Headline

Senior Product Manager @ Zeta | Fintech · Payments · Credit Cards · Lending | Scaling B2C & B2B Solutions | IIM-K · IIIT Delhi | Ex-BharatPe · Navi · Nucleus Software

About

I'm a Fintech Senior Product Manager with 7+ years of experience building products at the intersection of payments, lending, and credit — across B2C and B2B, at scale. With extensive experience across both domains, I excel in translating customer needs into innovative, user-centric solutions that drive growth and enhance engagement. I've worked across the full fintech stack — driving QR adoption, homepage redesign (CRM issues reduced by 16.5%, feature exploration up by 6.5%), and merchant loyalty programs at BharatPe (10M+ merchant touchpoints) → building reconciliation engines and fraud prevention systems at Navi → and currently leading international credit card products at Zeta for the UK market, in partnership with global teams at Lumen and Vera. Backed by a B.Tech from IIIT Delhi and an MBA from IIM Kozhikode (Top 5 percentile), I bring a rare combination of deep technical fluency and sharp business acumen — enabling me to align engineering, compliance, design, and leadership around a single product vision. What I'm known for: → Moving metrics: QR adoption +22%, App Store rating 3.88 → 4.62, CX call volume –50%, 99.12% reconciliation accuracy → Building 0→1: in-house A/B testing platform (21 live experiments), reconciliation engine, payments portal, multilingual onboarding → International delivery: credit card GTM for the UK market with Lumen → AI-augmented PM: I use AI tools for competitive analysis, roadmap prioritisation, PRD drafting, and research synthesis I lead impactful app updates, user engagement strategies, and the launch of new revenue streams, ensuring measurable business outcomes. Previously at Navi Technologies, I optimised CRM, lending, and payment app experiences, demonstrating my ability to deliver value across diverse product areas. Proficient in SQL, JIRA, Confluence, Mixpanel, and Figma, I blend technical expertise with strategic thinking to build and scale impactful products. With a passion for product innovation and a commitment to continuous learning, I strive to empower organisations with best practices and forward-thinking strategies for sustained growth.

Location

Bengaluru

AI stack

claude code

claude

codex

cursor

gemini

ChatGPT

Work experience

Senior Product Manager at Zeta, Jul 2025 - Present · 1 yr 2 mos, Bengaluru, Karnataka, India, Building international credit card products for the UK and US markets in partnership with global teams at Lumen and Vera. ▸ Led end-to-end product strategy and delivery for Lumen's credit card app — architecting eligibility-check flows integrated with third-party credit aggregators, ensuring seamless applicant experience and regulatory compliance ▸ Applied AI tools across the product lifecycle for competitive analysis, market sizing, PRD drafting, and roadmap prioritisation — reducing time-to-insight across research and planning cycles ▸ Designed and delivered omnichannel customer-support flows (chat + voice) on AWS Connect; built agent-facing portal for real-time customer data management, reducing resolution time ▸ Conducted structured discovery with UK-based applicants to map pain points in the credit application journey and drive alignment across engineering, compliance, and design

Senior Product Manager at BharatPe, Nov 2023 - Jul 2025 · 1 yr 9 mos, Gurugram, Haryana, India, Owned product strategy and execution across the BharatPe merchant app, QR ecosystem, lending products, and enterprise dashboard — serving millions of merchants across India. ▸ Engagement & UX: Redesigned homepage with server-driven UI — reduced CRM issues by 16.5% and boosted feature exploration by 6.5% through personalised merchant insights. ▸ Compliance-led QR Redesign: Boosted QR adoption +22%, QR orders +50%, and merchant onboarding +10% via compliance-driven redesign and improved discovery. ▸ Localisation & Accessibility: Achieved 95% multilingual coverage (incl. Hinglish); increased DIY activations from 20% → 28% through optimised onboarding flows. ▸ Loyalty & Churn Reduction: Reduced churn to 2% MoM; referral incentives drove +25% DIY acquisition; tiered loyalty program cut reward setup time by 85.7%. ▸ Ratings & App Growth: Grew App Store rating 3.88 → 4.62 and daily ratings 73 → 1,800; boosted user engagement by 4.5%. ▸ Experimentation Platform: Launched in-house multi-variant A/B testing platform running 21 simultaneous live experiments, accelerating data-driven decisions company-wide. ▸ Security & Compliance: Shipped Application Access Lock (AAL) and Play Store-compliant account-deletion flows, ensuring full regulatory adherence. ▸ Revenue & Growth: Increased loan disbursals via an optimised enterprise dashboard; launched Loan Marketplace and festive campaign, boosting merchant retention and product cross-sell. ▸ Stakeholder Management: Led a 10-member cross-functional team; defined OKRs, success metrics, and product vision aligned to business goals.

Associate Product Manager at Navi, May 2022 - Oct 2023 · 1 yr 6 mos, Bengaluru, Karnataka, India, Built core infrastructure products across lending, payments, and CRM — focused on reliability, fraud prevention, and operational efficiency. Key achievements include improving loan post-purchase and payments app conversion, developing in-house reconciliation and risk solutions, and significantly enhancing customer support systems. ▸ Reconciliation & Accuracy: Developed in-house Reconciliation Engine with 99.12% accuracy, eliminating errors in rewards and payouts while significantly reducing manual reconciliation effort at scale. ▸ Resilience & Fraud Prevention: Reduced disbursal downtime by 60% via health-based bank-switching; implemented a real-time Risk Engine that eliminated double disbursals (100%) by flagging fraudulent transactions. ▸ Payments Infrastructure: Built Payments Portal enabling real-time liquidity and downtime management for Finance; developed Credit Hindsight portal providing a 360° customer view for data-driven business decisions. ▸ CX & Agent Productivity: Increased agent efficiency by 67%, cut CX call volume by 50%, and raised CSAT to 4.3 through an in-house CRM, chat support tool, and targeted in-app self-service flows.

ISCEA SCNext India Campus Ambassador at ISCEA -International Supply Chain Education Alliance, Jun 2021 - Apr 2022 · 11 mos

Selected Member - AbaKus at Abakus - IIM Kozhikode, Mar 2021 - Apr 2022 · 1 yr 2 mos

Senior Software Engineer at Nucleus Software Exports Limited, Jul 2017 - Jul 2020 · 3 y, Noida

Education

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

Bachelor of Technology, Electronics and Communication Engineer, Indraprastha Institute of Information Technology, Delhi