Brands
Ratnaafin unveils its new brand identity
Mumbai: Ratnaafin Capital, a rapidly growing RBI-registered Non-Banking Financial Company (NBFC), proudly announces its comprehensive rebranding initiative in collaboration with ABND, a leading branding agency in Mumbai. This strategic partnership was forged after thorough evaluation of multiple firms, with ABND’s emphasis on aligning brand strategy with business objectives being pivotal to Ratnaafin’s decision.
The rebranding process involved an extensive stakeholder study at Ratnaafin’s headquarters in Ahmedabad, along with a detailed analysis of channel partners, customer pain points, and expectations. ABND’s comprehensive approach led to the new brand positioning as an “NBFC for Business Owners” and the introduction of the promise ‘Possible Hai,’ which now stands at the heart of Ratnaafin’s brand communication.
The rebranding exercise has refreshed Ratnaafin’s visual and verbal identity while reiterating its core objective: ‘We are in the business for business owners.’
Ratnaafin’s refined portfolio includes a wide range of MSME loans, such as business loans, corporate loans, working capital loans, machinery loans, and loans against property. The primary aim is to empower SMEs, fuel entrepreneurial growth, and support diverse business needs.
Ratnaafin director Malav Desai expressed his enthusiasm for the rebranding initiative, stating, “This transformation marks a significant milestone in Ratnaafin’s journey. Our new brand identity reflects our commitment to empowering business owners with the financial solutions they need to achieve their goals. We are confident that through our newly identified positioning and our partnership with ABND, we will be able to communicate that timely and flexible financial solutions are not a luxury but a key to sustainable growth, to all our stakeholders.”
ABND founder-partner Kunal Vora said, “Our vision for this project was to achieve seamless brand and business alignment. By targeting the specific needs of business owners, we have carved out a unique position for Ratnaafin in the NBFC sector. This strategy is already in effect and driving meaningful outcomes where it matters most.”
Brands
Rakesh Menon joins Paytm as avp – lending
Fintech product leader takes on new role after building digital lending, payments and credit products across fintech ecosystem
MUMBAI: Rakesh Menon has joined Paytm as assistant vice president – lending, taking on a new role focused on strengthening the company’s lending and credit products.
Prior to this, Menon worked at Profectus Capital Pvt Ltd as chief manager – payments based financing and digital lending.
At Profectus, he designed and launched digital credit products for merchants with variable cash flows, including overdraft-linked and revenue-share lending models. He led end-to-end LOS–LMS API integrations with payment partners and aggregators, enabling real-time underwriting, disbursal and repayment workflows.
He also worked on funnel optimisation initiatives using journey analytics, improving onboarding, KYC and disbursal conversion by 35 per cent. He developed ecosystem partnerships for transaction-data-based credit assessment and automated settlement systems, and collaborated with credit and data science teams to strengthen risk models and early delinquency detection.
Menon standardised partner onboarding and API frameworks, reducing go-live timelines by 40 per cent and improving digital scalability.
Before Profectus Capital, he worked at PayU as senior manager – presales lead – enterprise business from August 2022 to August 2023. He set up a national presales function for fintech and digital commerce clients, aligning solutions such as EMI, BNPL, BBPS and offer engines to merchant requirements.
He also helped improve conversion rates by around 15 per cent through merchant persona mapping, demo frameworks and structured sales playbooks, working closely with product and go-to-market teams.
From April 2019 to July 2022, Menon served as business unit head – SMB – direct acquisitions at Worldline, where he built the SMB online payments vertical from scratch. The business scaled to Rs 2,500 crore in annual transaction volume, growing at 45 per cent year-on-year.
During this period, he introduced paperless onboarding processes including eKYC and eSign, developed partner dashboards and CRM automation systems, and integrated platforms such as Shopify, WooCommerce and Tally to expand merchant adoption.
Across roles, Menon has worked across digital lending, payments and merchant financing, with experience in product development, ecosystem partnerships, API integrations and fintech-led growth strategies.
At Paytm, he will focus on scaling lending products and strengthening digital credit infrastructure within the company’s financial services ecosystem.
His appointment comes as fintech firms continue to expand their lending and embedded finance offerings in a competitive market.
