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Anirudh Gupta

Senior Product Manager | UPI & Payments | AI-led Product & Automation | Scaling Millions of Transactions | Bajaj Finserv

Pune Division

7+ years of work experience

Bajaj Finserv
Dec 20241 yr 8 mosPresent

Pune District, Maharashtra, India

- Leading the UPI business cluster at Bajaj Finserv, owning end-to-end P&L, platform performance, and growth initiatives across a platform processing millions of monthly transactions. - Led the decoupling of the UPI stack to treat On-us and Off-us transactions independently, enabling targeted error handling and allowing the team to switch off underperforming payment gateways without cross-team approvals, directly improving Success Rate. - Driving cross-sell orchestration across the UPI platform, managing a monthly cross-sell revenue contribution of ~₹15L through data-driven offer personalization without manual campaign intervention. - Own UPI PNL tracking and SR analysis across subcategories including loan repayment and BPS, identifying performance gaps and driving resolution through deep merchant and handle-level analysis.
Bajaj Finserv
Nov 20222 yrs 2 mosDec 2024

Pune District, Maharashtra, India

- Launched UPI Lite and RuPay Credit Card on UPI, defining transaction switching logic, performance KPIs, and user flows ensuring sub-1s processing and 99.9% platform availability. - Redesigned device binding logic using A-Shield replacing SIM selection, reducing binding failures and improving authentication success rate by 10% through retry mechanisms and SLA monitoring. - Partnered with acquirer banks, PSPs, and NPCI to expand ecosystem coverage and enable scalable routing and authorization flows. - Defined non-functional requirements including throughput, latency, and failover and embedded them into system architecture with engineering teams.
Bajaj Finserv
Jun 20211 yr 5 mosOct 2022

Pune Division, Maharashtra, India

- Developed NTB (New-to-Bajaj) customer acquisition strategy from scratch, contributing to ~30% of monthly credit card acquisitions through improved targeting and segmentation precision. - Automated the lead workflow by integrating Facebook and Google ad approvals directly into call center systems via Zapier, reducing lead TAT from T+1 to real-time and significantly improving conversion rates. - Improved ROAS by 65% and reduced customer acquisition cost by 35% through data-backed campaign optimization and audience segmentation. - Enriched the risk model by partnering with alternate data vendors using user tradelines, enabling more personalized and accurate credit offers. - Led UX research to uncover pain points in the credit card journey, directly informing backlog prioritization and product enhancements.
Self-Employed
Aug 202010 mosMay 2021

Sundar Nagar, Himachal Pradesh, India

Eigen Plus (EdTech) — ASO & Growth - Optimized App Store listing strategy for an EdTech app, improving Google Play Store keyword ranking from 5th to 2nd position for a target keyword, directly driving organic download growth. - Managed performance marketing campaigns on Google Ads and Facebook Ads Manager, handling end-to-end campaign creation, optimization, and reporting. - Reduced customer support requests by 2% through proactive community engagement and real-time issue resolution across online platforms. Ayurvigyanam — Social Media Marketing - Managed end-to-end Instagram marketing including content strategy, audience growth, and engagement campaigns for an Ayurveda-focused brand.
Hansa Research Group Private Limited
May 20191 yr 2 mosJun 2020

Bengaluru, Karnataka, India

- Led end-to-end qualitative research engagements across Food & Beverages, FMCG, Real Estate, Apparel, and Government sectors including a project for Niti Aayog. - Designed and executed primary research methodologies including Focus Group Discussions and Depth Interviews, translating raw consumer insights into actionable client recommendations. - Wrote research proposals, designed discussion guides, managed pan-India field operations across multiple centers, and delivered final debrief presentations to client stakeholders. - Improved data collection frameworks and survey logic, improving data accuracy by 20%.
Hansa Research Group Private Limited
Apr 20192 mosMay 2019

Bengaluru, Karnataka, India

Digiledge
Mar 20185 mosJul 2018

Bengaluru, Karnataka, India

* Understanding the Indian and Middle East BlockChain Industry. * Secondary Research on the blockchain technology and implication. * Report preparation on the market understanding in Indian and Middle East markets and different applications for which it is employed.
Shiksha.com
Sep 20173 mosNov 2017

Bengaluru, Karnataka, India

Anirudh’s AI Stack

anthropic apis
anthropic apis
claude code
claude code
n8n
n8n
notion
notion
replit
replit

Education

Christ University, Bangalore

Master of Business Administration - MBA, Marketing

Christ University, Bangalore

20172 yrs2019
Graphic Era Deemed to be University

Bachelor's degree, B.tech (Mechanical Engineering)

Graphic Era Deemed to be University

20124 yrs2016

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Headline

Senior Product Manager | UPI & Payments | AI-led Product & Automation | Scaling Millions of Transactions | Bajaj Finserv

About

Most systems aren't complex they're just poorly explained. I’m a Senior Product Manager at Bajaj Finserv with 6+ years of experience in fintech and payments, working on UPI and UPI Lite platforms processing millions of transactions. My focus areas include scale, reliability, monetisation, and increasingly, leveraging AI to automate workflows, improve decisioning, and enhance product efficiency. Impact highlights: - Built a cross-sell authorization engine generating ₹2 Cr+ incremental revenue - Launched UPI Lite and RuPay Credit Card on UPI - Improved Onboarding success rates by 10% via A-Shield device binding - Reduced lead processing TAT from T+1 to real-time through automation I specialize in translating backend-heavy systems and complex payment flows into clear, user-first product decisions and increasingly using AI-driven approaches to simplify operations and unlock new efficiencies. I’m currently exploring Product roles in fintech, payments, and AI-enabled platforms where I can contribute to building scalable, high-impact systems. I also share simple breakdowns of payment systems, product thinking, and practical applications of AI in real-world products.

Location

Pune Division

AI stack

anthropic apis

claude code

n8n

notion

replit

Work experience

Senior Product Manager UPI at Bajaj Finserv, Dec 2024 - Present · 1 yr 8 mos, Pune District, Maharashtra, India, - Leading the UPI business cluster at Bajaj Finserv, owning end-to-end P&L, platform performance, and growth initiatives across a platform processing millions of monthly transactions. - Led the decoupling of the UPI stack to treat On-us and Off-us transactions independently, enabling targeted error handling and allowing the team to switch off underperforming payment gateways without cross-team approvals, directly improving Success Rate. - Driving cross-sell orchestration across the UPI platform, managing a monthly cross-sell revenue contribution of ~₹15L through data-driven offer personalization without manual campaign intervention. - Own UPI PNL tracking and SR analysis across subcategories including loan repayment and BPS, identifying performance gaps and driving resolution through deep merchant and handle-level analysis.

Product Manager - UPI at Bajaj Finserv, Nov 2022 - Dec 2024 · 2 yrs 2 mos, Pune District, Maharashtra, India, - Launched UPI Lite and RuPay Credit Card on UPI, defining transaction switching logic, performance KPIs, and user flows ensuring sub-1s processing and 99.9% platform availability. - Redesigned device binding logic using A-Shield replacing SIM selection, reducing binding failures and improving authentication success rate by 10% through retry mechanisms and SLA monitoring. - Partnered with acquirer banks, PSPs, and NPCI to expand ecosystem coverage and enable scalable routing and authorization flows. - Defined non-functional requirements including throughput, latency, and failover and embedded them into system architecture with engineering teams.

Product Manager- Credit Card at Bajaj Finserv, Jun 2021 - Oct 2022 · 1 yr 5 mos, Pune Division, Maharashtra, India, - Developed NTB (New-to-Bajaj) customer acquisition strategy from scratch, contributing to ~30% of monthly credit card acquisitions through improved targeting and segmentation precision. - Automated the lead workflow by integrating Facebook and Google ad approvals directly into call center systems via Zapier, reducing lead TAT from T+1 to real-time and significantly improving conversion rates. - Improved ROAS by 65% and reduced customer acquisition cost by 35% through data-backed campaign optimization and audience segmentation. - Enriched the risk model by partnering with alternate data vendors using user tradelines, enabling more personalized and accurate credit offers. - Led UX research to uncover pain points in the credit card journey, directly informing backlog prioritization and product enhancements.

Freelance at Self-Employed, Aug 2020 - May 2021 · 10 mos, Sundar Nagar, Himachal Pradesh, India, Eigen Plus (EdTech) — ASO & Growth - Optimized App Store listing strategy for an EdTech app, improving Google Play Store keyword ranking from 5th to 2nd position for a target keyword, directly driving organic download growth. - Managed performance marketing campaigns on Google Ads and Facebook Ads Manager, handling end-to-end campaign creation, optimization, and reporting. - Reduced customer support requests by 2% through proactive community engagement and real-time issue resolution across online platforms. Ayurvigyanam — Social Media Marketing - Managed end-to-end Instagram marketing including content strategy, audience growth, and engagement campaigns for an Ayurveda-focused brand.

Market Researcher at Hansa Research Group Private Limited, May 2019 - Jun 2020 · 1 yr 2 mos, Bengaluru, Karnataka, India, - Led end-to-end qualitative research engagements across Food & Beverages, FMCG, Real Estate, Apparel, and Government sectors including a project for Niti Aayog. - Designed and executed primary research methodologies including Focus Group Discussions and Depth Interviews, translating raw consumer insights into actionable client recommendations. - Wrote research proposals, designed discussion guides, managed pan-India field operations across multiple centers, and delivered final debrief presentations to client stakeholders. - Improved data collection frameworks and survey logic, improving data accuracy by 20%.

Project Trainee at Hansa Research Group Private Limited, Apr 2019 - May 2019 · 2 mos, Bengaluru, Karnataka, India

Market Research Intern at Digiledge, Mar 2018 - Jul 2018 · 5 mos, Bengaluru, Karnataka, India, * Understanding the Indian and Middle East BlockChain Industry. * Secondary Research on the blockchain technology and implication. * Report preparation on the market understanding in Indian and Middle East markets and different applications for which it is employed.

Marketing Intern at Shiksha.com, Sep 2017 - Nov 2017 · 3 mos, Bengaluru, Karnataka, India

Education

Master of Business Administration - MBA, Marketing, Christ University, Bangalore

Bachelor's degree, B.tech (Mechanical Engineering), Graphic Era Deemed to be University

Public links

anirudh-gupta.lovable.app: https://anirudh-gupta.lovable.app/