Biography of Sabyasachi Goswami: Co-Founder & CEO of Perfios Software Solutions
Biography of Sabyasachi Goswami:
Sabyasachi Goswami serves as the CEO of Perfios Software
Solutions, where he leads the company in providing financial data aggregation
and analytics solutions. His role involves guiding the organization towards
innovation and growth in the fintech industry. Sabyasachi's journey to becoming
a CEO is supported by a solid educational background. In 2022, he attended the
Stanford University Graduate School of Business, a globally renowned
institution, where he further developed his leadership and management skills.
Early Academic Pursuits
His educational path started even earlier at DBMS
Jamshedpur, where he completed his ICSE. This foundational education set the
stage for his future success in higher education and his professional career. Sabyasachi's
academic journey began at SP College, where he earned a Bachelor's Degree in
Accounting, Finance, and Economics between 1997 and 2000. During his time
there, he was an active member of the Commerce Association, reflecting his
early interest in the business field.
Prior to his time at Stanford, Sabyasachi studied Business
Management, Marketing, and Finance at the Symbiosis Institute of Management
Studies in 2002. This education laid the groundwork for his understanding of
business dynamics and financial strategies.
Early Career and Entry into FinTech
Sabyasachi Goswami began his journey in the FinTech and IT
sectors as the Regional Sales Director for the Middle East and APAC regions at
Sunoida Solutions, based out of Dubai. This role provided him with a robust
foundation in enterprise sales and business development, particularly in the
rapidly evolving technology landscape. Before joining Sunoida, Sabyasachi had
already amassed significant experience working with leading banks such as Axis
Bank, Standard Chartered, IDBI, HDFC, and Citi. These roles not only honed his
expertise in banking but also instilled in him a deep appreciation for how
technology could transform the financial services industry.
Early Career at Citi
Sabyasachi began his career at Citi as a Territory Sales
Manager, where he developed foundational skills in sales management and
business development. His diverse experience in financial services and strong
educational background have equipped him to lead Perfios Software Solutions
effectively.
Experience at IDBI Bank and HDFC Bank
Sabyasachi’s career also includes significant roles at IDBI
Bank and HDFC Bank. At IDBI, he launched the PL business in MP and managed
profitability and productivity. At HDFC, he served as the City Head for
Gujarat, overseeing sales performance, channel development, and team
management.
Position at Kotak Mahindra Bank
At Kotak Mahindra Bank, Sabyasachi was the Location Head for
Personal Finance, managing the personal finance business in the East region. He
was responsible for developing sales plans, expanding distribution channels,
and ensuring effective training and compliance.
Biography of Sabyasachi Goswami: Co-Founder & CEO of Perfios Software Solutions/Entrepreneur/Startup/Success story of Sabyasachi Goswami/Life story
Roles at Standard Chartered Bank
During his tenure at Standard Chartered Bank, Sabyasachi
held multiple key positions including Regional Sales Manager for the West
region, Head of Strategy for Cards and Employee Banking, and Regional Sales
Manager for the South region. He focused on driving business growth, creating
sales strategies, managing P&L, and optimizing channel utilization.
Career at Axis Bank
At Axis Bank, Sabyasachi served as the Head of Sales for the
Affluent Business in India from January 2014 to May 2015. He was instrumental
in defining business strategies, managing P&L, and driving innovations in
premium products. His role involved building market leadership in the Affluent
Card space, enhancing customer experiences through strategic alliances, and
developing online sales channels.
Joining Perfios and Early Contributions
In 2016, Sabyasachi joined Perfios Software Solutions, a B2B
SaaS company, when it was still a pioneering startup. His early involvement was
crucial in transforming Perfios from a nascent idea into a leading player in
the BFSI sector. His deep domain knowledge, combined with his sales and
business development expertise, allowed him to introduce innovative solutions
that quickly gained traction in the market. Sabyasachi’s efforts in building a
strong foundation for Perfios were instrumental in its early success, as the
company started to establish itself as a trusted partner for banks and
financial institutions.
Leadership and Customer-Centric Approach
As Sabyasachi rose through the ranks at Perfios, his
leadership style became characterized by a strong emphasis on customer
centricity. He understood that in order to succeed in the competitive BFSI
sector, the company needed to place the customer at the center of everything it
did. This focus on customer satisfaction helped Perfios build long-lasting
relationships with industry players, which in turn fueled the company’s growth.
Under his leadership, Perfios became known for its ability to deliver solutions
that not only met but exceeded customer expectations.
Taking the Helm as CEO
In August 2022, Sabyasachi was appointed CEO of Perfios. His
promotion to the top position was a natural progression, given his significant
contributions to the company’s growth. As CEO, Sabyasachi continued to drive
innovation while maintaining the company’s strong focus on profitability and
sustainable growth. He understood that while growth was important, it should
not come at the expense of the company’s financial health. This balanced
approach became a cornerstone of his leadership as he guided Perfios through
its next phase of expansion.
Expanding Global Footprint
One of Sabyasachi’s key priorities as CEO was to expand
Perfios’s global footprint. The company had already established a strong
presence in India, but Sabyasachi saw opportunities for growth in other regions
as well. Under his leadership, Perfios expanded its operations to 18 countries,
including regions in Southeast Asia, the Middle East, and Africa. The company
also began exploring opportunities in the United States, with the aim of
becoming a global leader in the SaaS-based BFSI sector.
Innovation and Product Diversification
Sabyasachi placed a strong emphasis on innovation, believing
that it was key to staying ahead in the competitive fintech landscape. Under
his leadership, Perfios continued to develop disruptive products that addressed
the needs of the BFSI sector. He also prioritized diversifying the company’s
product portfolio to ensure that it could cater to a wide range of customers.
This focus on innovation and diversification helped Perfios stay relevant and
maintain its competitive edge in the market.
Focus on Underserved Sectors
In addition to expanding into new geographies, Sabyasachi
was committed to building solutions for sectors that were underserved by
current offerings. He believed that there were significant opportunities in
these areas, and by developing innovative products, Perfios could tap into new
markets. This approach not only helped the company grow but also contributed to
the overall development of the BFSI sector by providing solutions that addressed
previously unmet needs.
The Road to IPO
While growth and expansion were key priorities, Sabyasachi
maintained that the company’s focus should remain on building sustainable and
profitable operations. He believed that an IPO would be a natural outcome of
the company’s success, but it was not something that should be pursued at the
expense of the company’s balance sheet. Instead, he emphasized the importance
of focusing on long-term growth and profitability, which would ultimately lead
to a successful public offering when the time was right.
Building a Culture of Innovation
Sabyasachi recognized that in order to sustain innovation,
it was important to build a culture that encouraged creativity and
collaboration. At Perfios, he established a Venturing and Emerging Products
Group (VPG) that was empowered with the resources and support needed to develop
groundbreaking solutions. This group played a key role in driving innovation
within the company, ensuring that Perfios remained at the forefront of the
fintech industry.
The Importance of Measuring Innovation
Sabyasachi believed that innovation should not only be
encouraged but also measured. He introduced frameworks within the company to
evaluate the effectiveness of its innovation efforts. This included assessing
leadership’s commitment to funding game-changing projects, measuring employee
participation in innovation initiatives, and gathering customer feedback on new
products. By implementing these metrics, Sabyasachi ensured that the company’s
innovation efforts were aligned with its business goals.
Learning from Failure
Throughout his career, Sabyasachi has emphasized the
importance of learning from failure. He often cited Perfios’s early attempts as
a B2C company, which did not succeed, as a key learning experience. Instead of
viewing the failure as a setback, Sabyasachi used it as an opportunity to pivot
the company’s focus towards the B2B space. This shift ultimately led to
Perfios’s success in the BFSI sector, demonstrating the importance of resilience
and adaptability in business.
Staying Agile While Scaling
As Perfios grew from a small startup to a large organization
with over 1,500 employees, Sabyasachi stressed the importance of staying humble
and agile. He believed that as companies scale, they must continue to focus on
innovation and remain open to new ideas. By fostering a culture of continuous
learning and improvement, Sabyasachi ensured that Perfios could adapt to
changing market conditions and continue to thrive.
The Role of Risk in Innovation
Sabyasachi understood that innovation inherently involves
risk, but he believed that successful companies know how to balance risk with
reward. At Perfios, he encouraged calculated risk-taking, ensuring that the
company’s innovation efforts were aligned with its overall business strategy.
This approach allowed Perfios to innovate while maintaining its financial
stability, ensuring long-term success.
Success Through Collaboration
Sabyasachi often highlighted the importance of collaboration
in driving success. At Perfios, he fostered a culture where employees were
encouraged to share ideas and work together to solve problems. This
collaborative approach not only fueled innovation but also helped build a
strong, cohesive team that was committed to the company’s vision.
Future Vision and Leadership Philosophy
Looking ahead, Sabyasachi remains focused on leading Perfios
through its next phase of growth. His leadership philosophy emphasizes customer
centricity, sustainable growth, and continuous innovation. By staying true to
these principles, Sabyasachi is confident that Perfios will continue to lead
the way in the BFSI sector, delivering value to its customers and stakeholders
alike.
A timeline of Sabyasachi Goswami’s career and key
milestones:
1997-2000: Bachelor’s Degree in Accounting, Finance, and Economics from SP College.
2002: Business Management, Marketing, and Finance at Symbiosis Institute of Management Studies.
Citi: Territory Sales Manager.
IDBI Bank: Launched PL business in MP.
HDFC Bank: City Head for Gujarat.
Kotak Mahindra Bank: Location Head for Personal Finance.
Standard Chartered Bank: Regional Sales Manager and Head of Strategy.
Axis Bank: Head of Sales for the Affluent Business.
2016: Joined Perfios Software Solutions.
August 2022: Appointed CEO of Perfios.
2022-2024: Expanded Global Footprint to 18 countries.
Broadened Perfios’s market reach, including Southeast Asia,
the Middle East, Africa, and exploring the U.S.
