Kaleidofin Reviews by Employees

Software Development Engineer

Cluster Manager

As part of Platform Catalysts Team, you will be responsible for ensuring the company is appropriately and strategically positioned with large banks, NBFCs and other financial institutions to on-board them as partners for risk infrastructure products- ki score and ki view and several other cutting- edge credit risk offerings that Kaleidofin continues to create. In this role, you will be reporting to the Executive Vice President. The position requires you to understand credit risk and appropriately and create market for AI/ML credit models and risk management tools through, excellent communication, interpersonal skills to on-board high-quality banks and NBFC. The key responsibilities for the position are: - Responsible for on-boarding and managing Lender Partners-Banks, NBFCs etc. for credit risk infrastructure solutions. - Develop a robust lender relations coverage strategy including creating need-based product sales plan for Kaleidofin risk infrastructure platform solutions - Achieve revenue targets. - Create and manage a strong reputation by demonstrating consistent and clear communication between internal and external parties. - Responsible for creating awareness about the company and amongst the banking and other lender/investor community, as a market making activity. - Responsible for preparation of reports on the company's profile and performance and other marketing material and presenting it to the company's current and potential future partners. - Provide insights on market activity and present to the leadership team. - Analyse and present financial trends, competitors' behaviour and anything else that could impact the business. - The candidate will be suitably well versed with the appropriate information security responsibilities for the role and is responsible for adhering to them. Who you need to be? The person needs to be passionate about financial inclusion and empowering the informal segment. You should also be an eager learner with high aptitude to understand AI/ML data models sales processes, risk management tools with ability to introduce, sell and manage prospects through a need based selling process. Interest in offering cutting edge risk management solutions in generating business results for the financial institutions, an effective collaborator to work with cross teams including other colleagues in Platform Catalysts team, Data science and risk teams as well as similar counter parties with lender partner prospects At Kaleidofin, one needs to be initiative oriented with abilities to work and achieve objectives and key results independently. Success in this role requires independence, collaboration, communication, leadership, and vision. - A Master's degree in business, finance, or accounting - A CA or CFA certification is an asset. - Min 5 years of experience as a Technical Presales Specialist dealing with lender/investors and a strong track record of creating positive relations with the lender/Banks/NBFCs partner community. - Thorough understanding of key credit risk metrics including knowledge and understanding of credit products; knowledge and understanding of debt capital Platform Catalysts will be handy as well. - A strong understanding of macroeconomics and good understanding of capital Platform Catalysts trends, competitor activities, industry dynamics, and customer trends - A professional who is also entrepreneurial and has a client focused problem-solving skills. - 60% of your job profile will entail travel - Has superb written and verbal communication skills, as well as the ability to draft engaging and impactful messages for inspiring clients as well as internal stakeholders. Job location - Mumbai (remote) / Delhi (remote) / Chennai;

Delhi NCR

Bangalore

Chennai

Manager - Risk Infrastructure Products (2-5 yrs)

Who we are ? Kaleidofin is a fintech focused on the mission to build a digital ecosystem ensuring finance for everyone, everywhere. We provide the ki credit platform, combining credit health assessment (ki score), middleware rails and best-in-class risk management (ki view) to enable the financial ecosystem to serve customers better. Via credit health scores for impactful finance and innovative debt structures to scale, Kaleidofin is driving towards its goal to unlock access to tailored finance for women, agri and nano entrepreneurs - in India, Bangladesh and East Africa and expanding. The platform has unlocked debt capital of cumulatively more than USD 3 billion for more than 5 million customers and small enterprises working in the informal economy. Over the years, Kaleidofin has raised capital of USD 37 million from marquee investors, including Rabo Partnerships, the Bill & Melinda Gates Foundation, the Michael & Susan Dell Foundation, Oiko Credit, Flourish, Omidyar Network, Blume Ventures, and Bharat Fund, who share our commitment to financial inclusion and impact. Kaleidofin has received exceptional international recognition in being featured as one of only six Indian companies on the Forbes 100 To Watch in Asia list and in being selected to present at the United Nations General Assembly Special Task Force. The company won Amazon AI Conclave award for Fintech, was one of only ten startups chosen for Google LaunchPad Accelerator program in 2019 and was recognized as India's Most Innovative Wealth, Asset and Investment Management Service/Product by IAMAI. Kaleidofin won the Swanari TechSprint 2023 organized by the RBI Innovation Hub, was recognized as a finalist in IFTA 2023 for 'Best Use of AI in Fintech', as a finalist at the prestigious Global SME Finance Awards 2024 hosted by the SME Finance Forum and IFC and as a finalist at the prestigious G20 TechSprint 2024 - Technology for the Planet. Kaleidofin aims to become a leading player in enabling finance for everyone, everywhere. We also invest in culture and team growth, reflective in our selection as a Great Place to Work for multiple years. What you'll do ? This full-time position presents a unique opportunity for ambitious individuals to gain hands-on experience in two key areas: Emerging Markets and the Founders' Office. You will work closely with senior management and contribute to high-impact projects, from market entry research to operational excellence initiatives. This role offers exposure to cross-functional collaboration, and real world problem-solving, equipping you with the skills needed to excel in the fintech and financial services industries. 1. Emerging Markets Research : - Conduct thorough market research and analysis on financial inclusion trends, competitors, and regulatory landscapes in Kenya and East Africa where we want to initiate our expansion. - Develop actionable insights and strategic recommendations to inform Kaleidofin's market entry and expansion plans. 2. Debt Capital Markets : - Bond Issuances: Assist in gathering data and preparing reports related to bond issuances, learning about market trends and transaction processes. - Market Research: Conduct research on centralized bond markets and emerging financing techniques to support strategic decision-making. - Structured Finance Learning: Assist senior team members with developing financial models, gaining exposure to structured finance transactions 3. Align with Ki Credit Platform : - Support senior managers in integrating selected originators into the Ki Credit debt capital markets platform. - Assist in preparing materials and demonstrations of the platform's capabilities for potential clients. 4. Strategic Project Management: - Collaborate with the Founders' Office on mission-critical projects, including market expansion, and partnership evaluation. - Prepare detailed reports, presentations, and models that will be presented to internal and external stakeholders. 5. Cross-functional Coordination: - Work with teams across product, finance, and business development to ensure smooth execution of strategic initiatives. - Monitor and report on key project milestones, risks, and outcomes - The candidate will be suitably well versed with the appropriate information security responsibilities for the role and is responsible for adhering to them. Who you need to be ? - Management graduates from a premier B-school or holding a postgraduate degree in finance. - At least 3-5 years of relevant work experience - Must have prior exposure to business/financial analysis, business valuations, projects/program management. - Prior experience of working in a Fintech firm, Investment Banking or Consulting firms is preferred. Interest/knowledge of the fintech industry and financial inclusion initiatives would be an added advantage. - Strong analytical and quantitative skills with a keen attention to detail. - Excellent verbal and written communication abilities, with experience preparing reports and presentations. - Ability to thrive in a dynamic, entrepreneurial environment where strategic thinking and initiative is valued. - A deep interest in economics, fintech, financial inclusion, and emerging markets. - This role is based in Chennai but requires at least 20% travel. We are looking for candidates to be open to travel to Kenya and other parts of East Africa on a need basis.

Kaleidofin - Senior Associate - Emerging Markets - IIM/FMS/MDI/XLRI (3-6 yrs)

Job Description: - Manage a team of partner growth managers across the region and shall be responsible for prospecting and sourcing suitable business partners who shall originate business through the Kaleidofin platform for associate lender partners. - Conduct a field due diligence of these partners, guide the team to prepare credit notes to present to the credit committee within expected timelines. - Build and manage the business pipeline for high growth and scale on the platform. - Support Process Excellence team, Credit team in day to day functions wherever needed. - Manage the portfolio of the regions and enforce commercially agreed terms and ensure compliance to the company policies and regulatory guidelines. - Assist in the cross sell of the company's products and contribute to the company's profitability and growth. Who you need to be? - Thisi is a challenging opportunity for financial services market professionals to play a pivotal role in Kaleidofin's journey in achieving its mission to propel the informal banking segment in achieving their financial goals. - Be an out of the box thinker. - Have an ability to continuously look for blockers and figure out ways to remove them. - Wear the hats of Risk, Compliance, Operations with ease, drive business and take decisions always keeping this balance. - A Senior who is willing to take responsibility and ownership of the business targets and the team and deliver. - A Senior who celebrates the success of each team member and is a mentor and guide to bring out the best in each team member. - A good communicator with negotiation and conviction skills with an ability to continuously engage with business partners in order to create a win-win and build the business. - A collaborator who will be able to work across cross- functional teams within Kaleidofin and with the business partners / their vendors to drive business. Qualifications & Experience: - Graduate / Post Graduate / Professional qualification - Minimum 15 years work experience in the financial services sector - Connects at senior level in the NBFC sector - Good understanding of NBFC's and their business models - Background / basic understanding retail lending and related processes - Basic understanding of financial reports of financial institutions - Adequate understanding of RBI Guidelines related to - lending, third party outsourcing, NBFC's related guidelines, Business Correspondent / Co lending business. Basic understanding of the securitization / direct assignment and related regulations Job location: Chennai

Kaleidofin - Senior Manager - Alliances & Partnerships (5-10 yrs)

Who we are: Kaleidofin Capital Pvt Ltd (KCPL), incorporated on March 19, 2021, is a prominent Non-Banking Financial Company (NBFC) focused on delivering innovative credit solutions to underserved communities often overlooked by traditional financial institutions. KCPL, a wholly owned subsidiary of Kaleidofin Pvt Ltd, operates as part of a larger fintech ecosystem dedicated to providing comprehensive, customer-centric financial services. With a mission to enhance financial inclusion, KCPL specializes in retail lending through partnerships with Business Correspondents (BC), targeting both individual and Micro, Small, and Medium Enterprise (MSME) customers. KCPL received its NBFC certification in 2022, officially authorizing it to conduct lending activities. Since then, the company has expanded its operations to over 437 districts across 12+ states in India, leveraging Kaleidofin's established presence in these regions. This extensive reach allows KCPL to make a substantial impact in rural and semi-urban regions, effectively bridging the financial services gap for informal and small-scale businesses. KCPL uses cutting-edge technology and data analytics to create personalized financial plans that align with customer goals. Utilizing the proprietary "ki score" - an advanced supervised machine learning algorithm which helps in ensuring efficient service delivery, affordability, and accessibility by underwriting loans for customers with limited documentary evidence on income. With robust underwriting and risk management frameworks KCPL has pioneered innovative lending solutions such as small business loan securitizations and co-lending models. KCPL has built credit book of INR 1.1 billion, primarily focused on informal micro-enterprises, agricultural and allied industries, and loans for women entrepreneurs. This growth has been driven by partnerships with banks, large NBFCs, and a strong network of originators. Additionally, KCPL's expertise in debt capital markets and structured finance has enabled it to leverage a diverse set of funding sources to support its lending initiatives. KCPL's strategic direction is guided by a distinguished board, including three promoter directors: Mr. Puneet Gupta, Mrs. Sucharita Mukherjee, and Mr. Vipul Sekhsaria. They are supported by Independent Director Mr. Ramanathan. Kaleidofin Capital is led by a team of seasoned professionals with deep expertise in finance, technology, and social impact. The leadership team combines years of experience with a shared commitment to driving meaningful change through financial empowerment. This experienced leadership team brings a wealth of industry expertise, driving KCPL's mission. Through a combination of deep market presence, cutting-edge technology, and strong partnerships, KCPL is positioned as a trusted financial services provider, fostering financial inclusion and supporting the growth of India's underserved communities. What you'll do? - Responsible for assessing and evaluating partner organizations and monitoring performance of existing partners. - Contribute to development of underwriting standards for selection of partners. - Conduct due diligence & prepare clear and crisp credit notes / documents, working together with senior colleagues. - Present risk opinion to credit committee and assist with on- boarding of partner organizations. - On-going monitoring of Kaleidofin partner organizations. - The candidate will be suitably well versed with the appropriate information security responsibilities for the role and is responsible for adhering to them. - The candidate will be suitably well versed with the appropriate information security responsibilities for the role and is responsible for adhering to them. Who you need to be? - Ability to write clear and coherent reports in English. - Financial analysis skills and quick to understand numbers and trends. - Good skills in Microsoft Excel - Teamwork and collaborative approach - Fluent in English, Hindi, and any other Indian / Foreign language(s).

Kaleidofin - Credit Analyst - CA (1-3 yrs)

Kaleidofin Capital Pvt Ltd (KCPL), incorporated on March 19, 2021, is a Non-Banking Financial Company (NBFC) focused on enabling finance to informal enterprises and underserved customer segments often overlooked by traditional financial institutions. KCPL, a wholly owned subsidiary of Kaleidofin Pvt Ltd (KPL) and operates as part of a larger digital ecosystem built by KPL whose mission is to ensure finance for everyone, everywhere. KCPL specializes in enterprise loans [Nano Business, Agri/Dairy, Women entrepreneur loans] and leverages KPL's ki credit platform and ki score driven origination via a partnership model with high quality originators KCPL received its NBFC certification in 2022, officially authorizing it to conduct lending activities. Since then, the company has expanded its operations to over 437 districts across 12+ states in India, leveraging Kaleidofin's established presence in these regions. This extensive reach allows KCPL to make a substantial impact in rural and semi-urban regions, effectively bridging the financing gap for informal and small-scale businesses. Utilizing the proprietary "ki score" - an advanced supervised machine learning algorithm that specializes in assessing credit risk for thin file customers, KCPL has built credit book of INR 1.8 billion, primarily focused on informal micro-enterprises, agricultural and allied industries, and loans for women entrepreneurs. This growth is backed by partnerships with banks, large NBFCs, and a strong network of originators. Additionally, KCPL's expertise in debt capital markets and structured finance has enabled it to leverage a diverse set of funding sources to support its lending initiatives. KCPL's strategic direction is guided by a distinguished board, including three co-founder directors: Mr. Puneet Gupta, Mrs. Sucharita Mukherjee, and Mr. Vipul Sekhsaria. They are supported by Independent Director Mr. Ramanathan. Kaleidofin Capital is led by a team of seasoned professionals with deep expertise in finance, technology, and customer impact. The leadership team combines years of experience with a shared commitment to driving meaningful change through delivery of suitable finance. Kaleidofin Private Limited is a fintech focused on the mission to build a digital ecosystem ensuring finance for everyone, everywhere. We provide the ki credit platform, combining credit health assessment (ki score), middleware rails and best-in-class risk management (ki view) to enable the financial ecosystem to serve customers better. Via credit health scores for impactful finance and innovative debt structures to scale, Kaleidofin is driving towards its goal to unlock access to tailored finance for women, agri and nano entrepreneurs - in India, Bangladesh and East Africa. The platform has unlocked debt capital of cumulatively more than USD 4.27 billion for over 6.75 million customers and small enterprises working in the informal economy. Over the years, Kaleidofin has raised capital of USD 42 million from marquee investors, including The Bill & Melinda Gates Foundation, The Michael & Susan Dell Foundation, Rabo Partnerships, IDH Farmfit Fund, Oikocredit, Flourish, Omidyar Network, Blume Ventures, and Bharat Fund, who share our commitment to financial inclusion and impact. What you'll do? The Manager/Sr. Manager is responsible for ensuring the company is appropriately and strategically positioned with investors, and all stakeholders. The holder of this job reports to the Senior Vice President-Treasury and is responsible for assisting them in creating the appropriate strategy, framework, and tactics, as well as for providing a very compelling investor relations roadmap. The position requires excellent communication and interpersonal skills. It also requires the ability to carefully manage relationships outside the company in the investor community. The main responsibilities are: - Managing debt funding requirements for the company by initiating and managing relationships with Banks, NBFCs, Mutual Funds, Family Offices and other debt capital market players to raise debt financing for KCPL. - Raise funds through External Commercial Borrowings from institutional investors - Develop a robust investor relations strategy and framework. - Raise timely funding for the company keeping in mind the ALM and B plan requirements; and raise structured/tailor made term funding to suit the business needs of the Company. - Responsible for creating awareness about the company and amongst the banking and other investor community, as a market making activity. - Responsible for preparation of reports on the company's profile and performance and other marketing material and presenting it to the company's current and potential future lenders. - Structuring and arranging debt capital via structured finance transactions including Securitizations, Portfolio Buyouts, Covered Bonds, Pooled Bonds and all other debt market products in India. - Provide insights on market activity and present them to the leadership team. - Analyze and present financial trends, competitor behaviour, shareholder issues, and anything else that could impact the business. - Work with legal counsel to ensure compliance on regulatory matters. Who you need to be? - The Manager/ Sr. Manager must be a seasoned professional who has extensive experience in generating business results and working with cross-functional teams. The job requires a corporate professional who also has entrepreneurial skills and looks to the future with optimism to envision what could be possible. Success in this role requires collaboration, communication, leadership, and vision. - A Master's degree in business, finance, or accounting or CA - CFA certification is an asset. - 5-7 years of experience dealing with lenders and investors and a strong track record of creating positive relations with the investor community. - Deep knowledge and understanding of the debt capital market, as well as a thorough understanding of key metrics for companies in the industry. - Intimately familiar with financial modelling techniques and valuation methods used by analysts and investors - A strong understanding of macroeconomics, capital markets trends, competitor activities, industry dynamics, and customer trends - A professional who is also entrepreneurial and has a client-minded focus. - Must be able to perform in a high-pressure environment and be able to meet tight deadlines. - Has superb written and verbal communication skills, as well as the ability to draft engaging and impactful messages for inspiring employees and investors. - Prior experience in treasury function of an NBFC is preferrable Location-Chennai, Mumbai(WFO-Hybrid)

Mumbai

Kaleidofin - Manager/Senior Manager - Treasury (5-7 yrs)

Kaleidofin Capital Pvt Ltd (KCPL), incorporated on March 19, 2021, is a Non-Banking Financial Company (NBFC) focused on enabling finance to informal enterprises and underserved customer segments often overlooked by traditional financial institutions. KCPL, a wholly owned subsidiary of Kaleidofin Pvt Ltd (KPL) and operates as part of a larger digital ecosystem built by KPL whose mission is to ensure finance for everyone, everywhere. KCPL specializes in enterprise loans [Nano Business, Agri/Dairy, Women entrepreneur loans] and leverages KPL's ki credit platform and ki score driven origination via a partnership model with high quality originators KCPL received its NBFC certification in 2022, officially authorizing it to conduct lending activities. Since then, the company has expanded its operations to over 437 districts across 12+ states in India, leveraging Kaleidofin's established presence in these regions. This extensive reach allows KCPL to make a substantial impact in rural and semi-urban regions, effectively bridging the financing gap for informal and small-scale businesses. Utilizing the proprietary "ki score" - an advanced supervised machine learning algorithm that specializes in assessing credit risk for thin file customers, KCPL has built credit book of INR 1.8 billion, primarily focused on informal micro-enterprises, agricultural and allied industries, and loans for women entrepreneurs. This growth is backed by partnerships with banks, large NBFCs, and a strong network of originators. Additionally, KCPL's expertise in debt capital markets and structured finance has enabled it to leverage a diverse set of funding sources to support its lending initiatives. KCPL's strategic direction is guided by a distinguished board, including three co-founder directors: Mr. Puneet Gupta, Mrs. Sucharita Mukherjee, and Mr. Vipul Sekhsaria. They are supported by Independent Director Mr. Ramanathan. Kaleidofin Capital is led by a team of seasoned professionals with deep expertise in finance, technology, and customer impact. The leadership team combines years of experience with a shared commitment to driving meaningful change through delivery of suitable finance. Kaleidofin Private Limited is a fintech focused on the mission to build a digital ecosystem ensuring finance for everyone, everywhere. We provide the ki credit platform, combining credit health assessment (ki score), middleware rails and best-in-class risk management (ki view) to enable the financial ecosystem to serve customers better. Via credit health scores for impactful finance and innovative debt structures to scale, Kaleidofin is driving towards its goal to unlock access to tailored finance for women, agri and nano entrepreneurs - in India, Bangladesh and East Africa. The platform has unlocked debt capital of cumulatively more than USD 4.27 billion for over 6.75 million customers and small enterprises working in the informal economy. Over the years, Kaleidofin has raised capital of USD 42 million from marquee investors, including The Bill & Melinda Gates Foundation, The Michael & Susan Dell Foundation, Rabo Partnerships, IDH Farmfit Fund, Oikocredit, Flourish, Omidyar Network, Blume Ventures, and Bharat Fund, who share our commitment to financial inclusion and impact. What you'll do? As AVP/DVP Risk, you will lead the development and implementation of the company's risk management strategy across credit, operational, and regulatory domains. This role demands a strategic mindset, strong analytical skills, and a deep understanding of the NBFC and Banking sector and regulatory landscape in India. The ideal candidate will be an experienced risk management leader, capable of managing and mitigating risks in alignment with the company's growth objectives, regulatory requirements and customer impact. - Risk Strategy & Framework Development o Evolve and implement a comprehensive risk management framework that aligns with business goals, regulatory requirements, and market conditions. - Actively oversee risk identification, assessment, and mitigation strategies across credit, operational and compliance risks. - Ensure policies and frameworks are kept updated to identify, assess, monitor, measure and control a broad spectrum of risks. - Monitor emerging credit risks (e.g., identity fraud) and recommend proactive measures. - Credit Risk Management o Manage risk for the retail and wholesale portfolio. Should have managed organization level credit risk policies and procedures, including underwriting standards, risk appetite frameworks, credit scoring models and collections processes. - Work with the credit team to develop robust risk assessment tools, especially for lending products offered to diverse customer segments in India. - Strong and deep understanding of the business. Evaluate business practices from a risk lens, including helping report to the Board and Board Committees and providing leadership in the effectiveness of across the organization. - Ensure effective and continuous portfolio monitoring, stress testing, and expected credit loss forecasting and manage potential default risks. - Operational and Regulatory Compliance for credit o Ensure compliance with regulatory reporting guidelines issued by RBI and other authorities. Ensure timely regulatory reporting, organized audits, and lead initiatives to improve compliance culture across the organization. - Ensure that credit risk management controls, systems, and processes are working like clockwork. - Data-Driven Risk Management o Leverage data analytics, AI, and machine learning tools to enhance data insights for risk control, provide inputs to improve risk modeling, fraud detection, and early- warning systems. - Implement advanced data-driven strategies for more accurate risk assessment and mitigation. - Work closely with business partners and stakeholders to recommend approaches that will improve the ability to address emerging business issues and trends. - Work with internal Data Science and Risk Product teams to develop new capabilities based on both partner level and end borrower level risk management needs - Risk Reporting & Stakeholder Communication o Prepare and present regular risk reports to senior management and the board, providing insights into portfolio performance, emerging risks, and key risk indicators. - Foster a risk-aware culture across the organization through training and risk management education for employees and other stakeholders. - Leadership & Team Development o Lead and mentor a high-performing risk management team, encouraging a proactive and analytical approach to risk analysts. - Engage with cross-functional teams to ensure alignment of risk strategies with business and operational goals. Who you need to be? - Master's degree in finance, economics, risk management, or a related field. - Minimum of 6 to 10 years of experience in risk management, ideally in the NBFC, banking, or financial services sector, with at least 3 years in a leadership role. - Experience in both wholesale and retail lending would be preferred. Experience in a business role within the banking and NBFC space will be an added advantage. - Strong knowledge of credit and financial risk, operational risk in the context of an NBFC; familiarity with RBI regulations. - Sectoral understanding of financial institutions and strong ability to interpret financial trends. - Proficiency in risk management and data analytics tools, ideally including Python and SQL will be an added advantage - Advanced analytical skills, with experience in quantitative risk modeling, portfolio analysis, and loss forecasting. - Should have held a position of authority in terms of allocation and appropriating exposure limits. - Demonstrated resilience - strong runs with companies and experience in efficient risk management while taking businesses to scale. - Strategic thinker with a proactive and solutions-oriented approach to risk management. - Excellent communication skills with the ability to convey complex risk insights to senior executives and drive decisions. - Self-starter who takes personal ownership. Ability to drive projects with minimal guidance. - High integrity and a commitment to ethical practices and regulatory compliance. - High learnability and an open attitude. Seeks out knowledge, ideas and feedback. - Location - Chennai.

Kaleidofin - AVP/DVP - Risk Management (6-10 yrs)

Apply to 6 Kaleidofin jobs on iimjobs.com, India's No.1 Management job portal. Explore Management job in Kaleidofin Now! Company Page, IIM MBA Jobs, Ecommerce, Retail, Business, Development, Manager, Technology, Healthcare, Telecom, Insurance, FMCG, Media, BFSI, Director, VP/AVP, CEO/CFO, AGM/DGM

Apply to 6 Kaleidofin jobs on iimjobs.com, India's No.1 Management job portal. Explore Management job in Kaleidofin Now! Comapny page, IIM MBA Jobs, Ecommerce, Retail, Business, Development, Manager, Technology, Healthcare, Telecom, Insurance, FMCG, Media, BFSI, Director, VP/AVP, CEO/CFO, AGM/DGM