitchen & Home appliances & HORECA industry. Increased partnership count from 8 to 28 numbers during two year stint.
- Portfolio management: Disbursed ₹18 Cr month on month to reach ₹250 Cr AUM by Feb-2020. Improved utilization in Pay Later product by 70% through monthly sales action plan which included customer engagement on a fortnightly basis.
- Collections: Assisted Collections team in improving collection rate from delinquent customers. Improved 30+ (%) rate from 3 % to 1 % during the period from April -2019 to May-2020.
Zonal Sales Manager
OLX India
05.2016 - 11.2017
- Record Launch and Team Building: Finalized and launched business plan in three months, hired and trained a team of 35 members
- New Sourcing: Achieved a client base three times larger than the nearest competitor
- Revenue Generation: Improved VAS revenue, increased ARPU by 28%, enhanced revenue by cross-selling/up-selling.
Area Sales Manager
Kotak Mahindra Prime
02.2009 - 05.2016
- Team & Product Management: Led Alternate Business Division for Karnataka & Andhra Pradesh, overseeing Corporate and Large Business Unsecured Loans, Retail Unsecured Loans, Life, and General Insurance Products
- System Implementation: Assisted in ideation and implementation of LOS (Loan Origination System) for Pan-India release
- Target Achievement: Overachieved Gross Margin (9% over 8.2% target) and Net Margin (10.6% over 9.5% target), improving unit and vertical profitability. Achieved 80% penetration of cross-selling Credit Life Insurance on existing customer base.
Education
MBA - International Business (Marketing & Finance)
PSG Institute of Management
Coimbatore03.2006
B.Tech - Electronics & Communication
Jawaharlal Nehru Technical University
Hyderabad, India03.2004
Skills
- Sales Strategy
- Contract Negotiation
- Market Mapping
- Revenue Growth
- Stakeholder Management
- Solutioning
- Client Relationship Management
Certification
● Completed “The Praxeum Foundations Leadership Program” by Stillwater Consulting
● Completed “Acumen – Seth Godin's Leadership Workshop” by Udemy
● Completed “Become a Product Manager – Learn the Skills” by Udemy
● Completed “Complete Introduction to Business Data Analysis” by Udemy
● Certification in General Insurance by IRDA, sponsored by TATA – AIG General Insurance in 2007
- Certification in Life Insurance by IRDA, sponsored by Kotak Life
Insurance in 2008
Accomplishments
- Certificate of Appreciation for achieving BHAG contest for South I region in June 2017
- Certificate of Appreciation for being the SQUADWON team in March 2017
- Won the Dubai Trip & Bangkok Trip in F1 – Excelerate & KFP RockStarz respectively held by Kotak in 2010 & 2008
- Won the Shaurya Puraskar in Ranbhoomi in 2007
- Awarded The Best CRM for the month of July 2007 in Karnataka Region
- Won “Highest Debt Consolidations” of Karnataka region for the month of July 2006
Accomplishments
- 1st prize in the Battling Brand Lords (Marketing Game) held at PSG Institute of Management, Coimbatore in 2004 and 2nd prize in Business Quiz held at PSG Institute of Management, Coimbatore in 2004
- 3rd prize in Business Plan Competition at 3rd All India Management Students' Convention conducted by Madras Management Association (MMA), Chennai in 2004
- 4th position in the South Indian Regional Finals of CHANAKYA, AIMA – INFOSYS National Student Management Game (NSMG – 2005) organized by AIMA, Coimbatore in 2005
Timeline
Head - Embedded Finance
FinBox
03.2022 - Current
Lead - Growth (Strategic Alliances & Partnerships
RUPIFI
07.2021 - 03.2022
Associate Vice President – Business Lead
Capital Float
01.2018 - 06.2021
Zonal Sales Manager
OLX India
05.2016 - 11.2017
Area Sales Manager
Kotak Mahindra Prime
02.2009 - 05.2016
MBA - International Business (Marketing & Finance)
PSG Institute of Management
B.Tech - Electronics & Communication
Jawaharlal Nehru Technical University
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