SHILPI SADHU
Chief Executive Officer- Finshell Pay
Summary
Fintech and Internet services business professional with over 12 years of experience across pre-sales, sales, account management, and operations. Visionary leader with a proven track record in scaling digital lending, payments innovation, and customer-centric financial solutions across Bharat markets. Spearheaded strategic initiatives at Finshell Pay as CEO, driving growth in personal loans, EMI payments, and digital collections. Skilled in forging regulatory and fintech alliances (NPCI, RBI, BBPS) and launching inclusive credit platforms. Passionate about leveraging data, vernacular tech, and mobile-first UX to democratize finance for underserved segments.
Overview
13
13
years of professional experience
23
23
years of post-secondary education
Work History
Chief Executive Officer
Finshell Pay
01.2023 - Current
- Lead full-stack fintech platform offering digital lending, credit lines, EMI payments, and recharge/bill pay services for 20M+ users in Tier 2/3 cities
- Scaled personal loan disbursements and repayment innovations with local partners, enhancing credit access and reducing default rates
- Built alliances with NBFCs, payment processors, and government bodies (NPCI, BBPS) for compliant, scalable loan ecosystems
- Delivered 40% YoY revenue growth through user segmentation, EMI bundling, vernacular UI, and risk-calibrated cross-selling
- Introduced automation in collections, digital KYC, and grievance redressal, reducing turnaround time by 60%
General Manager – Mkash
Finshell Pay
11.2021 - 12.2022
- Directed fintech partnerships and GTM strategies for India's mobile credit and payments super app
- Integrated real-time utility payments, recharge, and EMI repayment solutions with NPCI and BBPS
- Tripled DAUs via loyalty programs and credit-linked utilities
- Managed budgeting, product operations, and compliance for financial offerings
Senior Manager – App Store Monetization
Oppo Mobiles
11.2018 - 10.2021
- Generated ₹8 Cr+ monthly digital revenue from App Store, loans, and financial services apps
- Launched early credit/loan services via embedded fintech apps on Oppo and RealMe devices
- Designed monetization strategies for EMI calculators, bill payment apps, and personal finance tools
- Enhanced financial inclusion with vernacular payment interfaces and strategic app placements
Manager – VAS & Operator Business
Transsion Holdings
10.2017 - 10.2018
- Part of the core strategy team to roll out content and services ecosystem for Itel, Spice, Tecno, and Infinix Mobiles
- Managed Transsion Holdings India Wap & App Store traffic, revenue, content, and services
- Defined new revenue models for developers and publishers to maximize reach and consumption
- Collaborated with UX/UI teams to enhance the user experience of the App Store, making it more intuitive and engaging
Assistant Manager – VAS
Jaina Marketing & Associates
10.2015 - 09.2017
- Built scalable mobile content platforms aligned with brand and revenue goals
- Partnered with ecosystem players to create monetizable mobile lending and recharge services
Sr. Engineer – VAS
Intex Technologies
04.2013 - 09.2015
- Onboarded financial and lifestyle apps to Intex devices, enabling digital loan and wallet penetration
- Collaborated with China teams on GTM schedules for EMI apps and mobile wallets
Software Automation Engineer
Keypoint Technologies
02.2012 - 03.2013
- Developed and tested automation frameworks in Java ME and Android
- Delivered QA for Android payment and loan servicing modules
Education
Masters in Fintech - Financial Technologies
Indian Institute of Management
Nagpur, India 04.2001 - 09.2024
Bachelor of Technology - Computer Science
RGPV University
Skills
Digital Lending Strategy
Accomplishments
- Grew India Appstore to $1M+ monthly revenue with 20M+ DAUs.
- Secured partnerships with Karbonn & Panasonic, adding ₹1Cr/month to digital business.
Timeline
Chief Executive Officer
Finshell Pay
01.2023 - Current
General Manager – Mkash
Finshell Pay
11.2021 - 12.2022
Senior Manager – App Store Monetization
Oppo Mobiles
11.2018 - 10.2021
Manager – VAS & Operator Business
Transsion Holdings
10.2017 - 10.2018
Assistant Manager – VAS
Jaina Marketing & Associates
10.2015 - 09.2017
Sr. Engineer – VAS
Intex Technologies
04.2013 - 09.2015
Software Automation Engineer
Keypoint Technologies
02.2012 - 03.2013
Masters in Fintech - Financial Technologies
Indian Institute of Management
04.2001 - 09.2024
Bachelor of Technology - Computer Science
RGPV University
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