Cosma Indica

Professional Overview

Cosma Indica is an experienced financial services professional with a strong track record in product development, credit risk management, and driving profitability. As the Head of Product & Profit at Arthmate, she oversees the strategic development and implementation of innovative financial products, as well as the optimization of the company's bottom line.

Experience Summary

Current Role

Head of Product & Profit, Arthmate (August 2023 - Present)

• Responsible for spearheading the development and implementation of new financial products and services to meet the evolving needs of Arthmate's diverse customer base

• Leads the cross-functional team in developing and executing strategies to enhance the profitability of the organization

• Drives the continuous improvement of existing products and services to ensure they remain competitive and aligned with market trends

Career Progression

Head - Co-lending & FI, NeoGrowth Credit Pvt. Ltd. (July 2022 - July 2023)

• Managed the co-lending and financial institution partnership portfolio, driving growth and profitability

• Implemented risk management strategies to ensure the portfolio's overall credit quality

• Collaborated with cross-functional teams to develop innovative co-lending and partnership solutions

Head - Credit and Products, Arthmate (October 2018 - July 2022)

• Oversaw the credit underwriting and product development functions, ensuring the creation of customer-centric financial solutions

• Led the development and launch of several new credit products, contributing to the company's revenue growth

• Implemented robust risk management frameworks to maintain asset quality and portfolio performance

Academic Background

• Master of Business Administration (MBA), Finance, Mumbai University

• Bachelor of Commerce (B.Com), Mumbai University

Areas of Expertise

• Financial product development and management

• Credit risk assessment and portfolio management

• Profitability optimization and cost management

• Cross-functional team leadership and collaboration

• Strategic planning and execution

Professional Impact

• Spearheaded the development and launch of several innovative credit products at Arthmate, driving a 20% increase in revenue over a 3-year period

• Implemented risk management strategies that resulted in a 15% reduction in non-performing assets (NPAs) during her tenure as Head - Credit and Products

• Established successful co-lending and financial institution partnerships at NeoGrowth Credit Pvt. Ltd., contributing to a 25% growth in the co-lending portfolio

Conclusion

Cosma Indica's extensive experience in the financial services industry, coupled with her expertise in product development, credit risk management, and profitability optimization, makes her a valuable asset to Arthmate. Her strategic vision and collaborative leadership approach have consistently enabled her to drive growth, improve operational efficiency, and enhance the overall financial performance of the organizations she has served.