Profile picture of Akshit Kumar Gupta
Akshit Kumar Gupta
Fintech Product Manager | Ex- Niyo, Paytm | IMI - New Delhi
Follow me
Generated by linktime
January 17, 2025
𝐈𝐬 𝐏𝐚𝐬𝐬𝐢𝐨𝐧 𝐑𝐞𝐚𝐥𝐥𝐲 𝐓𝐡𝐚𝐭 𝐈𝐦𝐩𝐨𝐫𝐭𝐚𝐧𝐭? Ever wondered if we put too much pressure on ourselves to "follow our passion"? But that doesn't mean we shouldn't look for work that interests us. Let me share my story. 𝐈𝐭 𝐒𝐭𝐚𝐫𝐭𝐞𝐝 𝐰𝐢𝐭𝐡 𝐚 𝐒𝐢𝐦𝐩𝐥𝐞 𝐁𝐚𝐧𝐤𝐢𝐧𝐠 𝐏𝐫𝐨𝐛𝐥𝐞𝐦 My father worked at BHEL, and like most middle-class families, he kept the savings spread across various public sector banks - the classic 'safe' approach. As a teenager, I was the bank errand runner, spending hours in queues: withdrawing money, updating passbooks, dealing with signature mismatches, missing staff, and endless paperwork. I could not believe how something as basic as banking could be so frustratingly complex and time-consuming. 𝐌𝐲 𝐅𝐢𝐫𝐬𝐭 𝐁𝐫𝐞𝐚𝐤: 𝐁𝐮𝐢𝐥𝐝𝐢𝐧𝐠 𝐏𝐚𝐲𝐭𝐦 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐁𝐚𝐧𝐤 I applied at Paytm. During my Paytm interview, they asked what I knew about the company. I mentioned reading about their new Payments Bank license. The next thing I knew, I was one of the first members of the team building Paytm Payments Bank! I worked with a small team building a digital bank that could bring underserved Indians to the mainstream economy for the next 3 years. Those were some of my best years at work. After Paytm, I kept working on interesting problems in Fintech. At Ridlr, I worked on the National Common Mobility Card (solving the traffic problem through fintech). At MMTC-PAMP, it was Digital Gold. At Niyo, I worked on a travel-focused bank. 𝐅𝐢𝐧𝐝𝐢𝐧𝐠 𝐏𝐫𝐨𝐛𝐥𝐞𝐦𝐬 𝐖𝐨𝐫𝐭𝐡 𝐒𝐨𝐥𝐯𝐢𝐧𝐠 After Paytm, I joined Ridlr to help eliminate metro station queues through QR-based ticketing and one card that would work across all transport modes. Eventually solve traffic problem in cities. Not all problems I wanted to solve became part of my work. I read about two people dying at a Ghazipur landfill near my home in Noida. Like people can die because of garbage? (https://lnkd.in/gMXfUeD2) I wanted to work on waste management but never got the chance but once came very close to working on it. Then came insurance - buying it was painful, claiming it was worse. While I never got to fix this professionally, I did explore solutions during a course project. 𝐖𝐡𝐚𝐭 𝐈 𝐑𝐞𝐚𝐥𝐢𝐳𝐞𝐝 𝐀𝐛𝐨𝐮𝐭 𝐏𝐚𝐬𝐬𝐢𝐨𝐧 Funny enough, I recently went to SBI to close a joint account with my grandfather. Nothing had changed in 20 years! Maybe I was naive and idealistic in thinking I could fix banking or solve public transport problems. That's okay. Keep your eyes open, read more, meet interesting people, learn from your experiences, and notice problems that frustrate you or others. You will find your passion. #RealTalk #FinTech #Banking #CareerLessons #PersonalGrowth Did you start with your passion or discover it while working? Or maybe we're thinking too much about finding passion in our work? Share your thoughts in the comments!
Stay updated
Subscribe to receive my future LinkedIn posts in your mailbox.

By clicking "Subscribe", you agree to receive emails from linktime.co.
You can unsubscribe at any time.

January 17, 2025
7 𝐋𝐞𝐬𝐬𝐨𝐧𝐬 𝐟𝐫𝐨𝐦 𝐦𝐲 𝐍𝐢𝐲𝐨 𝐄𝐱𝐢𝐭:(𝐒𝐨 𝐘𝐨𝐮 𝐃𝐨𝐧'𝐭 𝐋𝐞𝐚𝐫𝐧 𝐓𝐡𝐞𝐦 𝐭𝐡𝐞 𝐇𝐚𝐫𝐝 𝐖𝐚𝐲) During my Niyo exit, HR head of Niyo 𝐉𝐚𝐠𝐚𝐝𝐢𝐬𝐡 𝐁 promised full notice period payment for early relieving. Reality? They paid only till last working day and then ghosted. As the head of HR, his role was to provide transparency and ensure ethical treatment of employees. Here's what I learned: 1. 𝐄𝐚𝐫𝐥𝐲 𝐑𝐞𝐥𝐢𝐞𝐯𝐢𝐧𝐠 𝐑𝐞𝐚𝐥𝐢𝐭𝐲 Know the notice period rules: Companies can cut it short when you resign, but must honor it fully when they terminate. The initiator of the exit matters. But making false promises about payment? That crosses an ethical line. Prepare your finances for early exit and get ALL payment commitments in writing. 2. 𝐄𝐭𝐡𝐢𝐜𝐬 𝐇𝐚𝐬 𝐍𝐨 𝐇𝐢𝐞𝐫𝐚𝐫𝐜𝐡𝐲 When I specifically asked HR employee 𝐒𝐮𝐦𝐞𝐝𝐡𝐚 𝐒𝐚𝐱𝐞𝐧𝐚 about the payment, she confirmed they would settle the full notice period amount. She was present in the meeting with HR Head Jagadish B and backed his promises. Later, when confronted, she hid behind the excuse of being 'just a junior employee without authority. If you help mislead others, you're equally responsible. 3. 𝐋𝐞𝐚𝐝𝐞𝐫𝐬𝐡𝐢𝐩 𝐑𝐞𝐪𝐮𝐢𝐫𝐞𝐬 𝐂𝐨𝐮𝐫𝐚𝐠𝐞 Instead of admitting they wouldn't pay, they chose deception. True leaders face tough conversations. 4. 𝐊𝐚𝐫𝐦𝐚 𝐂𝐨𝐦𝐞𝐬 𝐀𝐫𝐨𝐮𝐧𝐝 When I tried to call 𝐉𝐚𝐠𝐚𝐝𝐢𝐬𝐡 𝐁 he said he is in meeting and would call after the meeting. When the HR head lacks courage to even take calls (3 months of "in meetings" now), it shows character. Stand up against fraud - it matters. 5. 𝐃𝐨𝐧'𝐭 𝐓𝐫𝐮𝐬𝐭 𝐄𝐦𝐩𝐭𝐲 𝐖𝐨𝐫𝐝𝐬 Despite founders 𝐕𝐢𝐧𝐚𝐲 𝐁𝐚𝐠𝐫𝐢 and 𝐕𝐢𝐫𝐞𝐧𝐝𝐞𝐫 𝐁𝐢𝐬𝐡𝐭 constant reminders of their employee-to-entrepreneur journey (to highlight empathy towards employees) and claims of '5 years of runway' in every townhall, their actions spoke louder: they couldn't even honor simple promises. 6. 𝐐𝐮𝐞𝐬𝐭𝐢𝐨𝐧 𝐅𝐨𝐮𝐧𝐝𝐞𝐫 𝐖𝐨𝐫𝐬𝐡𝐢𝐩 Creating jobs isn't enough if they're toxic. Many Indian startup founders prioritize business goals over ethics. Choose role models wisely. 7. 𝐘𝐨𝐮'𝐫𝐞 𝐕𝐚𝐥𝐮𝐚𝐛𝐥𝐞 𝐔𝐧𝐭𝐢𝐥 𝐘𝐨𝐮'𝐫𝐞 𝐍𝐨𝐭 Top ratings for 2 years meant nothing when their "values" were tested. Companies can flip overnight. This isn't about settlement anymore. It's about calling out a culture where leaders make false promises. Where ethics are preached but not practiced. Remember: If you can't face someone after making a promise, don't make that promise at all. Sharing my story so others don't have to learn these lessons the hard way. #StartupCulture #IndianStartups #WorkplaceEthics #LeadershipLessons #TechStartups Niyo Solutions Inc.
13 comments
January 7, 2025