Zarik

Chief Commercial Officer (CCO)
MaleVP of Operations/Chief Operating OfficerLive in United Arab EmiratesNationality India
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Summary

19+ years across consumer brands & startups. Delivered multi-million dollar revenues across e-commerce and financial services. Specialist in lending, payments, cards, wallets, fintech growth marketing, business development and general management (P&L).

Work experience

  • Chief Commercial Officer (CCO)

    Tabby | تابي
    2026.02-Current(8 months)
    Lead and oversee all commercial, business, and product operations for Tabby’s consumer and business lending, cards as well as wallet propositions, across all markets.
  • Sr. Director - Financial Services (cards, wallets, payments, lending)

    Tabby | تابي
    2024.01-2026.03(2 years)
  • Director - Tabby Cards

    Tabby | تابي
    2021.10-2026.03(4 years)
    Lead all aspects of Tabby card business including Strategy, P&L, Portfolio growth, Partnerships, Go to market, Processor, scheme and bank partnerships etc.
  • VP - Marketing

    LazyPay
    2020.10-2021.10(a year)
    End to end ownership for all GTM's across LazyPay (Credit brand for PayU Finance) Responsible for delivering on inorganic growth and retention targets for LazyPay's BNPL and personal loan products Key strategic merchant partnerships and initiatives External bank and network partnerships for LazyPay's card and UPI offering Led the overall marketing team and overall marketing budget and associated metrics
  • Director - Marketing

    LazyPay
    2018.08-2020.10(2 years)
    Responsible for all merchant growth targets to achieve monthly business targets Responsible for key merchant strategic growth initiatives Led all customer growth, retention, churn and resurrection initiatives Responsible for delivering target CAC, LTV and managing the annual marketing budget (in excess of $XXMn) Responsible for growing the marketing team
  • Chief Operating Officer

    Lifafa Giftech Private Limited
    2017.03-2018.07(a year)
    Part of the core team managing overall business strategy, product and brand development for a upcoming startup in the fintech space in India Lifafa.com aims to solve the problem of cash gifting in India by enabling users to create a registry for their upcoming event and accept cash contributions from their friends towards their dream gift.
  • Co Founder

    Stylflip
    2015.10-2017.03(a year)
    Responsible for all major decisions involving every aspect of the company in an entrepreneurial capacity Conceptualization and development of the StylFlip offering i.e. business model, revenue model, mobile app and website User acquisition through digital marketing - Facebook, Adwords, Mobile Ad networks and Affiliates with a laser sharp focus on ROI/Sales Recruit and lead a small but high quality team to execute the business strategy Pitching and fund raising from various investors, angels and funding networks Constantly looking at ways to improve the offering through user feedback and data points Stakeholder management – team, investors, business partners etc. Managing the companies finances – revenues, expenditure and burn rate in line with the business plan
  • Visiting Faculty

    FAD International Academy
    2016.02-2016.10(9 months)
    Teaching post graduate courses on Marketing Strategy CRM and loyalty in retail Entrepreneurship Basics of Retail Operations
  • Chief Manager - BrandCapital (Brandscope)

    Bennett Coleman and Co. Ltd. (Times Group)
    2015.02-2015.10(9 months)
    Responsible for the development of TOI (Brand Capital) Owned brands in the digital space through partnerships revolving around the Ads for equity model and its various derivatives.
  • Business Head - Publishing and Digital Services

    Milestone Interactive Group
    2012.04-2015.02(3 years)
    Full P&L responsibility for the organizations mobile games publishing and digital content business Develop a unique multi studio partnership model for mobile game publishing on leading app stores Manage content aggregation, syndication and licensing from various local and global brands and publishers Expand the organizations mobile and e-commerce business into South East Asia and the Middle East Manage user acquisition through alliances with strategic partners including mobile ad networks through CPC, CPI, CPM buys Identify and partner with payment platforms in each region to improve content monetization Develop innovative marketing strategies for promoting mobile/digital content to increase user engagement and retention Develop a virtual currency and cash card business model across all consumer touch points & mobile content
  • Group Manager - Brand Marketing and New Business

    Milestone Interactive Group
    2011.05-2012.08(a year)
    Complete marketing, brand building and business development activities for the retail brand 'Game4u' Spearhead all brand marketing and sales promotions with a focus on ROI for all Game4u stores Focus on building Game4u as a brand in the online space through digital marketing, social media promotions and community management Design and launch a unique gamer customer loyalty program and e-wallet system Introduce a full digital downloadable games service complimenting the e-commerce platform Identify and research new areas of business based trends and future growth opportunities
  • MBA Candidate 2011

    Schulich School of Business
    2009.09-2011.05(2 years)
    Key courses: Marketing Management, Strategy Fundamentals, Services Marketing, Brand Management, Social Media Marketing, Consumer Behavior, E-commerce and High Technology Marketing Selected for an exchange program to the Asian Institute of Management, Manila in the third semester Completed a strategic evaluation as part of a graduating course on a publicly listed Medical imaging company Novadaq (NASDAQ:NVDQ)
  • Consultant

    The MBA Tour
    2010.05-2010.08(4 months)
    Formulate a social media strategy specific to the Indian market Work with the media agency in Toronto to setup and run India specific Facebook and Orkut pages Recommend and execute strategic promotional alliances online and on-ground
  • Manager - Product Marketing

    Milestone Interactive Group
    2008.04-2009.07(a year)
    Manage all marketing and channel activities for the organization’s key partners such as Sony Computer Entertainment, Electronic Arts, Capcom, Midway Games, Atari and AVG Anti-Virus. Identify new products for the Indian market by assessing market potential, key competitors and price points. Formulate marketing plans including television and print campaigns, retail activation, POP/in-store displays, digital marketing and Product PR, Conceptualize and manage on-ground gaming events across the country Develop a new retail brand and corporate brand identity
  • Dy. Manager - Product Marketing

    Milestone Interactive Group
    2007.04-2008.03(a year)
    Assist in identification of new gaming products for the Indian market with price-point recommendation In-charge of all innovative product packaging and POP design Manage execution of all below the line promotions and trade marketing activities
  • Sr. Executive - Product Marketing and Alliances

    Milestone Interactive Group
    2006.08-2007.03(8 months)
    Develop and execute all marketing collateral material for product and in-store promotions Gather and report market feedback and trends across channels
  • Project Co-ordinator

    Tool and Gauge Manufacturers Association
    2004.07-2006.06(2 years)
    Work on project (TEDO) with the Confederation of Indian industries (CII) to promote knowledge transfer amongst Indian SME’s by surveying Indian tool makers Assist in marketing, planning and organization of DIEMOULD INDIA 2006 Edit and promote TAGMA TIMES – a monthly newsletter on the Indian tooling industry.

Educational experience

  • Schulich School of Business - York University

    MBA, Marketing and Strategy
    Key courses: Marketing Management, Strategy Fundamentals, Services Marketing, Brand Management, Social Media Marketing, Consumer Behavior, E-commerce and High Technology Marketing Selected for an exchange program to the Asian Institute of Management, Manila in the third semester Completed a strategic evaluation as part of a graduating course on a publicly listed Medical imaging company Novadaq (NASDAQ:NVDQ)
  • Asian Institute of Management

    MBA, Marketing and Strategy (Exchange term)
    Key courses: Marketing and Finance creating synergy, Direct Response Marketing, Customer Relationship Marketing, Advertising and Sales Promotion Management, Negotiations
  • University of Mumbai

    Bachelor of Engineering, Electronics
    Key courses: Microprocessors, Fibre Optics, Principles of Communication, Analog and Digital Integrated Circuits
  • R. D. National College

    Higher Secondary School Certificate, Computer Science
    Higher Secondary School Certificate with a vocational course in Computer Science

Languages

English
Hindi
French
Basic
Marathi
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