Kumar Aayush
Partnerships & Alliances Manager | Fintech & NBFC | Co-Lending, BNPL & Embedded Finance | MSME Credit Ecosystems
- Role
- Credit and Payments at Flipkart
- Location
- Mumbai, MH, IN
- LinkedIn followers
- 500 followers
About Kumar Aayush
I work at the intersection of credit, partnerships, and embedded finance, building…
Experience
Credit and Payments
Dec 2024 — Present · Bengaluru, IN
Driving GMV Growth: Leverage BNPL services to increase GMV on the platform by enabling more customers and businesses to access flexible financing solutions.Customer Experience: Enhance the BNPL customer journey by collaborating with cross-functional teams (product, tech, finance, and sales) to deliver a seamless experience.Partner Collaboration: Work closely with NBFCs, banks, and fintech partners to manage credit lines, maintain SLAs, and optimize integration performance.Data Analysis & Insights: Track and analyze key credit metrics, including utilization rates, repayment patterns, DPD (Days Past Due), and delinquency trends, to identify areas for improvement.Operations Management: Oversee day-to-day operations of the BNPL product, including credit disbursement, repayment tracking, and reconciliation, ensuring smooth and efficient workflows.Process Improvement: Identify operational bottlenecks and implement process enhancements or automation to boost efficiency and scalability.Customer Support: Resolve customer issues related to BNPL usage, repayments, and limits by coordinating with support and finance teams.Training & Education: Conduct regular training sessions for field sales teams on BNPL features, eligibility criteria, and customer education initiatives.Fraud Monitoring & Compliance: Monitor fraud indicators and ensure adherence to internal credit policies and regulatory standards.Audit & Reporting: Support internal and external audits, ensuring accurate documentation and compliance with regulatory reporting requirements.
Education
Birla Institute of Technology, Mesra
Bachelor's degree
2015 — 2019
ITM Group of Institutions
Master's degree
2020 — 2022
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