Talks with Saurabh Agrawal
Talks with Saurabh Agrawal
Souparno Bagchi: CXO, Fintech Strategist, Alumnus of ISB
Souparno Bagchi: CXO, Fintech Strategist, Alumnus of ISB
Souparno Bagchi: CXO, Fintech Strategist, Alumnus of ISB
Souparno Bagchi is a fintech and financial services strategist who has spent the last several years scaling micro-lending businesses from the operator's seat, after nearly two decades split across technology services, global investment banking, and consulting.
Souparno Bagchi has spent the last few years scaling micro-lending businesses from the operator's seat, after nearly two decades split across technology services, global investment banking, and consulting. He is currently working at the intersection of AI, risk, and India's credit divide, thinking through who gets access to capital in this country and who still doesn't. His frameworks, India 1-2-3, the Three Ds of demand, and the enables-versus-drives distinction between banks and fintechs, have made him a sharp, structural voice on where Indian financial services is actually headed rather than where the headlines say it's headed.
He is currently working at the intersection of AI, risk management, and India's credit divide , thinking through who gets access to capital in this country, who still does not, and what the infrastructure of financial inclusion actually needs to look like in practice rather than in policy.
He also teaches at the Indian School of Business (ISB), where he has built and run a course on social media and retention marketing analytics , a combination of finance, data, and marketing that gives him a distinctively cross-functional view of how modern businesses grow.
Souparno Bagchi has spent the last few years scaling micro-lending businesses from the operator's seat, after nearly two decades split across technology services, global investment banking, and consulting. He is currently working at the intersection of AI, risk, and India's credit divide, thinking through who gets access to capital in this country and who still doesn't. His frameworks, India 1-2-3, the Three Ds of demand, and the enables-versus-drives distinction between banks and fintechs, have made him a sharp, structural voice on where Indian financial services is actually headed rather than where the headlines say it's headed.
Background & Journey
Souparno spent nearly nine years at TCS early in his career, followed by more than six years at Goldman Sachs, and time in consulting before crossing over into the startup world to build and scale micro-lending businesses.
He is an ISB alumnus and the son of a banker who spent 32 years in the profession , which gives him a rare vantage point: he has watched Indian banking change from both sides of the counter, as someone who grew up observing it and as an operator who has tried to improve it. That combination of Wall Street rigour, startup execution, and family-level understanding of how banking touches ordinary Indian lives shapes everything he says about where Indian financial services is headed.
On Dilse Omni
Souparno Bagchi recently appeared on Dilse Omni Talks with host Saurabh Agrawal, where the conversation explored “Why everyone in India seems to want to lend you money , and what the real future of Indian fintech and banking looks like beneath the surface.”
Books written or mentioned
No specific book was cited in this episode, though Souparno's Indigo-versus-Emirates analogy and his framing of experience as "value delivered ÷ value committed", a measure he picked up from a workshop by Amin Haque, stood out as the most quotable frameworks of the conversation.
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