---
title: "Ayush Kumar - Director of Product Management in Bengaluru | Tal"
description: "Meet Ayush Kumar, Product Leader | Growth, AI, Customer Experience & Product Strategy | Scaled Products for 150M+ Users | Monetisation, Personalisation | Fintech & Consumer Tech based in Bengaluru. AI stack includes claude code, claude, and gemini."
image: "https://tal.club/meet/ayush-kumar-38/share-image"
---

# Ayush Kumar on Tal

## Headline

Product Leader \| Growth, AI, Customer Experience & Product Strategy \| Scaled Products for 150M\+ Users \| Monetisation, Personalisation \| Fintech & Consumer Tech

## About

I’m a Product & Growth leader with 8\+ years of experience building and scaling consumer, fintech, and platform products across growth, customer experience, payments, and AI\-led personalisation\. Most recently, I was Director of Product Management at Paytm, where I led product initiatives across acquisition, activation, engagement, retention, homepage experiences, lifecycle systems, and personalisation for products serving 150M\+ users\. My experience spans the full product stack — from customer\-facing journeys such as onboarding, UPI, homepage, offers, post\-transaction experiences, and merchant products, to the platforms behind them: real\-time segmentation, experimentation, lifecycle management, targeting, and AI\-assisted automation\. A few examples of impact: • Drove \+24% conversion uplift through behavioural micro\-cohort targeting and lifecycle interventions • Defined ML\-driven personalisation across in\-app, Push, and WhatsApp journeys → CTR \+18%, retention \+5% • Built a real\-time segmentation platform powering homepage, offers, notifications, and lifecycle activation • Reduced A/B experiment launch time from 4 weeks to 1 day through a no/low\-code experimentation platform • Built dynamic banner personalisation → CTR \+38%, conversion \+13%, ops effort −60% • Integrated Firebase and Meta Ads systems → reach \+70%, CAC −15% • Revamped onboarding and login journeys → drop\-off −6%, first\-payment activation \+7% • Launched UPI123Pay from 0→1→scale in one month • Used GenAI and workflow automation to reduce campaign operations turnaround by 90% I started my career as a Software Engineer at Barclays before moving into product management, and later completed my MBA in Information Management & Marketing from SPJIMR along with an executive program at Carnegie Mellon\. I’m particularly interested in complex product problems at the intersection of: Product Strategy \| Product\-Led Growth \| Growth Strategy \| Customer Experience \| Consumer Products \| Fintech \| UPI & Payments \| Homepage & Discovery \| Personalisation \| Experimentation \| Lifecycle Management \| Product Platforms \| AI Products \| Data\-Driven Products

## Location

Bengaluru

## AI stack

claude code

claude

gemini

n8n

ChatGPT

Figma Make

## Work experience

Director of Product Management at Paytm, Apr 2025 \- Feb 2026 · 11 mos

Group Product Manager at Paytm, Jul 2024 \- Mar 2025 · 9 mos

Senior Product Manager at Paytm, Apr 2023 \- Jul 2024 · 1 yr 4 mos

Product Manager at Paytm Payments Bank, Jun 2021 \- Nov 2021 · 6 mos, Products \- Corporate Current Account \- Net Banking Panel

Product Manager at Curiousapiens, Nov 2020 \- Feb 2021 · 4 mos

Product Manager at Curiousapiens, Sep 2020 \- Oct 2020 · 2 mos, Mumbai, Maharashtra, India

Software Engineer at Barclays UK, Jul 2017 \- Jun 2019 · 2 yrs, Pune Area, India, \- Co\-lead for solutions team for Barclays UK \- Customer support management product

Full Stack Developer at YOSKA, Feb 2017 \- May 2017 · 4 mos, Bengaluru Area, India, The company provides online coaching for endurance sports athletes and online coaching platform for coaches worldwide\. Developed and optimised features for the web and mobile platform for coaches worldwide and Run India Run institute\.

## Education

Master of Business Administration \- MBA, Information Management and Marketing, SPJIMR SP Jain Institute of Management & Research

Global Fast Track Program, Management Information Systems, General, Carnegie Mellon University \- Tepper School of Business

[View the original profile](https://tal.club/meet/ayush-kumar-38)

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