---
title: "Apoorv Mittal - Independent Macro Researcher & Writer in Bengaluru | Tal"
description: "Meet Apoorv Mittal, Product Leader | Driving Growth & UX at Scale | Geoeconomics Enthusiast based in Bengaluru. AI stack includes antigravity, codex, and opencode."
image: "https://tal.club/meet/apoorv-mittal/share-image"
---

# Apoorv Mittal on Tal

## 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

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

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