Sanjay Darbha

Founded a NBFC-P2P lending platform. I was involved in all aspects of my startup, including finance, operations, technology, and marketing.

Business Development and Growth

1. Lead the business development strategy to bring together lenders and borrowers to transact with ease and convenience.

2. Ran 1,600 full-cycle P2P loans for micro businesses (cumulative loan book of 11.5 Cr).

Technology

1. Developed a technology platform for marketplace lending – using Microsoft tech stack, built custom credit score, data analytics in-house.

2. Institutionalised processes for borrower credit assessment and lender risk management.

Partnerships

1. Fostered partnerships with other fin-tech companies such as PayTM, Perfios, eMudra, and integrated their solutions into our lending platform.

2. Tie-ups with NSDL, various CICs, HDFC Life Insurance, and escrow account management.

Advocacy – Participated in panel discussions in various national and international conferences such as LendIt, Sa-Dhan National Conference, and various other fin-tech topics in local media channels.

• Business-IT strategy and budgeting, Technology management, well conversant with the RBI's master directions on the IT framework for NBFCs, IT road mapping and development.
• Lead IT audit efforts, external stakeholder management, vendor management, and risk management.
• Liaising with RBI on IT Guidelines and related matters.
• Lead IT steering committee for identification of strategic priorities and critical success factors.

Led the offshore IT delivery centre of more than 120 technology professionals, providing strategic and operational guidance in delivering software services in the retail domain. Strengthened the business by leading implementation of a new e-learning business line.

Chief of Staff: leadership support, offshore project team resource allocation, problem solving, offshore decision making, business growth, offshore employee performance, and appraisals.

Budgets and Planning: Reviewed and approved budget proposals, ensured adequate plans for the control of planned outputs, budget spending, customer service, and human utilization.

Client management: Established objectives and procedures governing the performance of assigned activities and reviewed objectives of the operations management. Built and maintained customer relationships, such as Abercrombie & Fitch, QA for E-commerce, Order management systems, and point of sales; Ascena Retail - QA for Warehouse management systems.

Sr. Principal Manager at SKS Microfinance Limited: Business-IT strategy, Technology management and PMO, Data migration, Designing, field implementation of non-financial products for microfinance customers.

VP – Mobile Banking and Chief of Staff at SKS Trust Advisors: Strategic initiatives, resource allocation, business growth, employee performance, and appraisals.

Delivery of banking services:

• Designed and led field implementation of non-financial products for microfinance customers at an affordable cost to serve the vast sections of the low-income group.
• Managed end-to-end mobile banking field operations and P&L, ran operations in 3 states, 7 districts in India (Karnataka, Maharashtra, and Orissa).

Business POC: developed a mobile-based software and MIS for a massive supply chain initiative. Responsible for creating an MSME portfolio of about INR 165 Cr by enrolling more than 15,000 Kirana stores with the FMCG giant METRO Cash & Carry.

Advancing partnerships: YES Bank, ICICI Bank, EKO, mChek, NOKIA, METRO Cash & Carry, Allianz-Bajaj Retail Insurance, Price Waterhouse Coopers, and WIPRO.

Business development, Program Management, Account management, and Pre-sales. End-to-end project management activities for US clients.

Technology solutions: Java/J2EE design and development, DB design (Oracle & SQL Server), SEPG activities.

Project management: led activities for fixed-bid software in business verticals such as Construction Insurance, General Insurance, and Utilities, and technology verticals such as field force automation.

Technology delivery and client management: Some of the noteworthy customers are Allied NA, Summit Energy, Jacksonville Electric Agency, National Grange Mutual, and Houghton Mifflin Group.

Programming

• Java and Visual Basic programmer.
• Coding stored procedures in Oracle. Maintenance, and Production support team member of the ITC Bhadrachalam Paperboards finance department's IT software and systems.