Rupashri Lakshmipathi
Bangalore
Summary
Strategic operations leader with 20+ years of experience in financial services, fintech, and banking, specializing in regulatory operations, KYC/AML compliance, and enterprise process optimization. Proven track record of building and scaling high-performing, audit-ready operations functions while ensuring adherence to internal controls, risk frameworks, and regulatory mandates. Adept at partnering with compliance, legal, and business stakeholders to lead transformation initiatives, improve documentation standards, and implement KYC policies across onboarding and periodic review processes. Certified in Prince2 Agile and Fintech (IIMK), with strong capabilities in governance, automation, stakeholder management, and team leadership.
Overview
26
26
years of professional experience
1
1
Certification
Work History
Director –Head of Operations
Ninja cart
04.2025 - Current
- Company Overview: India's largest tech-driven supply chain platform that connects farmers of fresh vegetables and fruits with kiranas and businesses. Now a Fintech which aims at being the best in class, with the best offering to it Clients and thereby enhancing growth.
- Collaborated with CXOs and Senior Leadership to design and implement end-to-end operational strategies across multiple fintech verticals, ensuring alignment with business growth and compliance objectives.
- Established and scaled high-performing operations for diverse products including Trade Finance, Anchor Finance, BNPL, and Farm Finance, maintaining 100% adherence to RBI, AML, and internal risk policies.
- Built and led the financial operations team responsible for Pan-India disbursements, repayment tracking, and reconciliation across partner networks and product lines.
- Developed and institutionalized standard operating procedures (SOPs) and compliance frameworks, fully aligned with regulatory mandates and audit protocols.
- Partnered with cross-functional teams (Credit, Legal, Tech) to automate loan documentation and screening workflows, reducing manual dependencies by 60% and enhancing turnaround time.
- Implemented robust KYC review cycles and embedded quality controls, achieving a 98% first-time-right documentation accuracy across all onboarding channels.
- Acted as the primary escalation point for documentation gaps, compliance deviations, and onboarding exceptions, ensuring timely resolution and risk mitigation.
- Designed strong internal control systems for transaction processing, resulting in zero audit flags across three consecutive financial years.
- Conducted detailed operational performance analyses to identify gaps, define KPIs, and implement process improvements for sustained efficiency and productivity.
- Led budgeting and forecasting in partnership with Finance, aligning operational spend with strategic priorities and driving cost discipline.
- Spearheaded internal, external, compliance, and legal audits, ensuring full transparency and adherence to all regulatory and internal standards.
- Directed hiring, training, and capability development of high-performing teams, fostering a culture of ownership, collaboration, and continuous learning.
- Championed initiatives to automate manual workflows and optimize workforce allocation, delivering significant cost and time savings.
- Ensured rapid resolution of client issues with root cause analysis and corrective action planning, leading to improved client satisfaction and retention.
- Established clear performance benchmarks and SLAs across functions, and conducted regular reviews and audits to ensure continuous operational excellence.
- India's largest tech-driven supply chain platform that connects farmers of fresh vegetables and fruits with kiranas and businesses. Now a Fintech which aims at being the best in class, with the best offering to it Clients and thereby enhancing growth.
Asst Vice President 2 - Operations Lead– Business loans, MSE & Bills discounting
Jana Small finance bank
07.2016 - 02.2022
- Led asset operations (secured and unsecured lending) across India, overseeing end-to-end lifecycle management, disbursements, reconciliations, and compliance for the Enterprise Financial Services (EFS) portfolio.
- Spearheaded the end-to-end setup of operations for the bank’s Supply Chain Financing vertical, including process design, partner onboarding, risk controls, and compliance frameworks.
- Successfully scaled the Supply Chain Financing book to ₹300+ Cr within just one year, through operational agility, stakeholder alignment, and strategic execution.
- Designed and deployed cross-functional, competency-based training programs to upskill teams across Operations, Credit, and Customer Support; improved workforce productivity and process ownership.
- Conducted comprehensive reviews and re-engineered core operational systems and SOPs, significantly enhancing efficiency, accuracy, and turnaround time across high-volume processes.
- Led multiple internal, statutory, legal, and compliance audits across business units, ensuring zero non-compliance and strengthening the bank’s risk and governance posture.
Asst Vice President - Regional Transformation lead
Jana Small finance bank
07.2016 - 02.2022
- Appointed as part of the core strategic team from the MD’s office, entrusted with national-level transformation projects as Project Manager across high-impact operational domains.
- Spearheaded the transition of the Group Loan business across India, resulting in a TAT reduction of 4 days, and optimized Business Loan disbursal TAT by 2 days, significantly improving operational efficiency and customer experience.
- Led critical projects including collections process revamp in line with RBI mandates, streamlining asset account opening, and cash withdrawal process redesign, ensuring regulatory compliance and operational control.
- Responsible for stabilizing and building high-performing regional teams, overseeing training, performance monitoring, and capability development to enhance execution and service standards.
- Directed the Retail Product Sales Channel for MFI business, leading a cross-functional team of 125+ staff across Sales, Collections, and Operations in 5 branches, managing a portfolio worth ₹75 Cr.
- Defined and implemented performance metrics and profitability parameters, ensuring cost optimization, unit-level profitability, and alignment to the vertical’s financial and operational KPIs.
Cluster Head – Branch Network Head – Personal Loan for Karnataka
Capital First Ltd. (IDFC Bank)
11.2012 - 12.2015
Cluster Head – Karnataka, CommunityMatrimony.com
Consim Info Private Limited
07.2012 - 11.2012
Freelance Trainer
Heart talk and Utopia Learning
01.2012 - 06.2012
Officer Consumer Business
CitiFinancial Consumer Finance India Limited
04.2000 - 12.2008
Marketing officer - North Bangalore
ING Vysya
07.1999 - 03.2000
Education
Master Diploma Program - Fintech
Indian Institute of Management, Kozhikode
Post Graduate Diploma - Business Administration (Marketing & Finance)
Mount Carmel Institute of Management
Bachelors in Business Management - Marketing
Bangalore University
Skills
- Operations risk Management
- Transition Management
- Strategic Planning
- Relationship & Vendor Management
- Training & Development
- Portfolio Management
- Project Management
- Financial Management
- Automation & process Improvement
- AML/KYC Compliance & Risk Assessment
- KYC Documentation Verification & Quality Control
Certification
- NLP Basic and Masters
- Train the Trainer
- Prince 2 – Agile & Practitioner
- Six Sigma – Green Belt
Timeline
Director –Head of Operations
Ninja cart
04.2025 - Current
Asst Vice President 2 - Operations Lead– Business loans, MSE & Bills discounting
Jana Small finance bank
07.2016 - 02.2022
Asst Vice President - Regional Transformation lead
Jana Small finance bank
07.2016 - 02.2022
Cluster Head – Branch Network Head – Personal Loan for Karnataka
Capital First Ltd. (IDFC Bank)
11.2012 - 12.2015
Cluster Head – Karnataka, CommunityMatrimony.com
Consim Info Private Limited
07.2012 - 11.2012
Freelance Trainer
Heart talk and Utopia Learning
01.2012 - 06.2012
Officer Consumer Business
CitiFinancial Consumer Finance India Limited
04.2000 - 12.2008
Marketing officer - North Bangalore
ING Vysya
07.1999 - 03.2000
Post Graduate Diploma - Business Administration (Marketing & Finance)
Mount Carmel Institute of Management
Bachelors in Business Management - Marketing
Bangalore University
Master Diploma Program - Fintech
Indian Institute of Management, Kozhikode
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