Vinay Kapoor
As a seasoned professional with 18 years of experience in E-Governance, Financial Inclusion,
Microfinance and Digital Payment projects
Highly accomplished professional with 18 years of working experience in different
government projects and my expertise lies in leading technical and non-technical projects
Well-versed in client interaction and delivery task
Excellent communication and interpersonal skills with proven ability and multitasking
Proven ability in launching and managing various multi-million-dollar projects for client such
as Government of India, World Bank, CGAP, NPCI and also having experience of working with
different Fintech & Payment banks.
SKILL SET
Channel Development& Financial Inclusion
Market Research & Analysis
Account Relationship Management
Project Management & Digital Transformations
Stakeholder Engagements
Leadership & Mentoring
Key Achievements
Financial Inclusion Leadership (DAY_NRLM):
Drove financial inclusion under the NRLM FI initiative for the Government of India and
achieve a 3X increase increase in banking agent deployments and surge in digital
transaction across rural India.
BC Sakhi Model Expansion:
Collaborated with 26 States Governments, PSUs and financial institution, expanding the
BC Sakhi model to 2.5 lakh agents, enhancing financial services for over 3 crore SHG
women’s
Stake holder Engagement :
Worked with Central and State Government, CGAP, World Bank and NPCI to align the
project goal with business objectives for ensuring long term success
World Bank Project:
Led workshop and interviews, analyzing the challenges faced by women-led MSMEs in
adopting digital transactions and securing credit and providing sustainable solution
through published reports
Project Leadership :
Led cross- fuctional teams, automated projects and integrated banks and fintech
products. Developed BRDs gathered requirements and smooth UAT and rollouts.
PROFESSIONAL EXPERIENCE
Current Organization Deloitte Touche Tohmatsu India LLP
Company Profile: Deloitte is a leading global service provider of audit and assurance,
consulting, financial advisory, risk advisory, tax, and related services globally.
Designation: - Expert Agent Banking & Microlending, (February 2021 to Till Date )
Client: - MoRD (Ministry of Rural Development), Government of India
Project Handled: - National Rural Economic Transformation Plan (Funded by World Bank to
NRLM)
Key Deliverables:
Monitoring the Day-NRLM scheme implementation in the States
Preparing the necessary advisories, SOP, and proposal on behalf of NRLM to upscale and
strengthen women's BC model
Evaluating the progress through the KPI matrix and drawing the action plans
Interacting with multiple stakeholders e.g. (Banks, SRLMs, CSC, etc.)
Providing services for appropriate digital/alternate channels for SHG members
Helping the client to arrange a conclave and round table conference for multiple
stakeholders on the BC model
Team Management
Critical decision-making and planning
Previous Organization Airtel M Commerce Services Limited/Airtel Payment Bank
Company Profile: Airtel M Commerce Services Limited, won the payment bank license from RBI
& on the way to setup platform for new banking age and provides the most comprehensive
financial services solutions to millions of customers in India.)
Designation: Band A Delhi/NCR (August 2015 to December 2020)
Key Deliverables: Channel Sales & Operations
Distribution Appointment/Management (Mobile Banking Product)
Revenue Generation – Direct & Indirect
Product Launch
Previous Organization: - YTS Solutions Pvt. Ltd. (Erstwhile Nokia Money)
Designation: - Service Centre Manager Control Region: Delhi Period of Service: - March 2015
to July, 2015
YTS means Yatra Tatra Sarvatra (here, there, everywhere) symbolising 'ubiquity' is a company
focused on meeting all customer life-cycle requirements and being everywhere physically &
digitally. YTS aims to become a thought leader in bringing innovative and relevant products for
the mass segment fulfilling their entire requirements and being a partner in their growth.
Key Deliverables:-
Currently taking care YTS service center in Delhi& mainly focusing in domestic
remittance business through web based application known as Tez Portal.
Also handling another products of mobile payment through UBM wallet account &
processing UBM forms for North India with Daily MIS reporting’s.
Handling complete Cash management of service center & inventory management of the
company.
Committed team player, with natural leadership qualities & rich experience in resource
management.
Proven ability to meet and exceed set goals and deadlines.
Rich experience of launching new projects / products and reviving operations.
Ability and willingness to quickly learn in various environments and industries.
Previous Organization: - Rosmerta Technolgies Limited/Link Utsav (Smart Card & HSRP
Project)
Designation: - Project Manager Control Region: Delhi/NCR Period of Service: -July 2014 to
February 2015
Rosmerta Technologies Ltd. (RTL), which was incorporated with a view to leverage National e-
Governance Plan (NEGP) of India. ROSMERTA is the Country’s leading player for E-Governance
based transport solutions like Smart Card based DL / VRC, High Security Registration Plates, Speed
Governors, Vehicle Tracking systems.
Internal coordination with HO and Field level employee for smooth operations
Ensure that the predefined process for Project
Production and implementation is followed Building
efficiency (cost reduction) in the project. Doing Major Projects undertaken in Financial Inclusion
Liasoning with Transport Departments for smooth
RasthriyaSwasthiyaBimaYojna (RSBY)
closure of issues.
Providing technical support onsite and offsite for projects Banking
/ RSBY/ NDDB / NREGA / SSP Providing technical training to field
Ensuring time delivery of number plates to staff.
Conducting UAT for software’s and providing feedback to
the Dealers. development team
Affixation of the same number plates in Data backup management – ensuring timely data backup from
enrolment kits & uploading the same on ftp
defined time frame to the customer Vehicles. Responsible for Billing Data submission to client before reconciling
Conducting UAT of software & providing the same.
Liasioning and coordinating with the team at State level across Pan
feedback to Transport Department. India to meet client delivery expectations.
Ensuring sales targets will be achieved & Liasioning and coordinating with the Development team for any
enhancements/modifications being done in Software.
revenue generation as per the defined time Developing and delivering progress reports, requirements
frame. documentation, and presentations for clients
Liasioning and coordinating with Clients & MOLE (Ministry of
Responsible for Billing Data submission Labour& Employment) for their requirements.
directly to SDM office. Software testing with STQC team (Ministry of Information
Technology) for getting the software certified for field
Liasoning & coordination with production deployment.
unit & transport deptt for smooth closure of
Union Bank of India - Delhi
issues. Created a customer base of 25,000 bio-metric smart card users in
various slums and unorganized resettlement colonies of Delhi. A
sizeable portion of the sourcing also belong to the migratory
population of various night shelters for the homeless. All such
Previous Organization: Fino Paytech Limited/Fino customers are provided a zero balance savings account in the Core
Banking Solution of FINO under the UBI brand. With various
Payment Bank schemes and promotional activities, I have been able to achieve a
volume of 50,000 transactions per month along with a total float
of 15 lacs INR
Designation: Asst ManagerControl Region: Delhi –
NCR (Pan India )Period of Service : July 2006 to June Punjab national bank (PNB) - Delhi
Mandate from PNB is primarily directed towards the unbanked
2014 population in the wholesale Vegetable and Fruit markets in
Azadpur (APMC). There is a sizeable population of daily wage
laborers and vegetable vendors who have their daily earnings
FINO is a pioneering Application Service Provider being deposited with local traders for safety and security on a
(ASP) based out of Mumbai, India. Using cutting premium. After recognizing that there is a need for a basic savings
account for such category of people, FINO started its financial
inclusion project in an around the Mandi area.
edge technologies like Smart cards, Biometrics and a basket of support services, FINO enables
Financial Institutions to conceptualize, develop and operationalize projects for Financial Inclusion
and support sector initiatives such as NREGA, RSBY, General Credit cards (GCC), Kisan credit cards
(KCC), Micro-insurance and Microfinance aimed at enabling the rural and remotest un-banked
parts of the country to enjoy the benefits of formal financial products and services.
RESPONSIBILITIES HANDLED PROJECT WISE
FINANCIAL INCLUSION
Establishment of Customer service points
Identify Local Banking Business Correspondents/Business facilitators (Agents) for
customer sourcing and servicing.
Deployment of Point-of-Sale (PoS) Transaction devices to facilitate transactions.
Understand capacity assessment of BCs and define training needs and requirements.
Customer acquisition
Make location wise plan for customer sourcing as per the potential and demographics
Onsite customer enrollment after ensuring proper KYC norms as per the rules and
regulations of the bank.
Computerized data capturing and smart card personalization
Transactions and deposits
Ensure that the customers issued bio-metric smart cards are transacting regularly with I-
Bilt’s agents
Formulate promotional schemes and campaigns to generate volume of transactions and
deposits.
Formulate monthly incentive and remuneration schemes for the agents encouraging
them to reach every customer repeatedly.
Cash Management
Monitor daily cash balances on every transaction device.
Reconciliation of PoS transactions with CBS data.
Monthly cash settlement with agents.
Monitoring imprests requirements
MIS and reporting
Reporting of daily, weekly and monthly transactions, Cash balances, Customer
enrollments and bio-metric smart card activation.
Monitor the daily flow of customer KYC documents and enrollments data from the
respective financial inclusion sites to back-end and vice-versa flow of smart cards to sites
after personalization and printing. Reporting and closure of gaps therein.
Monthly pay-outs and incentives of BCs/BFs
Relationship management and Business development
Major Projects undertaken in Microfinance
Union Bank of India (UBI)
With local Bank branches for coordinating day-to- UBI is offering various direct and security linked small
tickets loans to the bio-metric smart card holders of
day operations of KYC verification and account FINO. Such customers are required to be at least 1
activation, as also getting mandates month old with a minimum of 10 transactions. Loan
size varies from Rs. 3000 to Rs. 12000 with a weekly
Linkages with various NGOs/MFIs/Community based repayment schedule. Interest rates vary from 12 per
cent to 14 per cent per annum. I have been able to offer
associations/thrift and cooperative such loans to various vegetable vendors, daily wage
societies/occupational unions/SHG federations/Civil laborers homeless shelters. So far, we have been able to
disburse 3000 loans in Delhi with a total outstanding of
Society Organizations for extending micro-saving 1 crore as of today
and micro-credit services
Liaising with Various Govt. agencies of Haryana for
NREGA projects
Identification and liaising with various co-operative
societies, NGOs and voluntary organizations working
for the grass-root level urban population for
promoting FINO’s services to the target population
MICROFINANCE
Profiling of interested customers in terms of their
occupation and needs
KYC, Documentation and verification of
interested/shortlisted customers
Formation of Joint Liability groups (each individual acting as a guarantor of two other loan
applicants)
Back-end update of Loan applications in Core banking solution of I-Bilt
Sanction and disbursement of loans from Bank
Weekly recovery schedule of applicants.
Follow – up strategy with agents and customers on defaults and delinquencies.
Survey and study on utilization pattern of loans by beneficiaries
Competition analysis of loan products offered by other MFIs in Delhi
SCHOLASTICS
Pursued Bachelor of Commerce from Delhi University (2004)
Pursued 10+2(G.S.C.E) from D.Z. Patel Ramol London Senior Secondary School, Gujarat in
2001.
Pursued 10th (G.S.C.E) from I.B. Patel Public School, Gujarat 1999.
National Institute of Securities Markets ( NISM )/ Mutual fund Distributors Certification
exam 2015
PERSONAL DOSSIER
Date of Birth: 25th December 1982
Correspondence Address: D-87 Pandav Nagar Second Floor, Delhi 92
Hobbies: Music, News, Sports
Hometown: Delhi
Languages Known: English, Hindi and Punjabi
Marital Status: Married
Father: Late Mr. Satpal Kapoor
Mother: Mrs. Kavita Kapoor
