top of page

Hello

If you are curious to learn about me, you are in the right place. I love what I do, and I have a good time doing it.

  • LinkedIn

A Career Snapshot

Work Experience

2023-Present

Senior Product Manager

PayU

Currently leading a team of PMs and Product Analytics to drive Product Excellence for the First Loan & Repeat Business for the Personal Loan Product, PaySense

​​

My direction is primarily centred around building onboarding Consumer sourced & Partner sourced users efficiently & building monetization

Delivered impact on

Monetization Optimization

  • Improving pricing personalization on product construct & journey offered to users by leveraging AI/ML models across defined customer segments

  • Managing risk by keeping eligibility process aligned with overall risk management direction

  • Adding new segments for repeat loans and building the necessary underwriting checks to ensure strong credit risk management


Journey Enhancements & Optimization

  • Ensuring timely assistance of users by implementing Lead Management platforms for operations teams and ensuring the implementation of new processes

  • Building new features in the journey to ensure accurate collection of information & customer intent to provide an appropriate credit line

  • Building new platforms to ensure acquisition & activation of users that ensure minimal drop-offs


Balancing Growth with

  • Ensuring that we follow key compliance, security & privacy guidelines. Implemented VKYC across PaySense with the aim of minimal conversion impact

  • Tech Excellence from a platform security, stability & cost optimization perspective


Reducing GTM for new products by
 

  • Building a new banking service that ensure payment transfers for consumer, merchant & partner payments in a safe & compliant manner

  • Building a fraud monitoring service that ensures that genuine users are serviced on our platforms

​

2021-2023

Senior Product Manager

MobiKwik

Created new sources of impact across the Wealth & Insurance, Recharge & Bill Payment, Fraud & Anti Money Laundering and Core Payment Verticals

Wealth & Insurance:
 

  • Founding PM for MobiKwik Xtra: Created MobiKwik Xtra from concept to release by collaborating with compliance, business, design, engineering and lending product teams.

  • Launched the ability for users to import & update their mutual fund portfolio statement seamlessly with the use of e-mail read feature


Recharge & Bill Payment
 

  • Increased the GMV of credit card bills paid on MobiKwik by launching credit card read functionality & building the reminder framework that leveraged Whatsapp


Fraud
 

  • Integrated best-in-class FRM tools & optimized rule performance to increase money saved across various channels from fraudsters

  • Built the AML risk categorization framework to ensure safety on platform and in line with regulation


Core Payment
 

  • Launched the Credit Card on UPI Feature - a first in industry for UPI

  • Launched the UPI Dispute & Redressal mechanism (UDIR), & Number Mapper feature

  • Reduced UPI activation errors by analyzing and solving for top contributing factors

​

2020 - 2021

Product Manager
Bajaj Capital

Led the strategy definition & execution of products that include:

Wealth
 

  • Defining and building a 0-1 integrative platform for Investment products (Fixed Income & Growth) with the aim of redefining the B2B2C & B2C experience for clients

  • Platform-level integrations & enhancements that supercharge the legacy platform for the Mutual Fund Business

  • Product Marketing for multiple Mutual Fund & Insurance Campaigns


Brand Building
 

  • FINtastic Talks - Founding Product Manager for a 0-1 C-Suite level Initiative that involves fireside chats between industry leaders with the aim of providing financial literacy to India

2014 - 2017

Senior Product Manager
Sam IT Solutions

Devised business strategy for a new portfolio of IoT products by conducting market analysis & evaluating integration plans across manufacturing industries

Key achievements:​​

  • Reduced processing time by 50% by switching payment gateway after investigation of performance metrics of 5 payment gateways

  • Increased business enquiries by 13% by building process flow and decision tree for a new chatbot to engage customers with the e-commerce page

  • Delivered a 10% increase in traffic to e-commerce IoT platform by benchmarking and implementing SEO best practices to improve page ranking over Google & Facebook

2014 - 2017

Product Manager
Honda

Built products & services that delivered positive impact on business performance, product-related liability concerns & customer experience across 200+ dealers in South India.

Key Achievements:

  • Launched online ERP & salesforce automation platform internally and across 217 dealers, achieving engagement target 3 months before schedule & closing project at 10% below estimated budget

  • Led software teams to troubleshoot 75% of UX issues of Honda ERP system within 3 days of receipt

  • Reduced by 21% of dead inventory in 10 high-priority dealers by building cross-dealer liquidation channels

  • Reduced billing & repair schedule related complaints by 14% by developing a mobile app to improve process visibility to customers across Tier-1 cities

2012 - 2014

Business Development Manager
Honda

Managed 6 dealers in high-growth markets, later adding 8 new dealers to the Global Honda Network.

Ensured service excellence for new dealers right from launch, ensuring service layout implementation, availability of trained workforce & implementation of load tested processes

Key Achievements:

  • Evaluated ROI for market expansion & augmented market presence of 14 dealers

  • Exceeded $10M revenue generation plan by 15% by building new supply chains between dealers & local workshops

  • Improving dealer productivity by 42% by instituting continuous improvement practices

  • Expanded sales of value-added services by 60% by identifying target segments & instituting new pricing strategy

  • Resolved 75% of technical concerns within the same day by accelerating information flow between dealer & engineering teams

Education

2017 - 2019

MBA

Carlson School of Management,

University of Minnesota - 

Twin Cities

Extracurricular leadership activities include:
​

  • Consultant at the Civic Consultant Group of Minnesota: Established a pipeline for future leaders who can champion departmental-level initiatives that span a $62M annual budget

  • Vice-President for Competition: Organised & conducted the Elite 8 Brand Management Case Competition, an annual competition with 8 participating universities to solve real-world business issues.

  • Intramural Soccer Team Captain (2018-2019)

  • Graduate Volunteer Consulting: Instituted SaaS enterprise software and spearheaded change management processes to improve volunteer management for a music school, generating annual cost savings of $17K

2008 - 2012

B.E - Mechanical Engineering

RV College of Engineering

Extracurricular leadership activities include:​​

  • Developed an innovative Non-Destructive Technique (NDT) approach to identify product flaws that involved the use of Extrinsic Fabry-Perot Interferometers under the guidance of Prof CRL Murthy (2012), erstwhile Sathish Dhawan Chair, Department of Aerospace Engineering, Indian Institute of Science, Bangalore

  • Rotaract Club District 3190 - Member

Book an Appointment

Setup a 30-minute call to discuss anything from resumes to career advice.

bottom of page