9. Operations and team design
Sub-pages
Section titled “Sub-pages”| Page | Covers |
|---|---|
| 9.1 Org design | Functions, reporting structure, principles |
| 9.2 Headcount by AUM | Suggested staffing at ₹30 / ₹100 / ₹300 Cr book |
| 9.3 KPIs and failure modes | What to measure per function; what kills each function |
Operating principles
Section titled “Operating principles”- Lean at MVP, layer specialism as scale arrives. Hiring ahead of need destroys cash.
- Compliance and risk are first-class functions, not check-the-box afterthoughts.
- Operations and engineering co-located — operations should influence the product daily.
- Outsource non-differentiating ops (recovery agents, FI, KYC vendor management beyond contracts).
- Build a culture of audit-readiness — everything documented, every change reviewed, every metric measured.