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Ashutosh Nagar

Product @ Piramal | Digital & AI | FinTech | Ex: IDFC, Barclays

Bengaluru

8+ years of work experience

Piramal Capital & Housing Finance Limited
Jul 20242 yrs 3 mosPresent

• Spearheaded the development of a Generic API Stack for diverse loan products in collaboration with various LSPs and partners. • Drove initiatives in Digital Lending, focusing on D2C Lending and Embedded Finance solutions. • Enhanced product offerings including Personal Loans, Business Loans, and Merchant Cash Advance to meet market demands.
Piramal Capital & Housing Finance Limited
May 20222 yrs 2 mosJun 2024

Digital Lending | Fintech Partnerships | Co-lending | Embedded Finance | Lending as a Service Built a Generic API Stack powering following loan products in partnerships with various LSPs and partners. Check-Out Finance Personal Loan PreQualified Personal Loan CoLended Personal Loan Business Loans Education Finance Cash Flow based Lending Merchant and Consumer BNPL Merchant Cash Advance ( EDI Product) Micro Finance Loan Loan against mutual funds Colending with Banks ( colending stack)
IDFC FIRST Bank
Feb 20202 yrs 3 mosApr 2022

Mumbai Area, India

Digital Solutions - Retail Lending Instant D2C Loan Journeys Built D2C Easy Buy EMI card journey Solved Disbursement problem for End-Use Control loans Pioneered Account Aggregator Launch in IDFC
AU SMALL FINANCE BANK
Apr 20182 mosMay 2018

Jaipur Area, India

 Strategized the Au innovation Centre launch along with its operation’s roadmap for the short term  Identified gaps in the bank’s digital offerings by benchmarking versus industry trends  Created high-level digital architecture for stakeholders envisaging the desired state of digital banking  Appraised several projects of Au bank and proposed projects that required partnership with Fintechs
Barclays
Jun 20152 yrs 1 moJun 2017

Pune Area, India

 Designing, creating and maintaining Web Services in rewards, payment and partner domain for US credit card business  Representing rewards team in business case analysis meetings, design discussion meetings and channel interactions JetBlue Credit Card Launch  Represented rewards team in business requirement, design review, and project review meetings  Redesigned the rewards miles tracker functionality for Airline partners reducing response time by 50% Sallie Mae Credit Card Relaunch  Led the design discussion successfully with 4 teams for the redemption and reconciliation process  Revamped the Sallie Mae partner point redemption process which decreased processing time by 60%  Developed HADOOP data processing engine for redemption settlement which processes 1000 rec/day Payment Resolution  Designed a new processing architecture currently used by 6 different payment resolution workflows  Developed payment resolution workflows that handles 50,000 requests/year Loyalty Edge Launch  Created a redemption process for gift card and merchandise redemption in Loyalty Edge Launch Project  Overhauled entire cash back redemption flow thereby leading to reduction in processing time by 50%

Ashutosh’s AI Stack

anthropic apis
anthropic apis
antigravity
antigravity
claude code
claude code
gemini
gemini
openai
openai
Cline
Cline

Education

Indian Institute of Management Udaipur

Master of Business Administration - MBA

Indian Institute of Management Udaipur

20172 yrs2019
Institute of Engineering & Technology DAVV, Indore

Bachelor of Engineering - BE, Computer Science

Institute of Engineering & Technology DAVV, Indore

20114 yrs2015

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Ashutosh Nagar on Tal

Headline

Product @ Piramal | Digital & AI | FinTech | Ex: IDFC, Barclays

About

A learner

Location

Bengaluru

AI stack

anthropic apis

antigravity

claude code

gemini

openai

Cline

Work experience

Lead Digtial Product Manager at Piramal Capital & Housing Finance Limited, Jul 2024 - Present · 2 yrs 3 mos, • Spearheaded the development of a Generic API Stack for diverse loan products in collaboration with various LSPs and partners. • Drove initiatives in Digital Lending, focusing on D2C Lending and Embedded Finance solutions. • Enhanced product offerings including Personal Loans, Business Loans, and Merchant Cash Advance to meet market demands.

Senior Digital Product Manager at Piramal Capital & Housing Finance Limited, May 2022 - Jun 2024 · 2 yrs 2 mos, Digital Lending | Fintech Partnerships | Co-lending | Embedded Finance | Lending as a Service Built a Generic API Stack powering following loan products in partnerships with various LSPs and partners. Check-Out Finance Personal Loan PreQualified Personal Loan CoLended Personal Loan Business Loans Education Finance Cash Flow based Lending Merchant and Consumer BNPL Merchant Cash Advance ( EDI Product) Micro Finance Loan Loan against mutual funds Colending with Banks ( colending stack)

Product Manager at IDFC FIRST Bank, Feb 2020 - Apr 2022 · 2 yrs 3 mos, Mumbai Area, India, Digital Solutions - Retail Lending Instant D2C Loan Journeys Built D2C Easy Buy EMI card journey Solved Disbursement problem for End-Use Control loans Pioneered Account Aggregator Launch in IDFC

Intern at AU SMALL FINANCE BANK, Apr 2018 - May 2018 · 2 mos, Jaipur Area, India,  Strategized the Au innovation Centre launch along with its operation’s roadmap for the short term  Identified gaps in the bank’s digital offerings by benchmarking versus industry trends  Created high-level digital architecture for stakeholders envisaging the desired state of digital banking  Appraised several projects of Au bank and proposed projects that required partnership with Fintechs

Software Developer at Barclays, Jun 2015 - Jun 2017 · 2 yrs 1 mo, Pune Area, India,  Designing, creating and maintaining Web Services in rewards, payment and partner domain for US credit card business  Representing rewards team in business case analysis meetings, design discussion meetings and channel interactions JetBlue Credit Card Launch  Represented rewards team in business requirement, design review, and project review meetings  Redesigned the rewards miles tracker functionality for Airline partners reducing response time by 50% Sallie Mae Credit Card Relaunch  Led the design discussion successfully with 4 teams for the redemption and reconciliation process  Revamped the Sallie Mae partner point redemption process which decreased processing time by 60%  Developed HADOOP data processing engine for redemption settlement which processes 1000 rec/day Payment Resolution  Designed a new processing architecture currently used by 6 different payment resolution workflows  Developed payment resolution workflows that handles 50,000 requests/year Loyalty Edge Launch  Created a redemption process for gift card and merchandise redemption in Loyalty Edge Launch Project  Overhauled entire cash back redemption flow thereby leading to reduction in processing time by 50%

Education

Master of Business Administration - MBA, Indian Institute of Management Udaipur

Bachelor of Engineering - BE, Computer Science, Institute of Engineering & Technology DAVV, Indore