Manish Sharma

About Manish Sharma

I build and scale digital lending businesses.Over the past decade, I\'ve owned end-to-end P&L across multi-lender platforms, fintech marketplaces, and capital markets firms - growing portfolios from ground zero through strategic NBFC and bank partnerships.My work sits at the intersection of credit, product, and data- Launching AI-driven loan recommendation engines that significantly cut lead-to-disbursal turnaround- Building omnichannel retargeting journeys that meaningfully lift conversion rates- Scaling pre-approved loan products that drive step-change growth in monthly disbursals- Reducing portfolio delinquency through automated rule-based lender reroutingBefore fintech, I spent nearly three years in NRI and international banking at ICICI Bank - building cross-border acquisition programs and driving significant CASA deposit growth across global markets.I\'ve led digital revenue at 5paisa Capital, managed NRI digital channels at Kotak Securities, and currently head the personal loan fintech vertical at Moneycontrol - one of India\'s largest financial media and services platforms.Core strengths: P&L ownership, fintech partnerships, data-driven decisioning, multi-lender platform architecture, and customer lifecycle strategy.

Experience

1. Digital Revenue Lead

   moneycontrol.com

   Feb 2024 — Present

   Owning end-to-end P&L for Moneycontrol\'s multi-lender digital lending marketplace - built the platform from ground zero through strategic NBFC and bank partnerships.Key contributions- Built the multi-lender lending platform from zero to one through strategic NBFC and bank partnerships across India\'s fintech ecosystem- Launched an AI-driven loan recommendation engine using behavioral and credit signals - significantly reduced lead-to-disbursal TAT and improved unit economics- Designed an automated omnichannel drop-off retargeting journey via CleverTap - delivered a step-change improvement in conversion rates across all digital channels- Developed and scaled a pre-approved loan offering that resulted in multi-fold growth in monthly disbursals and conversion rates- Implemented rule-based automated lender rerouting for high-risk profiles - meaningfully reduced portfolio delinquency across key lending partners

Education

• National Institute of Technology Surat

  Bachelor of Technology (BTech), Chemical Engineering

  2009 — 2013

• Symbiosis Institute of Business Management, Pune

  Master of Business Administration (MBA), Marketing

  2016 — 2018

Skills

• Process Engineering
• C++
• Teamwork
• Oil & Gas
• Microsoft Word
• Chemical Engineering
• C
• Microsoft Office
• Sales
• Marketing
• Project Management
• Aspen Hysys
• Aspen Plus
• Digital Marketing
• Aspen Flare System Analyser
• General Management
• Manufacturing
• Microsoft Excel
• Marketing Strategy
• Engineering
• Chemistry
• Htri Software