SAI VINOD KUMAR PANDIRI
HYDERABAD
Summary
Chartered Accountant and Product Manager with 7+ years of experience in capital markets, structured finance, and product development at CredAvenue (Yubi). Proven expertise in building and scaling digital lending products, managing client portfolios across multiple asset classes, and originating complex structured finance deals. Strong background in financial analysis, product strategy, and stakeholder management with a core interest in capital markets and fintech innovation.
Overview
9
9
years of professional experience
Work History
Product Manager – Platform & Lending Solutions
CredAvenue (Yubi)
09.2021 - Current
- Onboarded marquee originators (CRED, Slice, UNI, Indiabulls Housing Finance) and lenders (DBS, Axis, SBI, Poonawalla, PayU) through API integrations.
- Spearheaded ideation and development of Yubi’s Operating System stack, scaling platform capabilities beyond lending.
- Built and owned pre-disbursement services (Identity, Dedupe, Bureau, KYC) enabling seamless loan journeys.
- Developed co-lending tranche and top-up flows, enhancing flexibility for originators and lenders.
- Designed single unified onboarding journeys adaptable across asset classes.
- Solutioned integration strategies for key clients, collaborating with engineering, design, and client stakeholders.
- Built the credit card co-lending stack enabling structured card-based lending journeys.
Client Solutions – Structured Finance
CredAvenue (Yubi)
04.2020 - 09.2021
- Managed a portfolio of 11 entities across fintech, microfinance, asset finance, CV finance, and housing.
- Originated and executed transactions via NCDs, Term Loans, PTCs, Direct Assignments, raising funds from banks, NBFCs, offshore funds, and HNIs.
- Underwrote and conducted due diligence on originators across SME, consumer finance, secured/unsecured loans, and microfinance.
- Enabled client growth trajectories (e.g., ₹1 Cr → ₹1000 Cr; ₹1500 Cr → ₹5000 Cr).
Founding Member – Co-Lending Platform
CredAvenue (Yubi)
12.2018 - 03.2020
- Built retail co-lending platform from scratch at Vivriti Capital – among the first in the market.
- Achieved ₹500 Cr AUM within 15 months by onboarding 10 NBFC partners across asset classes.
- Designed and implemented Loan Origination System (LOS) and Loan Management System (LMS) to manage co-lending splits.
- Expanded into consumer fintech unsecured loans, diversifying asset classes.
- Scaled disbursements from ₹2 Cr/month → ₹400 Cr/month by FY20.
Analyst
Polymath Advisors
09.2018 - 11.2018
- Conducted industry & macro research, preparing IMs, teasers, and investor profiles.
- Built DCF, FCFF, FCFE, and relative valuation models for SMEs.
- Supported fundraising through private equity and debt placements.
Industrial Trainee
Infosys Limited
01.2017 - 01.2018
- Process documentation for Risk Control Matrices; identified gaps and recommended corrective controls.
- Performed GR/IR account analysis and coordinated weekly treasury funding requirements.
- Monitored daily bank reconciliations, ensuring financial control compliance.
Education
Chartered Accountant (CA) -
ICAI
CFA Level 1 Candidate -
CFA
Product Strategy - undefined
Reforge
B.Com - Accounts & Finance
Skills
- Product Management & Strategy
- Structured Finance & Capital Markets
- Co-Lending Platforms & NBFC Operations
- Credit Risk & Portfolio Management
- Stakeholder & Partner Management
- Financial Modeling & Valuation
- Deal Origination & Execution
- Data-Driven Decision Making (Tableau, Power BI, Amplitude)
Accomplishments
- Role Model Award – FY2021
- Best Performer recognition for 7 consecutive years at CredAvenue
Languages
English (Fluent)
Telugu (Native)
Hindi (Fluent)
Tamil (Conversational)
Kannada (Beginner)
Hobbies
Cycling
Badminton
Running
Board Games
Timeline
Product Manager – Platform & Lending Solutions
CredAvenue (Yubi)
09.2021 - Current
Client Solutions – Structured Finance
CredAvenue (Yubi)
04.2020 - 09.2021
Founding Member – Co-Lending Platform
CredAvenue (Yubi)
12.2018 - 03.2020
Analyst
Polymath Advisors
09.2018 - 11.2018
Industrial Trainee
Infosys Limited
01.2017 - 01.2018
Product Strategy - undefined
Reforge
B.Com - Accounts & Finance
Chartered Accountant (CA) -
ICAI
CFA Level 1 Candidate -
CFA
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