Sworna Kumar Ponnusamy

• Built from scratch and pivoted the model as Kirana Lending for Retailers.
• Managing around 25cr annually Retailer lending business
• Pivoted and implemented the model from unsecured lending to secured through investments with sip, digital gold to reduce the delinquency from 4%to 1%
• Streamlined operations to consistently deliver on targets and own PnL
• Coached and trained 35team members.

Established 3 Dine-in outlets,2 Food court outlets,3 cloud kitchen and one centralized master kitchen

• Managed franchisee store operations, ensuring smooth daily operations
• Established vendor relationships, ensuring competitive pricing, timely delivery, and product quality
• Successfully converted leads into franchise partners by presenting ROI and responsibilities
• Recruited and trained over 80 blue-collar employees
• Implemented a track system for supply chain operations, optimizing efficiency
• Raised 2 crore investments for new stores from High Net-worth Individuals (HNIs)
• Achieved a turnover of 3 crore in FY 2019-2020

• Built this project from scratch 0-1 and pivoted the model in Bangalore and closed around 35cr in 6 months and now its 200cr monthly business.
• Single handedly managed over 40 traders in Bangalore and financed for their trade from source markets.
• Made EBITDA positive within 4 months with 0.3% delinquency.