After The Corporate Years #2.

Beyond the large corporates lie really fantastic opportunities, albeit in smaller firms and companies, such as startups.

Having been deeply immersed in the startup ecosystem for the past decade, and during the nascent years of my professional journey, this feeling is solidly confirmed having lived and breathed in it.

As I write about my life and about my professional journey, it dawns upon me that I’ve never actually gone out and looked for a job. Save one time, and that one time was the very first time that I went and worked for someone else as CFO. First job and that as CFO, not bad, eh? Take how I got into ICICI, HSBC, Agile and my current role, all known people, or a friend of a friend, or an ex-colleague and friend.

It also strikes me that there are no coincidences in life, none whatsoever. I think it has more to do with fate, destiny, being in the right place at the right time.

The way I look at almost everything, is slotting all that I end up doing or experiencing, into this rather interesting matrix (not inspired by the movie, by the way). It’s called the Matrix of Six. Yes, you might have guessed. That another piece I’m working on. Soon coming to a blog page near you.

Best I get on with the current role, after that rather long preamble, so this story picks up from the earlier startup experience.

As it happens, during my previous startup role as COO, a friend (ex friend now), called me out of the blue very early one morning and after a rather fake exchange of pleasantries, said he’s working for this guy, someone who he said I knew (I didn’t) from my time in Singapore – Circa 2002/2003. So despite the long silence between us, and a less than cordial relationship post the exing, I agreed to introduce him and his boss to the CEO of the company.

I turns out that Prateek, one of my colleagues (we become close friends) from the Dubai startup, ended up working for Ram before I did. So this Prateek character calls one day as asks to be introduced to decision makers at various banks in India, and I do so devoid of any hesitation, as I’ve always helped friends out no matter what.

Why is this relevant? Simply because that Ram, the one I’d never met, would a few years later come looking for me.

I did open a few doors for Prateek, and once fine day, soon after the door opening part, Ram calls me from Singapore, and says he’s sending me a visa and ticket. What don’t you come down to Singapore for a few days and lets talk about how we can collaborate. If my memory serves me that was in July or August 2017.

If you have read my previous anecdote, you will recall that I had quit this Dubai startup, and was in this “in-between” phase again, the one in which I was part of the startup ecosystem as a mentor. So I was kinda figuring out what to do next, and had a few exciting ideas in mind, including interesting job opportunities. One idea was more exciting than others, and remains something I’d like to do if I ever get an opportunity. That was to set up a platform or a service, to help Indian companies, or any company for that matter, to develop business in Africa, and guide them how to manage African initiatives.

I think, I’ve already mentioned before, that doing business in Africa as a whole, and some countries in APAC is nothing short of a fine art. There is no science in it, just art and finesse.

See? I drifted again, sorry. Anyway, I’m headed to Singapore and Ram has been the perfect host. We talk a lot, about life, personal and professional, we open up to each other. He talks about Bank-Genie, how it started. We drink a bit, we get to know one another, and at some point he kinda pops it on me. Why don’t you come work with us?

The company and its prospects seem quite interesting, well conceptualised, but the role is that of a person who can do some serious heavy lifting. Something I have always done and can do with my eyes closed and my hands tied behind my back, but I’m not really looking at a “heavy-lifting” role, so I’m a bit iffy. But all in all and interesting opportunity.

The thing I was quite upfront about is the compensation, and quite transparently I caution him that he should deliberate carefully as I don’t come cheap, and paying me or someone like me, would put a dent in the books.

I head back to India, we keep in touch, we talk numbers, and we go back and forth a lot, we both jockey for position, and finally after being at this for a month we arrive at a middle ground. I agree to a fixed compensation component less than what I want, deserve, am capable of earning, and he takes a couple of steps up, and finally we are agreed on the numbers, and all that remains is to ink the deal.

The other thing that I was a bit concerned about was the location. Mysore! Small town, deep south, nothing much going on, I’m a city boy and have lived and worked in four continents and lived in five major internationally acclaimed cities. How in the name of hell will I live in Mysore? But that’s a non-negotiable item, and so i finally relent. Taking a huge leap of faith, I head on over to Mysore, even before a contract has been signed, and technically I’m on board October 4th.

Four days later I’m headed to Singapore once again, this time to meet the investors who want to eyeball this so called “heavy-hitter”, with the concern that having come from a pedigree international bank, I may not be able to hack the transition to the startup realities. Ha, Ha!!!

I’m presenting a four day view of the company, and what my four day impressions are, what I make of the COO role, and what I think I have cut out for me. The presentation goes down well, and I still have a job (save a little job threatening episode in the first week itself) so I’m guessing I’ve done something right.

It’s now almost two years coming up in a few short weeks, and the journey has been great. Amazing in fact. The company grows from strength to strength…..we have overcome some hairy challenges and taken a few hard knocks, but always rallied and always overcome. The hours are long, the hands a few too less, but do I wake up raring to go? Absolutely! All this combined with visiting and experiencing new countries, is nothing short of a heady mix, a kind of a perpetual high, and no I having been smoking!

Working – The Road Warrior>

We are Now at an inflection point, with tremendous upside.

Along the way, what has built up is trust, a good working relationship, one where the CXO team relies and leverages off the strengths of the others, and compensates where required. The team is superlative in terms of their efforts, loyalty and feeling of belonging, and this is the ONLY place I’ve worked at thus far, where I’ve never had to crack the whip on a development team. The work just gets done, as if by magic, and that’s something that is really rare and something I cherish. I’ve never even had to even once request someone to stay late and finish work, or please come over the weekend. If there is work, nothing needs telling, it just gets done!

Whatever happened to the apprehensions about being based in Mysore? If I say I’m in heaven, that would obviously be a gross misstatement, but what’s not to like? Clean air, almost no traffic, cycling heaven (yes this is in heaven category), heart of Karnatic Music and Arts, peace and quiet to get work done, no long commute to and back from work, really inexpensive, delicious southern cuisine. In short no more apprehension, quite the opposite, I love it!

What next? For me? For Bank-Genie? I guess I’m at an inflection point as well, a fork in the road of sorts. On the one hand I completed fifty seven years this year, so I’d like to sit back, write, ride my bicycle, study, read, mentor, teach Students about the real world they are about to venture into (they are ill equipped to survive and succeed) and distribute the learning’s from a working life that started at the age of 18 years. Whereas on the other hand, I stay the course and bring this baby to term, watch it grow, and once it starts running at speed, recede into the shadows or the background, and be available as a counsel or sounding board as and when called.

All going as planned, I’m leaning more towards bringing the baby to term and beyond as there is real traction here, a tremendous opportunity. An opportunity for everybody at Bank-Genie to fulfil their potential, and an opportunity for Bank-Genie to be recognised as a formidable name as a FinTech that services the needs of banks both big and small, the microfinance eco system, and an opportunity for the CXO team to create a foundation for the nextgen to take to higher levels.

These are opportunities are seldom present themselves at large corporates and are available almost exclusively at the startups, smaller firms and companies, the ones fraught with challenges, yet most satisfying to ones soul. I’d pick a startup any day, and I’d urge students to take up roles at startups, for what you will learn at a startup is something no school will ever come close to teaching, and that is my next blog post. Look out for it. Cheers!

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