Headline

Product | Fintech Banking Lending | Leasing, Co-Lending, DA | IDFC First Bank | Credit Saison | Odessa Inc | Siemens | NMIMS

About

I'm a Kolkata Marwari from Surat with a knack for numbers, and all my experience in lending credit technology domain, I am a fintech product leader who envisages, creates, and launches innovative lending solutions that meet user demands, and drive business growth. I am a certified PMI Agile Certified Practitioner (PMI-ACP) and a user empath who values customer satisfaction and loyalty. As a Senior Product & Programs Manager at evfin, a fintech startup that offers smart and convenient financing solutions, I manage the end-to-end product lifecycle, from ideation to deployment, leveraging my expertise in enterprise software solutions and my attention to detail. I also collaborate with cross-functional teams, partners, and stakeholders to ensure alignment and quality. Some of my recent achievements include designing and launching a new product journey for Pre-owned Two-wheeler loans, reducing average loan approval TAT by 75% and increasing sourcing by 37%, and leading API integrations and launching LOS Salesforce.com with multiple OEMs and partner platforms, to sanction leads online and increase conversions.

Location

Bengaluru

AI stack

claude

n8n

perplexity

Bolt.new

Work experience

Group Product Manager at SwiffyLabs, Oct 2025 - Present · 11 mos, Bengaluru

Product Mentor at Airtribe, Jan 2026 - Jul 2026 · 6 mo, Bengaluru

Senior Product Manager at Credit Saison India, Apr 2024 - Oct 2025 · 1 yr 7 mos, Bengaluru, -Led end-to-end core lending platform feature development for Co-Lending Models (CLM1/CLM2) and Direct Assignment (DA) loans, enhancing loan servicing accuracy and efficiency for multiple originator/lender partnerships. -Spearheaded the MVP journey for DA solution, migrated ~35,000 DA loans with AUM INR ~850 Cr within 6 months, sourced by multiple fintechs & NBFCs, directly increasing business revenue for the organization. -Drove the end-to-end LOS journey and robust LMS modules for gold loans with a strategic MFI in the lending industry, with a roadmap plan to enable it for co-lending transactions. -Developed and implemented robust LMS modules for CLM 1 & 2 and DA structures, including projected cash flow calculations, customer repayments & lender receipts processing, and a flexible charges module, accommodating diverse co-lending partnership requirements. -Designed and implemented configurable logic for various lending products & partnerships within CLM 1 & 2 and DA frameworks, ensuring accurate share calculations for co-lending partners across diverse loan portfolios.

Senior Product & Programs Manager at evfin, Feb 2023 - Mar 2024 · 1 yr 2 mos, Bengaluru, Karnataka, India, -As a Product Manager, defined functional requirements for retail lending systems - LOS, BRE, LMS, and Collections, and successfully launched MVP journey within 30 days, with speed & agility in execution. -Identified and evaluated vendors for 3rd party services in the digital lending journey, enhancing the efficiency of lending processes and strengthening partnerships. -Designed and launched a marketplace DIY journey for consumers to compare, book test rides, buy electric vehicles, apply for lease-like loans with buyback programs, etc. -As a Business Program manager, led go-to-market strategies, establishing partnerships with EV brands such as Ather, Ola, TVS, Hero, etc. with projections to build 100 Cr AUM with impactful (green energy) collaborations. -Retail pricing and Business P&L owner responsible for ensuring the market presence is competitive and also aligned as per business revenue projections.

Product Business Analyst at Odessa, Sep 2021 - Feb 2023 · 1 yr 6 mos, Bengaluru, Karnataka, India, -Designed and delivered robust and modular accounting solutions for Dell Financial Services’ business units across varied geographies such as Singapore, EMEA, and NA on the Odessa platform. -Developed detailed functional specification PRDs for servicing modules such as Contract restructures, Charge-Offs, etc. -Provided functional support to both onsite & offshore teams during module walkthroughs, UATs, and feature demos to the end business users. -Facilitated agile sprints for the squad as Scrum Master, driving team productivity and successful project delivery.

Product Manager at IDFC FIRST Bank, Jun 2019 - Sep 2021 · 2 y 3 mo, Mumbai

Education

MBA - Master of Business Administration, Marketing, SVKM's Narsee Monjee Institute of Management Studies (NMIMS)

Bachelor of Technology - BTech, Information Technology, SVKM's Narsee Monjee Institute of Management Studies (NMIMS)