Summary
Overview
Work History
Education
Skills
Why Hire Me
Timeline
Generic

Vinit Ojha

Mumbai

Summary

Dynamic and results-driven Product and Operations Leader with 10+ years of experience in FinTech, NBFC, Lending, and Hospitality. Adept at driving product innovation, digital transformation, operational efficiency, and business strategy. Proven success in scaling businesses, optimizing costs, and enhancing customer experience through technology-driven solutions. A visionary leader skilled in building and mentoring high-performing teams.

Overview

12
12
years of professional experience
2033
2033
years of post-secondary education

Work History

Director of Product & Operations

Credit Wise Capital Pvt Ltd
06.2022 - Current
  • Spearheaded product vision & business strategy, leading an NBFC with ₹1500 Cr disbursal & ₹700 Cr live portfolio, achieving 30% YoY growth over three years
  • Managed a 30-member team, including 5 vertical leads across Product, Innovation & Operations
  • Developed 5 D2C loan products along with LOS – TW marketplace (CWC Swift), TW WhatsApp journey (TWIN2), Personal Loan (CWC Cash), Loan for Health Insurance (CWC Care) and CWC Sewa (Micro LAP) using API integrations of E2E journey
  • Increased cross-sell penetration from 40% to 90%, securing an annual upfront income of ₹20 Cr
  • Pioneered 0-1 product retail and QR scan-based TW loan journey with real time approved limits; defined the policy and pricing and schemes for limit assignments, resulting in 4 lakh+ customer base Improving the CX & sourcing mix across the portfolio
  • Implemented TW policy by creating multiple scorecards for customer, dealers and sales officers; ensured quality sourcing by reducing YOY bounces by 48%
  • Improved productivity by 50% and reduced Opex by 19% by creating real time visibility on performance parameters, managing incentive program and seasonal contests for ~1000 canvassers and ~500 dealers
  • Reduced operational costs by 19%, improved productivity by 50%, and cut YOY bounces by 48%
  • Digitized lending with eSign, eMandate, Invoice OCR & Vahan Integration, achieving 80% auto-disbursements and 98.9% TAT reduction (3 min processing time)
  • Implemented a business rule engine, increasing Straight-Through Processing (STP) approvals by 60%, reducing manpower needs by 40%
  • Revolutionized Physical Kit Handling with Branchless Digitalization, Partnered with a central courier service
  • Introduced digital POD tracking integrated with courier services
  • Enabled real-time POD verification, achieved 0 pendency in last FY with reduction in handling cost by 40%
  • Built Price check & Asset valuation by API-Integration in loan-journey, led to 100% arrest of overfunding/overpricing practices
  • Optimized cloud infrastructure, cutting costs by 50% (AWS to GCP migration)
  • Designed KPI dashboards on Power BI integrated with LOS and LMS for a 500+ member sales & collections team with 25+ performance metrics
  • Key Projects: Loan Origination System - Two-Wheeler, Micro LAP & Personal Loans, TWIN2 – WhatsApp-based TW loan journey bot, Customer Service App – One-stop satisfaction solution, ezPayout – End-to-End Payout & Incentive Solution
  • Tech Stack: Java Spring, React JS, React Native, MySQL, AWS, GCP

Head of Product & Operations

OTO Capital
06.2020 - 06.2022
  • Scaled loan disbursals from scratch to ₹25 Cr monthly, processing 3,000+ loans/month within 1.5 years, driving 5x portfolio growth
  • Expanded operations from 3 to 7 cities, optimizing branch setup, credit risk assessment, and collections
  • Led a 42-member team, including 4 vertical heads across sales, credit, operations, and collections, improving efficiency and decision-making
  • Integrated & streamlined lending operations by onboarding 4 lenders, 3 signing portals, and 3 ECS providers, reducing turnaround time by 25%
  • Optimized repossessed vehicle resale strategy, increasing profit per unit by ₹3,800, resulting in an additional ₹75L annual revenue
  • Implemented automation in customer support by migrating to Freshdesk, reducing ticket volume by 30%, improving response time, and enhancing customer experience
  • Strengthened risk & compliance frameworks, reducing NPAs through data-driven underwriting models and early warning systems

Senior Manager – Product & Operations

Rupeek Fintech
12.2019 - 06.2020
  • Expanded business from 9 to 20 cities in just 6 months
  • Reduced hiring & operational costs by 20%
  • Integrated 2 new lenders for seamless asset assessment & loan disbursal
  • Designed Vault operations, ensuring asset security with 20-minute TAT
  • Optimized lead assignment, improving efficiency by 10%

Program Manager – Central Operations

OYO Rooms
07.2019 - 01.2020
  • Reduced operational expenditure by 18.1% in Q3 2019
  • Increased GM span from 130 to 193 rooms, boosting revenue by 0.5%
  • Deployed IoT devices, reducing pilferage & enhancing revenue realization
  • Implemented Property Transformation Audits and automated workflow solutions

Project Manager – Central Operations

OYO Rooms
05.2018 - 06.2019
  • Led cost optimization initiatives, managing 30% of total OpEx
  • Expanded staffing operations from 3K to 30K rooms via vendor partnerships
  • Established L&D vertical, reducing training TAT from 18 to 6 days
  • Integrated biometric & face recognition payroll system, cutting staffing OpEx by 14.8%
  • Achievement: Ranked in the Top 0.5% of employees (FY 2018-19)

Assistant Manager – Procurement & Supply Chain

OYO Rooms
07.2017 - 04.2018
  • Achieved a 37% cost reduction in 6 months through strategic sourcing
  • Improved vendor compliance to 90%, ensuring On-Time In-Full (OTIF) deliveries
  • Recognized with the Hotelier India Award for Procurement Excellence

Post Graduate Trainee – Operations

CredR (Incredible Technologies)
07.2016 - 06.2017
  • Implemented predictive models for warehouse site selection, reducing costs by 13%
  • Developed a semi-automated inventory tracking system, optimizing supply chain efficiency
  • Negotiated vendor partnerships, cutting logistics expenses by 40%

Graduate Engineer Trainee – Production Engineer

Grasim Industries Pvt Ltd (Aditya Birla Group)
07.2013 - 02.2015
  • Led fly ash brick manufacturing plant setup, reducing manpower costs by 20%
  • Applied Kaizen, 5S & TPM methodologies, boosting production efficiency by 10% and minimizing breakdowns by 30%

Education

MBA -

NIT Jamshedpur
04.2001 - 01.2017

Research Work -

IIT Kharagpur
01-2016

BTech - undefined

Rajeev Gandhi Technical University

Skills

  • Product Strategy & Development
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Why Hire Me

  • Proven Leadership: Spearheaded multimillion-dollar projects with exceptional business impact.
  • Tech & Business Synergy: Hands-on expertise in Product, Operations, and Technology.
  • Growth-Oriented Mindset: Scaled businesses, optimized costs, and built high-performing teams.
  • Digital Transformation Expert: Successfully led process automation and AI-driven lending solutions.
  • Strong Industry Network: Established relationships with leading NBFCs, Banks, and FinTech players.

Timeline

Director of Product & Operations

Credit Wise Capital Pvt Ltd
06.2022 - Current

Head of Product & Operations

OTO Capital
06.2020 - 06.2022

Senior Manager – Product & Operations

Rupeek Fintech
12.2019 - 06.2020

Program Manager – Central Operations

OYO Rooms
07.2019 - 01.2020

Project Manager – Central Operations

OYO Rooms
05.2018 - 06.2019

Assistant Manager – Procurement & Supply Chain

OYO Rooms
07.2017 - 04.2018

Post Graduate Trainee – Operations

CredR (Incredible Technologies)
07.2016 - 06.2017

Graduate Engineer Trainee – Production Engineer

Grasim Industries Pvt Ltd (Aditya Birla Group)
07.2013 - 02.2015

MBA -

NIT Jamshedpur
04.2001 - 01.2017

BTech - undefined

Rajeev Gandhi Technical University

Research Work -

IIT Kharagpur

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