Headline

Senior PM @ Mobikwik • Fintech & Merchant Payments | UPI, Settlements, Onboarding | Ex-Zomato | MDI Gurgaon

About

I build and scale merchant fintech platforms — the systems that move money, onboard businesses, and keep payments reliable at scale. Over 8+ years at MobiKwik I've grown from APM to Senior Product Manager, owning merchant settlements & payouts, field sales tooling, onboarding, and lending. A few results I'm proud of: • Cut settlement failures 95% and advanced payout initiation from 10 AM to 5 AM • Increased field-team productivity 5x in 2 months via a new Field Sales Management platform • Reduced merchant onboarding from ~1 day to 3–5 minutes • Lifted merchant retention 10–15% with Instant Settlement and pricing controls I work across engineering, ops, business, and compliance to turn manual, ops-heavy workflows into scalable self-serve systems.

Location

India

Work experience

Senior Product Manager at MobiKwik, Feb 2021 - Present · 5 yrs 6 mos, Gurugram, Haryana, India, Rebuilt the end-to-end merchant settlement & payout platform (online + offline), leading a full backend revamp and high-TPS bank API integrations — cut settlement failures 95%, advanced payout initiation from 10 AM to 5 AM, and reduced payout generation time from 10 hrs to under 2 hrs. Launched the Field Sales Management (FSM) platform for real-time tracking of field agents, devices, and performance — increased field-team efficiency and productivity 4× within 2 months. Automated the payout pipeline with system-triggered settlements, an adjustment flow, and a pre-funding system, removing manual intervention and significantly reducing daily ops effort. Redesigned the Merchant App to surface transactions, settlements, refunds, and device health — cut inbound support calls 25% and improved merchant self-service. Led a cross-functional redesign of merchant onboarding, collapsing onboarding time from ~1 day to 3–5 minutes and improving activation and time-to-revenue. Diagnosed and fixed systemic UPI failures (Online & Pocket UPI) by optimising retry and error flows — raised success rates 15% and grew active UPI merchants 10% MoM. Stood up the merchant service & support architecture (self-serve dashboard, automated workflows, Salesforce integration) — reduced complaints and support calls 50% within 3 months. Launched Instant Settlement and merchant pricing controls, driving an 8–10% lift in transactions and a 10–15% improvement in retention.

Product Manager at MobiKwik, Oct 2019 - Jan 2021 · 1 yr 4 mos, Scaled Instant Wallet Loan 20× to ₹60 Cr in monthly disbursals, driving wallet engagement and a new direct-revenue line. Launched a portfolio of direct-to-customer products (extended warranty, insurance, virtual & health cards), unlocking new monetization streams. Drove post-purchase cross-sell for Bajaj Finserv consumer-loan users, improving product attach rates.

Associate Product Manager at MobiKwik, Feb 2018 - Sep 2019 · 1 yr 8 mos, Gurgaon, Haryana, India, Built and launched Instant Wallet Loan from 0→1 (₹5K & ₹10K tickets), enabling instant wallet credit in 3 steps — the product later scaled 20×. Enhanced the MobiKwik–Bajaj co-branded app with new variants, lifting customer acquisition 15% within 3 months.

Senior Sales Manager - Advt Sales at Zomato, Aug 2017 - Jan 2018 · 6 mos, Gurgaon, India, Grew advertising revenue 35% MoM through data-driven campaign optimization. Improved team efficiency 23% by redesigning lead-management and bandwidth-allocation processes. Onboarded and managed restaurant partners, maximizing their value through targeted marketing and promotions.

Sales Manager - Book a Table Business at Zomato, Oct 2015 - Jul 2017 · 1 yr 10 mos, Delhi NCR

Sales Associate at Zomato, Jun 2015 - Sep 2015 · 4 mos, Gurgaon, India

Education

Executive MBA, Management, Management Development Institute, Gurgaon

Bachelor of Business Studies-BBS, Delhi University