rishabh poniya

Business Data & Process Automation & Growth | Care.fi
• Led the development and automation of business data recording and MIS from the ground up, significantly enhancing data
accuracy, increased reporting efficiency, and enabling data-driven decision-making across the organization.
• Built a robust data reporting structure, reducing reporting time from 15 days to 2 days translating complex data into actionable
insights that empowered leadership and departments to make informed strategic decisions.
• Reduced reporting time from weekly to real-time, implementing live data systems that provided actionable insights, enabling
quicker, informed decisions and improving business agility.
• Played a key role in establishing innovative business models for insurance processing and patient financing backed by
insurance, contributing to the companys diversification and growth.
• Collaborated closely with technology teams to transition from manual systems to automated workflows, streamlining
operations, reducing inefficiencies, and improving overall productivity.
• Produced comprehensive data-driven reports for key stakeholders, presenting performance metrics and insights that guided
business strategy and operational improvements.
• Led the optimization of core business processes, driving enhanced operational efficiency, and spearheaded the launch of new
business lines such as Supply Chain Financing and a co-lending program, expanding the companys market footprint and
revenue streams.

• Developed an innovative EdTech platform to assist students in gaining admission to top universities abroad, providing
guidance and resources to navigate the application process.
• Designed and implemented a unique FinTech model based on Income Share Agreements (ISA), enabling students to pay for
their education as a percentage of their future salary, reducing upfront costs and increasing accessibility to quality education.
• Pioneered an Industry Expert Mentorship model, where mentors made equity investments in students careers, receiving
returns based on the students future success, aligning mentor interests with student achievements.
• Successfully onboarded 10+ students into the ISA and mentorship models, providing them with financial flexibility and expert
guidance, and alternate investment opportunities for industry experts and leaders.
• Facilitated the placement of 4 students in the top 20 universities worldwide for both undergraduate and postgraduate
programs, demonstrating the effectiveness of the mentorship and funding models in securing high-quality education
opportunities for students.

• Led a 25+ member cross-functional team overseeing payments, credit risk, and business strategy, driving key operational
improvements.
• Implemented a credit risk reduction strategy in the Fruits & Vegetables segment, decreasing risk by 23.5% in 6 months.
• Managed $600+ MM GMV ARR across 100+ commodities in 27 states/UTs, achieving ~35% m-o-m GMV growth over the
period of 24 months through strategic campaigns (e.g., cashback, Diwali offers).
• Developed and executed a BNPL plan for supplier payments, boosting GMV by 40% in existing and new markets.
• Built and integrated internal tech platforms (Loan Management System, CRM apps) and collaborated with tech teams to
enhance data management and financial transparency.
• Led ONDC integration and partnerships with MagicPin, Mystore, Paytm, creating new revenue models and on-demand delivery
fulfillment.
• Optimized working capital flow, reducing interest expenses by 65% and improving user retention by 43% through cohort
analysis.
• Created and executed incentive/target models for 100+ field staff, achieving 24% MoM growth with minimal cost increase.

Research Strategic Analysis,
• Conduct and coordinate financial, product, market, operational and related research to support strategic and business planning
within the various departments and programs of the BCG group.
• Interpret, evaluate and interrelate research data and develop integrated business analysis and projections for incorporation
into strategic decision-making.
• Led primary and secondary research for FMCG brands, creating a B2C go-to-market strategy for a B2B product.
• Preparation of company profiles, teasers, newsletters etc. and assist the onsite team on information memorandums, industry
thematic etc.
• Managed project requirements, including defining milestones, budgets, and team formation, ensuring timely progress and
resolution of issues.
• Prepared technical reports, PowerPoint presentations, company profiles, and briefing materials for clients and internal teams.
• Conducted SWOT analysis, benchmarking, and competitive assessments to support client needs.
• Executed work under tight deadlines, delivering high-quality analysis on industry reports, competitive benchmarking, and
financial analysis.