Nitin Agrawal is the Deputy CEO at IntelleGrow. He has over 15 years of work experience focused on rural/lower mass markets in financial services industry across Bank and NBFCs. Nitin comes with an experience of managing large teams from diverse functional areas with a keen eye to pick business drivers. Prior to IntelleGrow, Nitin led the strategy and risk function besides serving as interim CEO at Spandana, one of the largest NBFC-MFI. There, he actively participated in the business revival including crisis response, Corporate Debt Restructuring, fund raise, process improvement, trainings and rollouts. Prior to that, he worked at Fullerton India in their rural foray managing the rural project rollout, business planning, risk control and reviews. He also worked at ICICI Bank in product and tech covering microfinance product, exploring rollout of smart cards in rural space, agri channel finance and bulk warehouse receipt finance. Before that, he did research and credit ratings at M-CRIL besides working in Media production planning and budgeting, materials management in Times’ group and India Today group. Nitin graduated from Institute of Rural Management, Anand specializing in Finance and Rural/ low-income livelihoods.