---
title: "Astha Gupta - Senior Product Manager in Bengaluru | Tal"
description: "Meet Astha Gupta, Senior Product Manager @ Zeta | Fintech · Payments · Credit Cards · Lending | Scaling B2C & B2B Solutions | IIM-K · IIIT Delhi | Ex-BharatPe · Navi · Nucleus Software based in Bengaluru. AI stack includes claude code, claude, and codex."
image: "https://tal.club/meet/astha-gupta-5/share-image"
---

# Astha Gupta on Tal

## 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

[View the original profile](https://tal.club/meet/astha-gupta-5)

```json
{
  "@context": "https://schema.org",
  "@graph": [
    {
      "@type": "Person",
      "@id": "https://tal.club/meet/astha-gupta-5#person",
      "name": "Astha Gupta",
      "url": "https://tal.club/meet/astha-gupta-5",
      "image": "https://tal.club/meet/astha-gupta-5/profile-photo.jpg",
      "description": "Meet Astha Gupta, Senior Product Manager @ Zeta | Fintech · Payments · Credit Cards · Lending | Scaling B2C & B2B Solutions | IIM-K · IIIT Delhi | Ex-BharatPe · Navi · Nucleus Software based in Bengaluru. AI stack includes claude code, claude, and codex.",
      "jobTitle": "Senior Product Manager",
      "worksFor": {
        "@type": "Organization",
        "name": "Zeta"
      },
      "hasOccupation": {
        "@type": "Occupation",
        "name": "Senior Product Manager"
      },
      "homeLocation": {
        "@type": "Place",
        "name": "Bengaluru"
      },
      "alumniOf": [
        {
          "@type": "EducationalOrganization",
          "name": "Indian Institute of Management, Kozhikode"
        },
        {
          "@type": "EducationalOrganization",
          "name": "Indraprastha Institute of Information Technology, Delhi"
        }
      ],
      "knowsAbout": [
        "claude code",
        "claude",
        "codex",
        "cursor",
        "gemini",
        "ChatGPT"
      ],
      "mainEntityOfPage": {
        "@id": "https://tal.club/meet/astha-gupta-5#webpage"
      }
    },
    {
      "@type": "ProfilePage",
      "@id": "https://tal.club/meet/astha-gupta-5#webpage",
      "url": "https://tal.club/meet/astha-gupta-5",
      "name": "Astha Gupta on Tal",
      "description": "Meet Astha Gupta, Senior Product Manager @ Zeta | Fintech · Payments · Credit Cards · Lending | Scaling B2C & B2B Solutions | IIM-K · IIIT Delhi | Ex-BharatPe · Navi · Nucleus Software based in Bengaluru. AI stack includes claude code, claude, and codex.",
      "dateModified": "2026-08-04T15:15:15.541Z",
      "isPartOf": {
        "@id": "https://tal.club/#website"
      },
      "mainEntity": {
        "@id": "https://tal.club/meet/astha-gupta-5#person"
      },
      "primaryImageOfPage": {
        "@type": "ImageObject",
        "url": "https://tal.club/meet/astha-gupta-5/profile-photo.jpg",
        "contentUrl": "https://tal.club/meet/astha-gupta-5/profile-photo.jpg",
        "caption": "Astha Gupta profile photo on Tal"
      },
      "inLanguage": "en-IN"
    }
  ]
}
```