Pratekk Agarwaal

Startup Advisor | Operator | Angel Investor | Ex CBO-BharatPe , ftcash , Bajaj Finserv | Fintech Lending & Payments | IIM-K Alumni - Helping Founders build successful ,scalable businesses

Mumbai, IN

How does this work?

A Passionate Intrapreneur and Fintech Expert with over 18 years of multi Industry expertise in setting up successful businesses from scratch to scale with focus on Financial Services domain. Held key positions with Leading Fintech and NBFCs like Bajaj Finserv / Bajaj Finance , Fullerton ,Selfin , IndoStar Capital , ftcash and BharatPe Actively working with startups , NBFCs , VCs as an Advisor / Operator Advisor/ Business Consultant to help promising products and founders scale (from 4 to 10 ) and accelerate GTM by 4X Leveraging deep network in the Financial Services , Payments , Insurance , Fintech ecosystems, FMCG , Pharma and IIMK Alumi network for hiring , generating Demand and Supply ( Equity and Debt) Ground up understanding of the Fintech , NBFC , Insurance , Financial Inclusion , Agritech businesses with Sr roles managing Sales , Product , GTM ,Partnerships , Risk , Compliance and collection teams. Was the Director for the NBFC licence process with RBI @ BharatPe Launched and managed products covering secured - LAP , unsecured lending - Consumer Lending , MSME , SMB, SME lending , Merchant Cash Advance -MCA , POS , Supply Chain Finance and Invoice finance across Rural and Urban customer segments. Experience in deployment of financial products that leverages technology to make lending quick and seamless . I have been on the other side of the business aswell which helps me in altering the GTM strategy to make the product more successful and increase market penetration in the small ticket, high yielding product segment by building a team of experienced individuals and using new age technology I enjoy speaking at various platforms , conferences and Masterclasses on my favourite topics that include Digital Lending , financial services , fintech ecosystem , customer experience and my own life journey . Academically a Computer Engineer , Post Graduate in Marketing and an Alumni of the IIM–Kozhikode. Reach out to talk more about , Digital Lending , Fintech Ecosystem , Go To Market and Growth Strategy : I’m on

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Salesforce CRM
Work experience

Dec 2020 - Present


Advisor & Mentor

Working with Fundvice team and the portfolio startups as an Advisor and Mentor . Fundvice is building an ecosystem of Investors which not only brings capital but also the experience and expertise of the domain. For startups , this engagement can take many forms beyond capital; like the business models, implement scale through partnerships, and share our experiences in developing world-class brands.

Jun 2020 - Present

Trutes Advisors

Founder & Chief Advisor

Trutes Advisors is a boutique business advisory firm with primary focus on Fintech & Digital Lending Sart-ups and NBFC ecosystem in India : The firm helps Startup entrepreneurs & NBFCs leap the Go-To-Market with curated & bespoke strategies on : • Go-to-market and growth strategies around demand , underwriting and supply side • Business models on digital lending portfolio, product mix , tech systems and scorecards • Alliances & Partnerships with Fintech’s, Banks, NBFCs & Insurance co’s • Growth hacking, marketplace & scaleup • Product validation, CX strategy, hiring right talent • NBFC filing , P&L & fund raise • Angel Investment and Operator VC role

Jun 2019 - Present

Angel Investor

Angel Investor & Advisor

I actively Invest & advise promising start-ups & work with founders on getting the product and GTM right for the scaleup . This is primarily via references , VCs , PEs & funds : • Current investments include, fintech marketplace, Lending & payments Apps , Insurance , underwriting platforms & Cloud Kitchens • Goal is to help entrepreneurs leverage my experience and industry network to achieve faster and precise Go-To-Market • Advise on Product validation, GTM strategy, growth hacking, hiring right talent for the right job • P&L , Banking /NBFC connect & fund raise • Plan an active Operator VC role


May 2019 - May 2020


Chief Business Officer-Lending

Built the digitally enabled Lending business and Financial Services ecosystem for the largest offline merchant’s network in India • Strategic Partnerships and Alliances with Banks , NBFCs , Fintechs & Anchors • Leading the NBFC License process with RBI as Director • Product, GTM strategy & Portfolio Management


Aug 2017 - Apr 2019


Business Head - Lending

Built the lending business of ftcash from scratch to scale on top of the existing payments business. - As part of the management team , closely work with founders to deliver the strategic objectives - Partnerships and Alliances with Banks ,NBFCs and FIntechs - Lending org structure , Training and Recruitment - Setup and Lead the Sales , Credit Risk and Collections - Policy mapping and SOP implementation - Build scalable products with P&L responsibility - Alternative (scorecard ) Credit Underwriting - Tech Innovations and Digital first - Products ( Unsecured , Invoice Discounting , LAP , MCA ) with Direct Sales (DST) , DSA - Financial Inclusion - Customer Experience at the core

Dec 2016 - Jul 2017

SelFin India ( Fintech Startup focusing on Wealth , Insurance & Lending)

Entrepreneur - Co Founder & CEO

The Fintech Startup was a diversified digital enterprise to venture into unique hybrid Digital lending model , Digital Insurance distribution and real estate social networking portal As Co-Founder & CEO , I was responsible for leading the overall business strategy , banking and Insurance alliances , developing the simplest yet intelligent tech platform for B2B and B2C coupled with various Customer centric initiatives.

Aug 2015 - Nov 2016

IndoStar Capital Finance Ltd.

Vice President & Head - Product

- Develop and drive capabilities creation, Insurance sales within Secured and unsecured products - Identify opportunities and facilitate good governance, policy changes and cross functional alignment across all departments and customer lifecycle - Develop and manage the fintech engagement initiatives with internal and external customers - Develop CRM capabilities for customers and Channel for seamless Customer Experience - Lead the end to end Direct Sales and Digital strategy for IndoStar Capital - Work along with digital agencies to deliver the SEO, SEM, SMM and other tools to drive campaigns , traffic along with Analytics & Tracking & reporting


May 2012 - Jul 2015


Customer Experience Lead- India

- Conceptualized and Implemented one of the best known channel loyalty program (Pragati & Samman) for over 25k partners across India - Implemented Customer Experience and supply chain frameworks to drive business quality and business growth - Understand , Design and implement relationship strategies among Channel and customers to create inclusive growth for all - financial inclusion - Lead the overall Market Research , Loyalty and Operation teams - Identify and facilitate the Implementation of CRM and Market Insights platforms using the emerging customer service trends across the globe

Jul 2009 - May 2012

Bajaj Finserv Lending

Sr Manager- Customer Experience - India

- Setup the Customer Experience Model and framework for Bajaj Finance across business lines and strive to set benchmark in the finance industry - Drive Customer Experience teams to meet the SLAs and resolve over 30,000 queries across states - Monitor teams across online , offline , branch and Contact Center channels and ensure standardard communication and experience - Lead the automation and self service initiatives by identifying the opportunities at various touch points - Motivate the teams across to think out of the box and involving them in improving processes - Present the monthly business reviews to the leadership team and investors

Oct 2007 - Jun 2009

Fullerton India Credit Company Ltd.

Manager- Alternate Channel -India

Setup the customer service and experience model for India business , accessible at more than 850 branches across business lines.

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