Headline

Product Leader | Driving Growth & UX at Scale | Geoeconomics Enthusiast

About

I am a product leader with 10 years of experience, building and scaling digital products in travel-tech and fintech. I own PnL and Product Strategy for Co-branded cards and Travel products at Niyo. I am managing multiple product pods who are responsible for end-to-end product launches, building distribution, improving acquisition and conversion funnels, GTM planning and leading UX innovations that directly impact PnL growth and user retention. With a dual degree from IIT Kharagpur, I bring a balance of strategic thinking and execution, thriving in high ownership and accountability environments. Passionate about solving real user problems, aligning cross-functional teams, and turning ideas into measurable outcomes. Beyond my core work, I closely follow global geopolitics, macroeconomics, financial markets, and geoeconomics out of personal interest. My substack channel : https://apoorvmittal01.substack.com

Location

Bengaluru

AI stack

antigravity

codex

opencode

Work experience

Independent Macro Researcher & Writer at Substack, Jan 2026 - Present · 8 mos, Markets & Macro is my independent publication on global macro, markets, and the structural forces reshaping the financial system. Long-form, thesis-driven analysis for sophisticated readers, covering global liquidity, precious metals, energy and geopolitics, and the plumbing of modern finance. Read here : https://apoorvmittal01.substack.com

Director of Product Management at Niyo Solutions Inc., Oct 2025 - Present · 11 mos, Bengaluru, Karnataka, India, Managing product teams who own product experience and PnL for banking and travel products. - Co-branded credit cards, debit cards, savings accounts and fixed deposits - Customer Acquisition and Product Distribution across digital and offline channels - Loyalty and Rewards - Platform services to power Niyo app, Homepage and SuperApp Experience - Travel services including flights, hotels, international esim, visa booking, experiences, travel insurance and ancillaries.

Group Product Manager at Niyo Solutions Inc., Oct 2024 - Sep 2025 · 1 yr, Bengaluru, Karnataka, India, Managed: - Customer Acquisitions - Product Distribution - Niyo Express - At home KYC - DIY and sales agent assisted KYC - Instant Cards - Loyalty and Rewards Platform - Homepage and SuperApp Experience - App, Web and offline journeys for KYC - Core platform services

Senior Product Manager at Niyo Solutions Inc., Apr 2022 - Sep 2024 · 2 yrs 6 mos, Bengaluru, Karnataka, India, Launched Niyo Global app and Loyalty Platform.

Associate Manager - User Lifecycle Management at American Express, Jun 2018 - May 2019 · 1 yr, Gurgaon, India, Managed user lifecycle for credit and charge card users to reduce credit losses and contingent liabilities. Managed the following processes: - Risk models based credit limits - Credit limit based spends controls - High Risk and inactive accounts closures - Dunning strategy to minimise defaults for delinquent accounts

Analyst - User Lifecycle Management at American Express, Jan 2017 - Jun 2018 · 1 yr 6 mos, Gurugram, Haryana, India, Strategy Analytics for credit limit management.

Strategy Consultant - BFSI at EXL Services Ltd, Jun 2016 - Dec 2016 · 7 mos, Gurgaon, India, Worked with a global credit card issuer to optimise PnL of consumer credit portfolio.

Education

5 Year Integrated M.Sc (Hons.), Exploration Geophysics, Indian Institute of Technology, Kharagpur