Headline

Chief Product & Technology Officer at InCred Financial Services - Hiring Smart Product & Engg Leaders

About

I am responsible for the InCred Group’s Product, Engineering , IT and Operations teams spanning ~ 300 InCredibles, and am a member of the Executive Committee. Focused on creating and nurturing empowered teams that win in the market - via a combination of outcomes focus, a quirky (and fun) culture reinforced with a common vocabulary of behaviours and values. 20 years experience developing, launching and managing products in an entrepreneurial financial services tech environment. Previously: Developed, launched and managed Drafty from 2015 through 2020 growing 100%+ YOY with healthy unit economics. Developed and launched Lending Stream from the ground up in 2009. Was UK's top lender by revenue ( $100M+) in the High Cost Short term Credit space by 2015. B.Tech from the Indian Institute of Technology, Madras Passionate sustainable living evangelist. Have helped 5000+ families reduce their garbage footprint by over 75%, while boosting income levels for low income workers by close to 8%

Location

Bengaluru

AI stack

anthropic apis

claude code

gemini

notebooklm

opencode

Wispr Flow

Work experience

Chief Product and Technology Officer at InCred Financial Services, Apr 2022 - Present · 4 yrs 5 mos, Bengaluru, Karnataka, India

Head of Tech Products @ InCred at InCred Financial Services, Nov 2020 - Oct 2022 · 2 yrs, Bengaluru, KA, India, Alternative Lending | Strategy & Execution | Grass roots organiser - sustainable living

Vice President Product - Drafty at GAIN Credit (formerly Global Analytics), Aug 2019 - Nov 2020 · 1 yr 4 mos, Greater Bengaluru Area

Sr Director, Product - Drafty.co.uk at GAIN Credit (formerly Global Analytics), Jun 2016 - Nov 2020 · 4 yrs 6 mos, Responsible for Drafty (www.drafty.co.uk) P&L - an alternate credit provider in the UK. Create & tune strategies and partnerships to create a winning customer experience. Test/iterate on product structure to scale portfolio achieve revenue targets with attractive unit economics Focus on frictionless customer experience Recruit, develop and lead team of product leaders for Global Analytics brands and world class lending platform

Sr. Director - Lending Stream LLC at Global Analytics, Jul 2014 - Jun 2016 · 2 yrs, Chennai Area, India, Work with functional group heads to create and maintain the Product Development Road Map Use road map to determine priorities of the engineering group and engineering release cycle/schedule Direct reportage to P&L owner with end ownership for road map execution Continue to own full delinquent portfolio management of Lending Stream LLC

Asst General Manager, Lending Operations at Global Analytics, Apr 2011 - Jun 2014 · 3 yrs 3 mos, Chennai, India, Responsible for creating scalable operations architecture to support high revenue growth targets. Set up customer experience function and develop analytics driven strategies for improving customer experience across multiple contact channels. Lead teams to drive automated contact strategies to maximize conversions at the front end and liquidation at the back end Help create targeted cross sell campaigns, aid development of new product(s), and improve lending platform design based on customer feedback as well as behavioral insights Help manage entire collections portfolio of UK lending subsidiary.

Sr Manager, Head of UK Operations at Global Analytics, Aug 2008 - Mar 2011 · 2 yrs 8 mos, Greater Chennai Area

Project Lead at Global Analytics Inc,, Sep 2007 - Jun 2008 · 10 mos, Managed the underwriting and data teams for our US Joint venture on short term lending. Led team that helped grow the book (portfolio) size by a large multiple and cut bad debt significantly

Sr Business Analyst at Global Analytics Inc,, Mar 2007 - Aug 2007 · 6 mos

Busines Analyst at Global Analytics Inc,, Jun 2006 - Mar 2007 · 10 mos

Education

Bachelor's degree, Indian Institute of Technology, Madras

Bachelor of Technology (B.Tech.), Engineering, Indian Institute of Technology, Madras