Malini Sindhu Varma

Overview

I started Karma Finance to fix consumer finance for teams who were tired of the workarounds. Previously built and sold a small consumer finance company. Most at home with consumer fintech and growth.

Checks messages twice a week

Experience

1. Co-founder & COO

   Oct 2025 - Present
   Karma Finance · 1 yr · Full-time · Noida, India
   • Signed 386 paying customers, 12 of them enterprises.
   • Took Karma Finance from zero to $9 million ARR.
2. Senior Product Manager

   Apr 2022 - Jun 2025
   KPMG · 3 yr 2 mo · Full-time · Noida, India
   • Killed 6 features nobody used and shipped the 4 that customers asked for.
3. Associate Product Manager

   Aug 2019 - Apr 2022
   Larsen & Toubro · 2 yr 8 mo · Full-time · Noida, India
   • Ran 139 customer interviews before writing the first spec.
   • Killed 3 features nobody used and shipped the 4 that customers asked for.
4. Associate Product Manager

   Aug 2017 - May 2019
   KPMG · 1 yr 9 mo · Full-time · Noida, India
   • Grew lending revenue from $1 million to $43 million ARR.
   • Cut time-to-first-value for new lending customers from 21 days to 1.
5. Product Manager

   Jul 2014 - Apr 2017
   Accenture · 2 yr 9 mo · Contract · Noida, India
   • Launched the lending product in 3 markets.
   • Took lending activation from 21% to 49% in three quarters.

No references yet.

Education

1. Narsee Monjee Institute of Management Studies

   MBA, Business Administration
   2014 - 2016
2. St. Xavier's College, Mumbai

   B.A., Engineering
   2007 - 2011