Anupam Shukla

About Anupam Shukla

Enterprise BFSI & fintech leader with ~15 years of experience owning P&L, scaling Cr annual business throughput, and building digital lending, payments, and cross-sell engines across banks, NBFCs, and large consumer platforms.I specialize in end-to-end business ownership — spanning growth strategy, product programs, lifecycle monetization, operations, analytics, risk governance, and regulatory readiness — operating at the intersection of strategy, data, risk, and execution in highly regulated environments.Across roles at Paytm, Kotak Mahindra Bank, Bajaj Finance, Capgemini, HDFC Bank and Citibank, I have:• Owned and scaled ₹900+ Cr monthly disbursements across digital and assisted channels• Built multi-lender, multi-partner programs with embedded credit policy, pricing, AML/KYC, and risk controls• Led P&L, revenue, cost, and portfolio performance across lending, cards, payments, insurance, and investments• Scaled centralized operations and governance frameworks (SOPs, SLAs, KPIs, OKRs, MBRs) across large teams• Delivered AI-led automation and straight-through processing, reducing TATs by up to 76% and unit costs by 30%+• Led RBI inspections, partner audits, and governance forums with zero material observationsI bring deep experience in digital lending journeys, cross-sell monetization, campaign & lifecycle analytics, risk-aligned growth, and operations transformation, with a proven track record of scaling 0→1 and 10→100 initiatives across complex organizations.Strength areas:P&L Ownership | Digital Lending & Payments | Growth & Monetization | Risk & Controls | AML/KYC | Operations & Governance | Analytics & MIS | Fintech & Banking TransformationOpen to Director / SVP / General Manager roles across banks, Big 4 advisory, and PE-backed fintechs where scale, governance, and execution excellence matter.

Experience

1. General Manager (Business Lead) - Payments Cross Sell Programs & Alliances

   Paytm

   Jan 2025 — Present · Pune, IN

   Owned cross-sell monetization P&L across large consumer digital platforms, scaling lending, banking, insurance, and investment products through digital and offline funnels.• Delivered category-leading monthly throughput, driving ₹900+ Cr disbursements/month, onboarding active CAs/intermediaries, issuing cards/month, generating ₹1+ Cr monthly insurance GMV, and achieving double-digit MoM growth in investment adoption.• Built and scaled multi-lender digital programs (Yes Bank, RBL Bank, SFMG, Tata Capital, Poonawalla, and Royal Sundaram) reducing partner launch timelines by 30–40%, improving approval rates by 8–12%, and diversifying credit risk.• Optimized acquisition and cross-sell funnels using advanced analytics, reducing drop-offs by ~24%, improving conversion rates by ~1.2x, lowering COA by 16%+, and increasing customer LTV by ~32%.• Institutionalized executive operating cadence via real-time dashboards, MBRs, and OKR-linked reviews, enabling weekly decision cycles,>95% metric visibility, and predictable delivery against quarterly and annual business plans.• Led and scaled cross-functional leadership teams of 50+ members across product, tech, risk, ops, analytics, and partnerships, building repeatable digital growth engines.

Education

• Lucknow University

  Master of Commerce (M.Com.), Commerce

  2007 — 2009

• Lucknow University

  Bachelor of Commerce (B.Com.), Commerce

  2004 — 2007

• Air Force School Bamrauli Prayagraj

  Secondary School, General Studies

• Alliance University

  Master of Business Administration (MBA), Finance and Financial Management Services

  2011 — 2013

• Bal Vidya Mandir, Sr. Sec. School, Lucknow

  Higher Secondary, International Business/Trade/Commerce

Skills

• Time Management
• Credit Risk
• Management
• Managerial Finance
• English
• Teamwork
• Banking
• Risk Management
• Team Management
• Corporate Finance
• Derivatives
• Financial Analysis
• Human Resources
• Microsoft Word
• Team Leadership
• Business Development
• Data Analysis
• Inventory Management
• Commercial Banking
• Powerpoint
• Microsoft Excel
• Relationship Management
• Social Networking
• Analytics
• Marketing Research
• Credit Analysis
• Portfolio Management
• Budgets
• Finance
• Accounting
• Credit
• Research
• Financial Modeling
• Business Analysis
• Public Speaking
• Analysis
• Capital Markets
• Windows
• Cross Selling
• Financial Services