The Author is the Founder of Finverse Consultancy Services Pvt. Ltd., a focused advisory firm within the two-wheeler lending ecosystem. With more than three decades of experience spanning NBFCs, Banks, and the IT domain, he combines deep expertise across sales, credit, operations, collections, and technology to deliver practical financial consulting solutions. His approach is execution-driven, with a clear emphasis on enhancing portfolio quality and profitability. He holds advanced certifications from the Indian Institute of Management Calcutta in FinTech and Blockchain, and from the Great Lakes Institute of Management in Business Analytics and BI, as well as a PGDM in Finance and a commerce degree.