Headline

Product Manager @Shriram Finance | Digital Lending | Credit Decisioning | NBFC | Fintech | 4M+ Customers

About

Product Manager at Shriram Finance, owning a digital lending platform serving 4M+ customers across the full loan lifecycle: lead prioritisation, credit decisioning, funnel optimisation, disbursement, and repayment. I work across cross-functional stakeholders including credit, risk, operations, compliance, and engineering teams to translate business requirements into shipped product. Day to day that means writing PRDs and user stories, running Agile sprint cycles, managing product roadmaps, tracking KPIs and OKRs, and ensuring compliance requirements are embedded into product features before release. Stakeholder management is core to how I work. I align senior leadership, ops heads, and engineering simultaneously on priorities, timelines, and tradeoffs. Outside my core role, I built Stock Analysis Pro from scratch, a full-stack platform covering 2000+ NSE stocks with technical indicators, DCF modelling, and live data. It gives me hands-on comfort with APIs, SQL, and product analytics. Domain depth: digital lending, NBFC credit lifecycle, loan onboarding, underwriting logic, e-NACH, collections, co-lending infrastructure, and payment rails. Tools: Jira, Figma, SQL,Balsamiq MBA, Great Lakes Institute of Management. National Finalist, Indian Fintech Olympiad 2024.

Location

Bengaluru

AI stack

antigravity

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n8n

Cerebras

ChatGPT

Work experience

Product Manager at Shriram Finance Limited, May 2025 - Present · 1 yr 4 mos, On-site, Own end to end digital lending platform generating ₹150 to 180 Cr/month in disbursals (30 to 36% of total platform volume) across 50K+ monthly loans serving 4M+ customers Grew monthly revenue by ₹10 Cr with zero increase in default rates by redesigning approval thresholds and lead scoring logic, expanding the eligible customer base by 20,000+ users Cut loan processing time from 5 days to 2 days by automating handoffs between underwriting, operations, and the contact centre Generated ₹3 Cr/month in sustained revenue uplift by rebuilding customer segmentation and campaign targeting across risk cohorts Proposed and drove adoption of full loan amount e-NACH arrangements to replace physical post-dated checks (SPDC), eliminating a key disbursal funnel drop-off while preserving collections deterrence for branches Scaled monthly disbursals from 36,000 to 38,500 loans by building dropoff recovery flows and retry mechanisms, lifting digital adoption from 72% to 77% Defined KPI framework across conversion, approval rate, yield, and delinquency that became the basis for quarterly roadmap prioritization across Risk, Engineering, and Ops

Assistant Revenue Manager at ITC Hotels, Sep 2022 - Jul 2023 · 11 mos, Managed pricing and demand strategy across two luxury properties with combined ₹300 Cr annual revenue Grew average transaction value by 30% year on year by restructuring rate plans around seasonality and booking lead time patterns Moved market rank to #2 out of 7 competitors by tightening rate discipline and eliminating discount driven revenue leakage across channels Shifted channel mix toward direct bookings, cutting OTA commission costs and improving net revenue per room sold

Management Trainee at ITC Hotels, Aug 2021 - Aug 2022 · 1 yr 1 mo, Developed a Spa revenue optimization proposal combining demand based dynamic pricing and MICE period guest packages, which was escalated to CEO level and circulated as a chain wide directive to all Hotel GMs across ITC properties Turned around underperforming Spa revenue segment, delivering 50% growth through targeted pricing interventions and demand capture during high occupancy periods

Education

Post graduate program in Management, Finance & Operations, Great Lakes Institute of Management

Public links

github: https://github.com/bharatkrishna1999/