One Indian described a dramatic career turnaround—from earning ₹21,000 per month till closing a ₹60 million crowns – he attributes his success to years of field-level experience and a single life-changing conversation during a “rainy night”.
In a post on Reddit, the man looked back on a moment five years ago when he stood in the rain with a backpack full of documents and couldn’t even afford a basic raincoat. The polytechnic diploma holder in mechanical engineering entered the job market shortly after Covid when job opportunities were limited.
With few options available, he took a position called “Document Executive” at a financial firm.
“My job was to collect files from clients, check papers and submit them to banks. For 4.5 years I was the guy running around Delhi in the summer heat and winter fog,” he wrote.
Read also | Indian-origin man earns ₹18,000 per hour at AI firm while balancing multiple roles
During that period, he said, he gained a deep knowledge of the banking system — learning which documents raised objections, which bank managers rejected files and how cases could be structured to avoid delays.
Inside the office, however, the experience was very different. “While I was sweating outside, my team members sat in the air conditioning, chatting and flirting with management. After two years, they got a 40% rating. I got ₹2000 hikes. My salary went from ₹18 thousand ₹21k,” he shared. Here is the link to the viral post
A turning point
According to him, the turning point came one evening when heavy rain forced him to wait in the chartered accountant’s office. Feeling overwhelmed, he opened up to CA, who had worked with him for years. The subsequent advice proved to be crucial.
Read also | A man earns ₹6,000 for providing ’emotional support’ to rich women
“He looked at me and said something that changed my engagement: ‘Beta, you know the process better than the people sitting in the bank. You have a relationship with the clients. Why are you acting like an employee? Start sourcing.’
CA then proposed a partnership. If the man obtained the files independently, they would be processed through CA codes and the payout would be split equally.
Encouraged, he quietly began handling small financing cases alongside his work, sharing commissions with CAs. Over time, his confidence grew – until the big opportunity came.
“Then the monster leadership came in. I need one of my old contacts.” ₹50-60 million per project quickly. The banks dragged their feet. He told me, ‘If you get it in 3 weeks, I’ll give you 2%,'” he wrote.
Read also | Indian YouTube channel Bandar Apna Dost is making huge money and cashing in amid the AI boom
He worked almost around the clock, carefully structuring the case and using his knowledge of banking processes and contacts. The loan was paid on time.
From that single trade, he said he made between ₹45 million and ₹70 lakhs. “I stared at the numbers in my account. It was more money than I would have made in 20 years at my old job,” he wrote.
Soon after, he resigned and formally registered his own company. Today he works as a full-time financial consultant, dealing with project and equity financing, mergers and acquisitions, large B2B loans and commercial real estate deals involving hotels and hospitals. According to him, his annual sales are now on par ₹1–2 million.
Reflecting on his experience, he said the work remains stressful and unpredictable, but practical knowledge and relationships are most important.
“If you’re stuck in a job doing the ‘grunt work’ while others get the credit, remember this: You’re the one learning the real skills. You’re the one building the relationships,” he said.
(This report is based on user-generated content from social media. Livemint has not independently verified and does not endorse these claims.)
