---
title: "Avinash Rao - Lead Product Manager - Credit Cards, Lending & Growth in Bengaluru | Tal"
description: "Meet Avinash Rao, Product & Growth Leader | Acquisition, Engagement, Retention & Monetization | Credit Cards, Lending & Consumer Platforms | Scaled ₹2360Cr+ Digital Book based in Bengaluru. AI stack includes claude, elevenlabs, and gemini."
image: "https://tal.club/meet/avinash-rao/share-image"
---

# Avinash Rao on Tal

## Headline

Product & Growth Leader \| Acquisition, Engagement, Retention & Monetization \| Credit Cards, Lending & Consumer Platforms \| Scaled ₹2360Cr\+ Digital Book

## About

Product leader with 14 years of experience building and scaling consumer digital products across fintech, OTT and edtech\. Currently leading digital credit card products at IDFC FIRST Bank across acquisition, servicing, lending and monetization journeys\. Over the last 3 years, scaled digital EMI and balance transfer book from ₹915Cr to ₹2360Cr\+, contributing to over 55% of the bank’s EMI business while driving 700K\+ card issuances through self\-serve journeys\. My experience sits at the intersection of growth, monetization, platform systems and customer experience\. I’ve built and scaled products across lending, subscriptions, freemium monetization, onboarding funnels, engagement systems and payment ecosystems\. Increasingly focused on AI\-led automation in fintech including collections, servicing and conversion optimization\.

## Location

Bengaluru

## AI stack

claude

elevenlabs

gemini

lovable

notebooklm

replit

## Work experience

Lead Product Manager \- Credit Cards, Lending & Growth at IDFC FIRST Bank, Mar 2023 \- Present · 3 yrs 6 mos, Mumbai, Maharashtra, India

Associate Director at Simplilearn, Oct 2022 \- Mar 2023 · 6 mos

Senior Product Manager at Simplilearn, Apr 2021 \- Oct 2022 · 1 yr 7 mos, Bangalore Urban, Karnataka, India

Product Manager at Viacom18 Media Private Limited, Nov 2019 \- Mar 2021 · 1 yr 5 mos, Mumbai Metropolitan Region

Associate Product Manager at ALTBalaji, Apr 2017 \- Nov 2019 · 2 yrs 8 mos, Mumbai, Maharashtra, India

Associate Product Manager at Prototyze, May 2016 \- Mar 2017 · 11 mos, Goa

## Education

Bachelor of computer applications \(BCA\), Information Technology, Savitribai Phule Pune University

Post Graduation Diploma in Advanced Computing, Computer Programming, cdac

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

```json
{
  "@context": "https://schema.org",
  "@graph": [
    {
      "@type": "Person",
      "@id": "https://tal.club/meet/avinash-rao#person",
      "name": "Avinash Rao",
      "url": "https://tal.club/meet/avinash-rao",
      "image": "https://tal.club/meet/avinash-rao/profile-photo.jpg",
      "description": "Meet Avinash Rao, Product & Growth Leader | Acquisition, Engagement, Retention & Monetization | Credit Cards, Lending & Consumer Platforms | Scaled ₹2360Cr+ Digital Book based in Bengaluru. AI stack includes claude, elevenlabs, and gemini.",
      "jobTitle": "Lead Product Manager - Credit Cards, Lending & Growth",
      "worksFor": {
        "@type": "Organization",
        "name": "IDFC FIRST Bank"
      },
      "hasOccupation": {
        "@type": "Occupation",
        "name": "Lead Product Manager - Credit Cards, Lending & Growth"
      },
      "homeLocation": {
        "@type": "Place",
        "name": "Bengaluru"
      },
      "alumniOf": [
        {
          "@type": "EducationalOrganization",
          "name": "Savitribai Phule Pune University"
        },
        {
          "@type": "EducationalOrganization",
          "name": "cdac"
        }
      ],
      "knowsAbout": [
        "claude",
        "elevenlabs",
        "gemini",
        "lovable",
        "notebooklm",
        "replit"
      ],
      "mainEntityOfPage": {
        "@id": "https://tal.club/meet/avinash-rao#webpage"
      }
    },
    {
      "@type": "ProfilePage",
      "@id": "https://tal.club/meet/avinash-rao#webpage",
      "url": "https://tal.club/meet/avinash-rao",
      "name": "Avinash Rao on Tal",
      "description": "Meet Avinash Rao, Product & Growth Leader | Acquisition, Engagement, Retention & Monetization | Credit Cards, Lending & Consumer Platforms | Scaled ₹2360Cr+ Digital Book based in Bengaluru. AI stack includes claude, elevenlabs, and gemini.",
      "dateModified": "2026-08-14T13:50:23.650Z",
      "isPartOf": {
        "@id": "https://tal.club/#website"
      },
      "mainEntity": {
        "@id": "https://tal.club/meet/avinash-rao#person"
      },
      "primaryImageOfPage": {
        "@type": "ImageObject",
        "url": "https://tal.club/meet/avinash-rao/profile-photo.jpg",
        "contentUrl": "https://tal.club/meet/avinash-rao/profile-photo.jpg",
        "caption": "Avinash Rao profile photo on Tal"
      },
      "inLanguage": "en-IN"
    }
  ]
}
```