The Future of Digital Lending: Growth and Risk

Q1. Could you start by giving us a brief overview of your professional background, particularly focusing on your expertise in the industry?

I’ve spent over two decades working at the intersection of lending, insurance, and digital platforms, with a strong focus on building businesses that strike a balance between growth and risk discipline. A significant part of my journey was with Bajaj Finance and Bajaj Finserv, where I helped establish and scale multiple verticals, including consumer loans, SME lending, unsecured loans, mobile and lifestyle financing, and insurance cross-selling. These were businesses I took from concept stage to profitability, often building the technology backbone, distribution networks, and risk frameworks from scratch.

I’ve always been passionate about using technology to build smarter lending models — whether it was setting up digital marketplaces, creating data-led cross-sell strategies, or embedding credit into broader consumption journeys. Today, at Dotpe, I’m leading efforts to build a digital-first lending and insurance platform that partners with multiple lenders, and I’m working on shaping its NBFC vision for the future.

What has been consistent throughout my career is a focus on sustainable growth: businesses that are not only scalable but also built on strong foundations of risk management, compliance,…