About The Brand

Snitch is a fast-fashion, digital-first menswear brand known for its trend-led collections and rapid design-to-launch cycles. Built to move fast, Snitch’s retail expansion demanded finance operations that could scale with the same speed and discipline.

The Challenge

As Snitch expanded to 54 outlets, store-level expense management became increasingly complex.

• Expenses were handled through manual transfers to store managers, followed by reimbursement and reconciliation.

• Employees submitted paper invoices, which finance teams had to manually validate, reconcile, and approve.

• There was no centralized platform or dashboard to track spend in real time.

• Approval cycles stretched 15–30 days, depending on store location.

• Finance lacked clarity on why funds were transferred, how they were spent, and under which expense heads.

• Budgeting was flat across stores, despite differences in store size, format, and geography.

The result was fragmented visibility, high reconciliation effort, compliance risk, and a process that was not scalable for future growth.

Why Zaggle?

Snitch needed a solution that would:

• Eliminate manual follow-ups and cash handling

• Provide real-time visibility across all stores

• Strengthen audit readiness and compliance

• Enable smarter, data-driven budget allocation

Zaggle offered a unified, digital platform that combined controlled spending with analytics and governance.

The Solution

With Zaggle, Snitch transformed how store expenses were managed:

• Store managers were issued Zaggle cards with UPI capability, pre-loaded with approved budgets.

• Expenses were made directly from the card, with invoices uploaded instantly against each transaction.

• Finance teams accessed a centralized dashboard to review, approve, and reconcile expenses in real time.

• All spends were auto-mapped to expense heads, enabling structured categorization and reporting.

• Approvals and documentation were digitized, creating a clear audit trail.

Impact

1.Faster Approvals & Operational Efficiency

• Approval timelines reduced from 15–30 days to under 24 hours.

• Expense processing time reduced from ~3 hours to 30 minutes per cycle.

• Approvals and reimbursements now take less than 5 minutes per request.

• Approximately 130 hours saved per month for the finance team.

2.Audit Readiness & Compliance

• Finance teams now remain continuously audit-ready, with real-time documentation and approval trails.

• Clear visibility into who spent, why it was spent, and under which expense head.

• Significant reduction in duplicate, unaccounted, or unsupported expenses

3.Spend Intelligence & Better Budget Allocation

• Store-level spend trends are now tracked and analysed by category and employee.

• Finance can compare spend patterns across stores of different sizes and locations.

• Budgets are no longer flat; they are allocated dynamically based on actual store behaviour and requirements.

• Insights help identify where allocations need to be increased or optimized.

Snitch Speaks

“We now have deeper visibility into our budgeting and spending patterns. Zaggle’s spend analysis helps us with insight-driven budget allocation, enabling us to track every single store-level expense with accuracy and stay audit-ready at all times.”

- Naveen Jain S L, Head of Legal and Treasury, Snitch