---
title: "Ankit Chugh - Product Owner - Loan Products and Loyalty in Pune District | Tal"
description: "Meet Ankit Chugh, National Product Lead | BFL App, Cards & Payments | PSPO, PSM | Ex - SBI Card, MakeMyTrip, Accenture based in Pune District. AI stack includes codex, cursor, and opencode."
image: "https://tal.club/meet/ankit-chugh/share-image"
---

# Ankit Chugh on Tal

## Headline

National Product Lead \| BFL App, Cards & Payments \| PSPO, PSM \| Ex \- SBI Card, MakeMyTrip, Accenture

## About

Results driven professional with wide industry exposure; experience in P&L Management, Product Design, Setup & Launch, Customer Engagement Campaigns & Partner Management in B2C fintech and e\-commerce environment\. Collaboratively perform critical analysis, develop priorities, and effectively communicate with Cross Functional Teams to achieve results\. Focused, energetic, with strong interpersonal skills and business judgement\.

## Location

Pune District

## AI stack

codex

cursor

opencode

## Work experience

Product Owner \- Loan Products and Loyalty at Bajaj Finserv, Jan 2026 \- Present · 8 mos, On\-site, Customer Durables Loan, Emi Cards, Auto Lending, Referrals and Loyalty Digital Products

Product Owner \- Open Commerce \(ONDC\) for Retail and Financial Services at Bajaj Finserv, Nov 2024 \- Jan 2026 · 1 yr 3 mos, On\-site, • Spearheaded the end\-to\-end development and launch of a new e\-commerce platform leveraging the ONDC API Stack, scaling the product from MVP to 100,000\+ monthly transactions, driving rapid market adoption and platform reliability\. • Define and execute a comprehensive retail strategy covering eight major categories including Electronics, Fashion, Gift Cards, and Financial Services, enabling robust portfolio diversification and increased customer engagement\. • Lead and manage a multi\-disciplinary team spanning category management, product, engineering, analytics, project management, and operations, fostering collaboration and accountability to deliver milestone projects on schedule\. • Optimize delivery frameworks and accelerate execution pace, championing agile best practices to uphold the highest standards across flagship initiatives and enhance operational efficiency • Collaborate across ONDC seller partners and the logistics ecosystem to co\-develop scalable solutions, integrating operational processes and unlocking new marketplace capabilities for all participants • Define monetization and category expansion strategies, building sustainable, high\-impact systems and processes that strengthen long\-term business models and align with the product vision

Product Owner \- Credit cards & Digital Lending \(Digital Platforms\) at Bajaj Finserv, May 2023 \- Nov 2024 · 1 yr 7 mos, Pune District, Maharashtra, India, • Ensure complete technical API/ PWA/ SSO integrations and launch new features for lead acquisition journeys for Credit Cards and Auto products on digital platforms – web, mobile web and app • Own lead generation, funnel optimization, user journeys and hold KPIs on digital platforms • Stabilize app builds to maximize customer acquisition with product interventions and innovations • Utilizing technology skills with extensive Agile/ Scrum experience, a marketing orientation and analytical abilities to evolve the product strategy • Lead a team of 14 product managers and deliver end\-to\-end project management & product management lifecycle PDLC development • Help the team and stakeholders to maintain product vision by creating a product roadmap and commit to it • Study user behavior keenly and draw insights to reduce the friction with the UI/ UX interventions

Senior Product Manager \- Customer Lending at SBI Card, Jun 2022 \- Feb 2023 · 9 mos, • Own and manage lending product portfolio of more than USD 500 Million • Develop and deploy solutions to grow online channels – web and mobile application • Write product requirement documents for mobile app and web features to facilitate higher online sales • Liaise with Risk, Credit and Finance teams to draw lending strategies while keeping NPAs to minimum

Senior Product Manager \- Co\-branded Credit Cards at SBI Card, Dec 2019 \- Oct 2022 · 2 yrs 11 mos, Gurugram, Haryana, India, • Manage travel product portfolio of premium airlines co\-brand credit cards and monitor product metrics for 1 million\+ customers • Own P&L of the portfolio by creating value for the customers to drive spends and lending on credit cards • Own & support end\-to\-end product lifecycle processes including product planning, positioning, P&L, roadmap development and product launch to deliver successful products as per product vision and strategy • Write product requirement documents for API integration, system integrations & UAT testing for new product initiatives • Create user stories, validate test plans and roll out new product features to maximize product adoption by the end users • Evaluate technical feasibility, design optimization, and processes to strengthen customer lifecycle • Design CVP based on core brand strengths and create effective communication plans • Monitor the competitive and technological landscape and its implications for the product

Product Manager at Make My Trip, Oct 2018 \- Dec 2019 · 1 yr 3 mos, Gurgaon, Haryana, India, • Develop product line strategy to generate revenues and drive profitability through New Product Initiatives for USD 30M product e\-commerce portfolio • Build web and app platforms to help customers in search and discovery of personalized itineraries through real\-time customization of flights and hotels in the packages • Build unique user journeys & funnel inroads with native nudges for new & existing segments that led to a 25% increase in bookings, in\-line with the pricing strategy • Gather customer and market insights to inform outreach strategies, increase customer conversions, and generate more qualified leads • Collaborate with cross\-functional teams, including business and channel partners, user experience designers, developers, brand, marketing and content editors to meet all business objectives • Strong understanding of Jira and Agile methodologies • Lead a team of 2 Product Managers

Assistant Manager, Product Management at Make My Trip, Jul 2015 \- Sep 2018 · 3 yrs 3 mos, Gurgaon, • Evaluate business opportunities, create depth in product line and expand market share • Build products and services that create value for the customers collaborating with cross functional teams, including business and channel partners, user experience designers, developers, legal, compliance, brand, marketing and content editors • Monitor channel sales conversion % and optimize levers to grow conversion • Use market intelligence and customer insights for the right customer value proposition

Assistant Manager, Quality Assurance at Accenture in India, Jul 2010 \- May 2014 · 3 yrs 11 mos, • Involved in Test Strategy, Planning, Capacity Estimations & Periodic Reporting to clients • Strong understanding of Functional Testing Concepts across all phases of a Testing Cycle • Hands on experience of Manual as well as Automation Test Design & Execution using HP ALM and TOSCA • Manage regression test suite to ensure product integrity • Consulting client decision teams on complex projects and business cases

## Education

Master of Business Administration, Marketing, Great Lakes Institute of Management Gurgaon

Bachelor of Technology \(B\.Tech\.\), Electrical and Electronics Engineering, Kurukshetra university

[View the original profile](https://tal.club/meet/ankit-chugh)

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