Vinay Kumar Singh

Experience

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  National Cadet Corps

  Jun 2010 - Jun 2012

  Senior Under Officer

  As a Senior Under Officer, responsible for organizing & developing cadets complete engagement over the period of 2 years at 3 UP ARMD SQN NCC BHU, Group HQ A. Our SQN was nominated as Best NCC SQN among all other NCC SQN falling under Group HQ A in Banaras Hindu University.

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  National Entrepreneurship Network

  Oct 2013 - Oct 2014

  E-Leader NEN @ ITM Business School

  During MBA Days on behalf of ITM Business School, represent college @ NEN, ( National Entrepreneurship Network) and was responsible for creating, managing & developing entrepreneurial ecosystem at ITM Campus.About NEN -NEN represents India’s largest and most dynamic community of new and future high-growth entrepreneurs, with over 70,000 members in 30 cities. It provides critical support to start-ups and early-stage entrepreneurs through high-impact entrepreneurship education; access to mentors and experts; fast-track access to incubation and funding; and learning tools and materials. It partners with over 470 top-tier academic institutes in India to help them develop vibrant entrepreneurship ecosystems on campus, which develop and support new and future entrepreneurs. Show less

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  KISSHT

  Aug 2014 - Jul 2019

  - Responsible for developing & optimizing different products portfolio in finance & insurance-tech for retail , franchisee , online & cross sell channel- Responsible for P&L and digital marketing for Kissht app, Web & alternate digital channels.- Responsible for new growth initiatives at Kissht which includes new product launch, up-sell & cross-sell, insurance, warranty etc. - Instrumental in conceptualizing India's 1st Scan & Pay credit wallet which aims at bringing convenience to retailers and customers during POS transaction. It aims's at reducing cost of risk and operation for fin-tech company, hassle-free borrowing for customer and higher conversions for Merchants.- Launched emi-fy, a machine learning initiatives which aims at establishing customer identity & financial status basis moment of truth from digital foot prints.- Responsible for key account management & BD- Launched Kissht2.O - Instant Credit at PoS via Scan & Pay later wallet+ Insurance + Credit life + Extended Warranty + Gadget Insurance + EMI card & many more features- Strategic Alliances with OEMs & Retail.- Marketing & Branding activity for offline & online- Launching insurance OnEMI is now Kissht Show less Placed at the intersection of being a Digital Marketeer & Product Manager, I am responsible for end to end digital lead initiatives at ONEMi ( Kissht.com, & erstwhile EMiBazaar ).Current responsibilities include -Product DevelopmentSEO for Kissht & its merchant partnersSEM campaigns for Kissht & its affiliate partnersDigital AnalyticsKissht App development & marketing ( Ranked 14th in finance category on Playstore )ORM Management Social Media MarketingMerchant Specific Campaigns ( Digital Promotions ) Show less Responsible for managing the Digital Initiatives at OnEMI.in, one of India's fastest growing and most uniquely positioned eCommerce placed at the intersection of being an e-Commerce and Consumer Finance Payment platform with a focus on selling Products & Services to customers on EMIs (Instalments).Before business pivot from EMiBazaar( e-Com Portal ) to OnEMI , Kissht ( Fintech Comp), I had designed SEO Architecture for our EMI centric online shopping portal - EMiBAzaar.com which is Google Search Engine Leader for all "EMI & Bajaj EMI card Shopping" centric online searches/intent ( April 2015 till date ).As a digital cop at OnEMI, managed various aspects of digital marketing & research which includes SEO, SEM, Web Analytics,UI/UX Research & devlopment, E-Mail Marketing, Reputation Management and Digital Product – Development, Evaluation, Evolution & Optimization.Set up digital strategy, processes and goals for product evolution & key digital initiatives which includes --Brand management, media planning & buying, direct marketing, budgeting & forecasting, Digital Research-Identifying & Acquiring hot prospect's across categories-Generating pre approved credit wallet customers through various online channels-Generating Merchants lead from organic as well as inorganic digital channel's-Generating loan throughput through cost effective channels-Keeping tab on digital movement's in Fintech World thus helping in product evolution as per marketing synergies-Creating ONEMi as a Search Engine Leader for EMI centric non credit card Searches.-Analysing & Optimising Consumer Experience from our Merchant partners & our B2C portals-Identifying & on-boarding key public digital foot prints API available for better credit decision-UI/UX Design for our Consumer & Merchant Portal & AppWorking closely with the Business Head, Venture Capitalist & Board to strengthen our footprints on Financiers, Business development & Optimised Operations front. Show less

  • Head - Products, Strategic tie-up @ Kissht ( OnEMI ), Co-founding team member

    Apr 2017 - Jul 2019

  • Manager Digital Initiatives @ OnEMI (Kissht )

    Jul 2016 - Mar 2017

  • Assistant Manager Digital Marketing @ OnEMI ( now Kissht )

    Nov 2014 - Jun 2016

  • Digital Analytics Intern @ OnEMI ( now Kissht)

    Aug 2014 - Oct 2014
• 

  Aditya Birla Finance Limited

  Jul 2019 - Mar 2021

  Head - Digital Lending Products & PMO

  - Founding team key member for EMI solutions business launched in ABFL digital vertical.- Headed and launched the integrated top-up & xsell platform for digital vertical and scaled this up for customers acquired under Aditya Birla Capital level.- P&L owner of top-up/xsell for digital lending.- Built KYC stacks and nach instrument reusability capability.- PMO

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  IDFC FIRST Bank

  Mar 2021 - now

  Key Achievements:Scalable API Stack: Developed an API-driven stack with a proven track record of high performance, ensuring seamless onboarding and servicing with zero manual interventions.Fraud Prevention: Built future-ready systems designed to prevent fraud and ensure near-zero leakages, particularly in preventing mule bank accounts and account takeovers.Compliance-First Approach: Created a robust compliance-first stack that keeps pace with the evolving digital lending landscape, integrating KYC, AML, and DLG guidelines to safeguard both businesses and customers.Real-Time Monitoring: Developed a system for real-time tracking of loan journeys, ensuring that each process is profitable with optimized unit economics.CERSAI reporting: Built systems & processes around CERSAI reporting for the Bank.End-to-End Compliance: Responsible for overseeing compliance across all data points, documents, SOPs, and audits, ensuring adherence to operational, customer service, and regulatory standards.Innovative Lending Solutions: Built a mutual fund-based loan application system, enabling new avenues for secure lending.MSME Stack: Led the development of an MSME-focused lending stack, empowering small and medium enterprises with accessible, compliant, and efficient financing options. Show less

  • Product Head - Digital Lending ( Bank's Native Journey - NTB )

    Nov 2024 - now

  • Vice President & Product Leader - Digital Lending, Consumer Loans

    Mar 2021 - Nov 2024