Kritika Dukia
Senior Associate @Hero FinCorp
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WORK HISTORY
Senior Associate @Hero FinCorp
Gurugram, IN
I work at the intersection of strategy, execution, and transformation in the CEO & MD’s Office at Hero FinCorp—contributing directly to enterprise-wide priorities and high-visibility mandates across business, credit, risk, operations, and technology.Lead and manage high-impact transformation programs across lending, distribution, and customer lifecycle, focused on accelerating digital and strategic initiatives.Drive cross-sell portfolio expansion through data-backed interventions, governance design, and CXO-aligned performance tracking.Collaborate closely with internal leaders to translate strategic goals into executable workstreams—leveraging agile practices and KPIs for accountability and velocity.Support profitability initiatives by aligning internal capabilities with AOP targets, market shifts, and operational efficiency levers.Enable adoption of AI-enabled lending journeys that enhance both customer experience and internal risk-assessment processes.Contribute to leadership reviews, Board-level discussions, and enterprise dashboards—ensuring decision-making is rooted in data and system thinking.
EDUCATION
Vellore Institute of Technology
Bachelor of Technology
Symbiosis International University
Master of Business Administration - MBA
Indian Institute of Management Ahmedabad
Executive MBA
SKILLS
ABOUT KRITIKA DUKIA
A dynamic and results-oriented Senior Associate and Strategy Consultant with 8+ years of cross-industry experience spanning Financial Services, SaaS, and Information Technology. I specialize in driving digital transformation and innovation across regulated markets by leveraging emerging technologies and data-driven frameworks. My core expertise lies at the intersection of business strategy, product lifecycle management, and operational excellence, with a focus on fintech ecosystems, embedded finance, and AI-enabled lending journeys tailored to enhance experiences for both customers and internal stakeholders. At Credflow, a fintech SaaS startup, I led the end-to-end scaling of \'Invoice Financing,\' built robust payment infrastructure, and streamlined automated workflows from customer onboarding to loan disbursal—boosting operational KPIs and reducing turnaround times. Previously at Mintifi, I developed and deployed supply chain financing solutions across multiple e-commerce platforms, built AI-driven credit risk models, and implemented centralized lending portals—improving partner engagement and credit performance. During my tenure at Lentra AI, I rolled out smart VKYC solutions, agile credit decisioning engines, and seamless digital onboarding journeys for banks and NBFCs, ensuring compliance and superior user experience. In addition to full-time roles, I’ve consulted on strategic initiatives for FMCG startups and enterprise data lake projects, supporting cross-functional data integration, business intelligence, and visualization frameworks. Currently, as part of the CEO’s Office at Hero FinCorp, I lead high-impact strategic transformation programs aimed at achieving sustainable business growth and operational excellence. With global experience in financial services and digital transformation, I work closely with CXOs and cross-functional teams to align corporate strategy with scalable execution. I leverage proven frameworks to optimize operating models, improve workforce productivity, and enable data-driven decision-making. My focus remains on meeting AOP targets and driving profitability through AI-enabled lending transformation. Core Competencies: Digital Transformation | Product Strategy | Fintech Innovation | AI-Enabled Lending Journeys | Embedded Finance | Agile & Lean Methodologies | Business Intelligence | Stakeholder Engagement | Cross-functional Leadership Industries: Management Consulting | Financial Services | Technology | Fintech | SaaS Author of Child of Paradox, blending human thinking with Mythology.
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