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Second in Command: The Chief Behind the Chief with Cameron Herold

Ep. 494 - Rina Jariwala - Bold Moves and Personal Evolution in the World of Fintech

Second in Command: The Chief Behind the Chief with Cameron Herold

Second in Command with Cameron Herold

Entrepreneurship, Business, Management, Careers

4.5 • 1.6K Ratings

🗓️ 22 July 2025

⏱️ 42 minutes

🧾️ Download transcript

Summary

What does it really take to steer a fintech through a growth reset—and come out stronger? In today's episode of the Second in Command podcast, Cameron is joined by COO Rina Jariwala, who takes us inside the transformation of Fundbox, where operational precision meets people-first leadership.

In this insightful conversation, Rina shares a compelling journey through rapid growth, transformation, and the challenges of steering a company toward profitability. You'll get an inside look at the strategic pivots and cultural shifts necessary when a high-growth organization recalibrates its priorities to build a sustainable and thriving future. The discussion reveals how transparency, clear goals, and leadership resilience play pivotal roles in navigating tough transitions.


Beyond the company’s financial and operational evolution, you'll hear about the nuances of leadership itself. Rina reflects on the importance of execution over theory, the emotional intelligence required to manage diverse demands, and the continuous learning mindset that fuels personal and professional growth. The exploration of coaching as a vital leadership skill—contrasting it with mentoring—highlights how fostering curiosity and empowerment can transform teams and organizations alike.


This episode offers inspiring insights into how leaders can cultivate trust, build culture, and approach challenges with grace and determination.


Want more conversations like this—where coaching meets execution? Follow the show and get inside the minds of next-gen operators. If you've enjoyed this episode of the Second in Command podcast, be sure to leave a review and subscribe today!


Enjoy!



In This Episode You'll Learn:


  • The importance of empathy and understanding Rina's team's motivations, which she believes are crucial for effective leadership.


  • The underwriting process, which involves analyzing data from small businesses to provide quick funding decisions.


  • Fundbox's growth strategy, focusing on platform and distribution partners that serve a multitude of small businesses. 


  • The cultural shift required to achieve profitability and the importance of maintaining a strong team.


  • Rina's journey of pursuing a master's degree in leadership and organizational development with an emphasis on executive coaching.


  • And much more...



Guest Bio:


Rina Jariwala is the Chief Operating Officer of Fundbox, known for her authentic, high-energy leadership and a passion for driving operational excellence. With extensive experience across technology, data, and service delivery, Rina specializes in turning around organizations and helping them reach peak performance. She excels at elevating service delivery, improving efficiency, and driving profitability through strategic planning and seamless execution. A dynamic communicator and influential leader, she motivates high-performing teams, spearheads complex process improvements, and fosters cross-functional collaboration. Her key strengths include business process re-engineering, change management, coaching, and organizational development. With a strong focus on customer impact and innovation, Rina brings a bold, people-centered approach to operational leadership that consistently delivers lasting results.


Resources:


Connect with Rina: Website | LinkedIn


Connect with Cameron:

Transcript

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0:00.0

Let's imagine a small business owner who is looking for access to working capital. If they went to

0:04.8

their bank, they'd have to give their tax returns, their paycheck stubs, maybe a sample of their

0:09.9

blood in their firstborn kid's name, right? Like it's a very long process. It can take months of

0:16.1

cycling back and forth only to potentially get denied, right? Because the banks just don't service this area.

0:22.3

Here at one box, what happens is because we are embedded in the different ecosystems that small

0:28.8

businesses do their work in, maybe they're accounting books. Like we're embedded into the Intuit

0:33.4

ecosystem, right? We are getting all that access to data around that small business up front.

0:39.7

We're seeing their cash flows, their inflows, their outflows, and everything like that.

0:42.9

We are able to underwrite them and offer them that working capital. And it's very little friction.

0:49.9

It's very fast. Our underwriting decisions are done within minutes, and they're getting access

0:54.8

to that capital is quickly as same day with our real-time payment.

1:04.2

Welcome to the Second and Command podcast, produced by the C-O Alliance and brought to you by

1:10.6

its founder, Cameron Harold.

1:12.8

In the second in command podcast, we talk to top COOs who share the insights, strategies,

1:18.5

and tactics that made them the chief behind the chief. And now, here's your host, Cameron Harold.

1:29.1

All right, our guest today is a firecracker.

1:31.8

She is the C.O.O. of Fundbox, an incredible financing company based in the U.S.

1:37.1

expanding globally.

1:38.7

Rina Jarawala is the C.O. of Fundbacks.

1:41.3

She oversees a broad portfolio portfolio including partner and customer operations,

1:45.9

sales, support, collections, and revenue functions. She also serves as a manager of the company's

1:51.2

Dallas office. She's a small business owner herself, and she combines deep operational expertise

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