Headline

Building Product @ JioBlackRock

About

Digital Product Specialist who transforms pain points into delightful user experiences. With 11+ years of turning complex journeys into simple taps and swipes. I build products people actually want to use. At AU 0101, I’ve led teams that launched industry-first features while improving app ratings from 4.0 to 4.4*—because great products speak for themselves. My superpower? Deep user empathy combined with business savviness. Whether it’s creating instant credit card issuance at IDFC FIRST (generating 20,000 cards monthly), revamping Kotak’s Net Banking platform (cutting login time by 50%), or winning the AWS Innovate X Action Award for an innovative solution selected by the Amazon Web Services Innovation Programs team, I specialise in innovations that users love and businesses value. Beyond product development, I’ve dedicated time to organizations like The Lighthouse Project and Kotak Education Foundation, mentoring young minds and contributing to community initiatives—experiences that have deepened my understanding of diverse user needs. When not designing digital experiences, you’ll find me completing half marathons (four and counting)—turns out product development and long-distance running require the same persistence, strategic pacing, and ability to push through challenges.

Location

Mumbai

AI stack

anthropic apis

antigravity

claude code

claude

gemini

openai

Work experience

Lead Product at JioBlackRock Investment Advisers, Oct 2025 - Present · 11 mos, Mumbai, Maharashtra, India

Product Lead - Mobile App, Net Banking & Digital Payments (DVP) at AU SMALL FINANCE BANK, Apr 2024 - Oct 2025 · 1 yr 7 mos

Product Lead - Mobile App, Net Banking & Digital Payments (AVP) at AU SMALL FINANCE BANK, Nov 2021 - Apr 2024 · 2 yrs 6 mos

Product Manager - Credit Card at IDFC FIRST Bank, Feb 2021 - Oct 2021 · 9 mos, Mumbai, Maharashtra, India, Led end-to-end digital transformation of credit card acquisition journeys for new-to-bank customers, integrating Aadhaar authentication and Video KYC to reduce issuance time to under 10 minutes. Drove product innovation resulting in 20,000+ monthly card issuances. Optimized conversion funnels through strategic drop-off retargeting, improving overall conversions by 25%. Conceptualized and launched an innovative credit card comparison tool featuring 200+ cards across banks, demonstrating expertise in competitive analysis and product differentiation. Developed comprehensive referral programs and add-on card journeys to enhance customer engagement metrics.

Chief Manager- Digital Banking at Kotak Mahindra Bank, Apr 2020 - Feb 2021 · 11 mos, Mumbai, Maharashtra, India, Led the strategic overhaul of the bank’s digital platform through the successful launch of Net Banking 2.0, featuring multilingual one-page banking architecture. Improved user experience metrics by optimizing authentication workflows and implementing innovative features like saved usernames, reducing login time by 50% while maintaining security protocols. Established “Kotak Net Banking Insider” Beta Program to incorporate user feedback into the product development cycle, demonstrating expertise in user-centered design methodologies.

Senior Product Manager- Digital Banking at Kotak Mahindra Bank, Mar 2018 - Mar 2020 · 2 yrs 1 mo, Mumbai, Maharashtra, India

Product Manager- Digital Channels at ICICI Bank, Aug 2016 - Mar 2018 · 1 yr 8 mos, Mumbai Area, India, Pioneered innovative digital product solutions including instant credit card generation for pre-approved customers, achieving a daily run rate of 500 cards with zero acquisition cost. Collaborated with cross-functional stakeholders to support strategic co-branded credit card partnerships with Amazon Pay and MakeMyTrip, expanding the product portfolio. Redesigned digital acquisition journeys for personal loans and savings accounts, implementing conversion rate optimization techniques that doubled completion rates. Demonstrated expertise in balancing user experience enhancements with business growth objectives.

Education

Master of Business Administration (M.B.A.), Design Thinking & Innovation, Welingkar Institute of Management

Bachelor of Business Administration (B.B.A.), Marketing, The Bhawanipur Education Society College