Gaurav Aggarwal

VP - Sales

Role: Vice President at novio
Location: Gurugram, HR, IN
LinkedIn followers: 500 followers

General Business & ManagementView LinkedIn profile

About Gaurav Aggarwal

PROFESSIONAL PROFILE A result oriented professional with around 15 years of extensive…

Experience

Vice President
novio
Mar 2024 — Present · IN

Skills

Strategy
Business Relationship Management
Portfolio Management
Loans
Sales
Retail Banking
Business Strategy
Banking
Risk Management
Team Management
Recruiting
Relationship Management
Branch Banking
Credit Cards
Credit Risk
Business Development
Management
Cross Selling
Crm
Sales Management
Business Analysis
Credit
Mis
Customer Service
Training

Contact information

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Current company

novio

Financial Services · 204 employees · Mumbai, Maharashtra, India

In India, while 45 crore+ people use UPI, less than 5 crore have a credit card. For many early jobbers, self-employed people, students, gig workers, and freelancers, getting a credit card still feels out of reach, not because they lack financial discipline, but because the system was never built for them. Traditional credit systems still depend on income proof, credit history, and strict eligibility checks, making it difficult for many deserving people to get a credit card. At novio, we believe credit should be simple, inclusive, and built for the way India already pays, through UPI. That’s why we offer a smarter solution: a premium RuPay credit card backed by a Fixed Deposit. Users can open a small Fixed Deposit through the novio app and get their credit card within hours, with no income proof, no prior credit history, and no complicated approval process. The card can be linked instantly to UPI for seamless payments, while the Fixed Deposit continues earning up to 7% annual interest. Along with easy access to credit, novio offers a complete payments and rewards ecosystem: UPI payments, 10% rewards, airport lounge access, discounted travel bookings, free movie tickets, and instant rewards redemption on top brands — everything in one app. At novio, we are not just helping people get credit cards, we are helping them build stronger credit profiles, financial confidence, and long-term financial growth.

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About Gaurav Aggarwal

Experience

Vice President

Skills

Find verified contacts for anyone on LinkedIn