Headline

Product & Platform Leader | FinTech, Payments & Lending Systems | APIs, Digital Banking & AI-led Credit

About

Senior Product & Platform Leader with deep experience building and scaling enterprise-grade fintech, payments, lending, and digital banking platforms across banks, NBFCs, and high-growth fintech organizations. I specialize in owning large, regulatory-grade platforms end to end—from product vision and roadmap to execution, audit readiness, and scale. Over my career, I’ve led mission-critical lending and payment ecosystems, including national payment rails and API-first platforms trusted by millions of users and multiple financial institutions. My work consistently sits at the intersection of business, technology, and regulation, where I translate complex financial ecosystems into scalable, resilient, and revenue-driving platforms. What I’m Known For Building Loan Origination and Loan Management Systems for banks and NBFCs Scaling payments and lending platforms with high availability and regulatory compliance Driving AI-led underwriting, automation, and risk optimization Reducing turnaround times, incidents, and operational friction through platform design Leading large cross-functional teams across product, engineering, risk, and operations Delivering audit-ready, regulator-compliant systems with strong governance frameworks Impact Highlights Owned and scaled large lending portfolios across multiple loan products Significantly improved credit decisioning speed and customer onboarding efficiency Accelerated platform launches through automation and AI-driven workflows Enabled substantial asset growth through digital partnerships and integrations Delivered meaningful cost optimization through platform and infrastructure improvements Focus Areas Product Strategy • FinTech Platforms • Payments & Lending • APIs as a Service • Digital Banking • AI in Credit & Risk • Platform Scaling • Regulatory Compliance • B2B & B2C SaaS

Location

Bengaluru

AI stack

openai

Work experience

Product Lead - Platform at Aumnee, Sep 2025 - Jan 2026 · 5 mos, Bengaluru, Karnataka, India, Own end-to-end product strategy and delivery for Loan Origination and Loan Management platforms serving NBFCs and partner banks Lead development of scalable lending systems across multiple secured and unsecured loan products Designed underwriting trust layers integrating policy engines, risk checks, and automation, significantly improving turnaround time Implemented AI-led migration and onboarding workflows, accelerating partner go-lives Partner closely with engineering, risk, compliance, and operations teams to deliver regulatory-compliant, audit-ready platforms

VP - Strategy & Products at Kinara Capital, Aug 2024 - Feb 2025 · 7 mos, Bengaluru, Karnataka, India, Led the end-to-end product management function, owning vision, roadmaps, execution, and delivery Managed and mentored a large cross-functional team across product, engineering, and operations Stabilized a newly launched Loan Management System, resolving critical failures and compliance gaps Built AI-driven alternative credit underwriting models, improving portfolio quality Automated customer operations, drastically improving service turnaround times Strengthened monitoring and analytics, significantly improving detection and resolution of incidents Drove strong asset growth through digital partnerships and platform integrations

Group Product Manager - Consumer Products at Paytm Payments Bank, May 2023 - Aug 2024 · 1 yr 4 mos, Bengaluru, Karnataka, India, Led launch of key fintech innovations across wallets, interoperability, and payment blocks Improved customer engagement and adoption across multiple consumer payment journeys Delivered a strategic continuity solution during regulatory constraints, ensuring uninterrupted UPI and QR operations Streamlined refunds and dispute handling across UPI, cards, and instant payments Reduced financial leakages and accelerated chargeback resolution cycles Led migration to modern payment standards, improving transaction reliability and throughput

Senior Product Manager at Publicis Sapient, Apr 2022 - Apr 2023 · 1 yr 1 mo, Bengaluru, Karnataka, India, Owned end-to-end development of a real-time payments platform serving a large daily active user base Defined product roadmaps, OKRs, and delivery plans aligned with client and business goals Collaborated closely with engineering and architecture teams to deliver API-driven payment solutions

Student - IPMX (1 year full time MBA for Executives) at Indian Institute of Management, Lucknow, May 2021 - Apr 2022 · 1 yr, Noida, Uttar Pradesh, India, 1 year, on campus full time MBA

Education

Master of Business Administration - MBA, General Management, Indian Institute of Management, Lucknow

B.Tech, Electrical Engineering, National Institute of Technology Durgapur