A keen learner with experience in New Roll outs and driving Operational efficiency. Expert in driving Overall Business Growth, Channel Sales, Direct Sales, Marketing initiatives, Business Development and General Management. Currently looking at essaying a leadership role in an Organization with Growth opportunities
Overview
21
21
years of professional experience
1
1
Certification
Work History
Director Global Commercial & Network Expansion – Global Market
Lightnet Singapore Pte. Ltd
Singapore
03.2023 - Current
Responsible for a team of 7 on-roll members leading Business development, Network expansion and Onboarding
Deliver 60 Mn+ USD in principle per month
Launched key partnerships and payout network for global coverage
Streamlined business processes, coordination with key stake holders including compliance, IT, Project management, Payment operations for global success
Responsible for driving a revenue of 1 Mn USD
Set up processes and policies for smoother operations
Displayed key role in getting bank accounts with JP Morgan, FAIB
Part of team completing the application for new activities under MPI (MAS) and MSO (in Hong Kong)
Strengthened internal controls by reviewing existing policies and procedures, ensuring compliance with regulatory requirements.
Effective channel & key accounts management
Implemented innovative solutions to solve complex problems, resulting in increased productivity and streamlined operations.
Developed high-performing teams by providing mentorship, guidance, and opportunities for professional growth.
Country Lead – Business Development – Singapore, Hong Kong & Macau
Western Union Financial Services Singapore Ltd.
Singapore
10.2022 - 03.2023
Responsible for driving business for own locations, digital channel and partner network.
Lead Digital and retail business for Singapore, Hong kong and Macau through various initiatives and partnerships
Lead a team of 80+ on roll employees and 100+ agent employees
Working on various key partnerships for B2B, B2C, C2B and C2C payments
Lead for applying for additional licenses for Singapore within MPI category
Planning and Strategy formalization for Eco system development
Achievements
Successfully applied for license (MAS)
Part of cross functional team for renewal of Hong Kong license
Successful implementation of profit optimization initiatives for own locations (WUGN)
Senior Manager - Networks Development – Singapore, Hong Kong & Macau
Western Union Financial Services HK Ltd.
Hong Kong SAR
06.2018 - 10.2022
Responsible for Networks and Product Management for WU Singapore, Hong Kong & Macau
Cost Optimization by effective commission negotiation and New Low-cost Partnerships
Working on various Projects as turnaround strategy for Singapore, Hong Kong & Macau
Managing a team of 100+ outsourced employees, 70+ On roll employees managing 150+ locations
Sign up and establish relationship with FI’s (B2B) for additional revenue stream, through customized offerings.
Achievements
Renewed Existing Contract & New partnerships with commissions savings of 180K USD
Launched 1st Live Wallet as funds in to WU Digital along with APN to Indonesia & Bank Transfer
Expanded Product portfolio with New products (Both Digital & Retail) - eKYC, Hi Band
Launched Successful Go to Market strategies and campaigns to acquire, retain and win back customers
Managing Key Partnerships and successful Renewal through Tender Process - HK Post
Manager Business Development – North India
Western Union Services India Pvt. Ltd.
Gurgaon, India
11.2014 - 06.2018
Responsible for New Signups and optimization of operational cost
Growing Market Share with various Marketing initiatives and Execution
Key Accounts Management at country Level – India Post & TCIL (Ebix Cash)
Coordinating Launch of New initiatives- ABMT with Airtel Payment Bank
Part of Cross functional Project Management team – Leading Change
Achievements
Signed up New PA & Renewals with commissions savings of 400K USD (Competition take away)
Won Best Project award in “WU Way – Customer Journey” for South East Asia Region
Launched 1 new Partners – Competition take away to create an Agnostic Network
Successful renewal and relationship with Largest Postal Network across the Globe (India Post)
Area Manager – Marketing & Sales
Idea Cellular Ltd.
Mumbai, India
08.2012 - 08.2014
Responsible for driving business of 13 Mn $ through 2K retail network
Grow CMS & RMS – Market Leader & Grew revenue by 5K USD by reducing LUT
Achievements
Won Best ASM Award in National contest under Data League Championship
2 times recipient of Idea Star Award for significant contribution to business
Business Development Manager
Western Union Services India Pvt. Ltd.
Patna, India
09.2010 - 08.2012
Driving business of 31 Mn USD from 5K+ Retail Network including Bihar & Jharkhand state.
Managing a team of 50 PA employees
Driving WU India’s growth by being the fastest growing state (+12%)
Achievement
Awarded Best BDM for July 11
Overtook Bihar Market post 1 Mn USD Revenue mark
Won WU&YOU Event in Kathmandu
AM Sales & Marketing – Part of New Roll out team
Aircel Ltd
01.2008 - 01.2010
ASM (WIMAX Launch) – Part of New Launch initiative
TATA Communications
01.2007 - 01.2008
ASM (Sales & New Initiatives) – Part of successful launch
Idea Cellular Ltd.
01.2006 - 01.2007
TSM (Sales & Rural Marketing) – Part of Grand Roll out and Rural Pilot
Bharti (Airtel)
01.2004 - 01.2006
Education
The Chicago Booth Accelerated Development Program -
University of Chicago Booth School of Business
Chicago, IL
01.2018
PGDM - Marketing & Operations
Amity Business School
01.2004
B.E - Electronics
Nagpur University
01.2001
12th (CBSE) - undefined
Delhi Public School
01.1996
10th (CBSE) - undefined
Delhi Public School
01.1994
Skills
Commercial & networks director at Lightnet Singapore Pte Ltd– Global
Business Lead for Western Union – Singapore, Hong Kong and Macau
Change management
Devise and implement Successful Strategies for turnaround of business
Business development
Leading a USD 750 Million principal outflow from 150 network mix & Digital initiatives
Leading cost optimization initiatives, new sign ups and digital partnerships to increase Market Share
Saved 530K USD in cost optimization
Adding innovative channels to cover spectrum of offers as part of Customer First Strategy
Partnered with leading wallet player and banks across region as part of FI connect initiative (B2B Sales)
Relationship building
Strategic planning
Decision-making
Certification
Fintech – Harvard University (VPAL – Online)
Reiki – Level 1 & 2
Accomplishments
India’s Best ASM - Data League Contest – Highest Revenue growth & Penetration
Several Star awards for significant contribution to Business (Growth)
Best Project on WU Way (Group Project) for South East Region
State Level Karate Champion
Turnaround Specialist – Hong Kong Business
Launched 1st Live Wallet as funds in & eKYC for digital Hong Kong
Practising Reiki and Yoga
Self Motivation by Self Reiki practise and Self hypnotism.
Love Traveling
Meeting new people
Languages
English
Bilingual or Proficient (C2)
Hindi
Bilingual or Proficient (C2)
Timeline
Director Global Commercial & Network Expansion – Global Market
Lightnet Singapore Pte. Ltd
03.2023 - Current
Country Lead – Business Development – Singapore, Hong Kong & Macau
Western Union Financial Services Singapore Ltd.
10.2022 - 03.2023
Senior Manager - Networks Development – Singapore, Hong Kong & Macau
Western Union Financial Services HK Ltd.
06.2018 - 10.2022
Manager Business Development – North India
Western Union Services India Pvt. Ltd.
11.2014 - 06.2018
Area Manager – Marketing & Sales
Idea Cellular Ltd.
08.2012 - 08.2014
Business Development Manager
Western Union Services India Pvt. Ltd.
09.2010 - 08.2012
AM Sales & Marketing – Part of New Roll out team
Aircel Ltd
01.2008 - 01.2010
ASM (WIMAX Launch) – Part of New Launch initiative
TATA Communications
01.2007 - 01.2008
ASM (Sales & New Initiatives) – Part of successful launch
Idea Cellular Ltd.
01.2006 - 01.2007
TSM (Sales & Rural Marketing) – Part of Grand Roll out and Rural Pilot
Bharti (Airtel)
01.2004 - 01.2006
PGDM - Marketing & Operations
Amity Business School
B.E - Electronics
Nagpur University
12th (CBSE) - undefined
Delhi Public School
10th (CBSE) - undefined
Delhi Public School
The Chicago Booth Accelerated Development Program -
<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.