Headline

Senior PM - Airtel | Fintech & Lending | AI/ML Products | Ex - Lendingkart, Safegold, Paytm

About

I am a Senior Product Manager focused on building / scaling lending and credit products across Airtel Finance, Lendingkart, SafeGold and Paytm. Currently, I lead Gold Loan and Co-branded Card products at Airtel, where I built a 0→1 Gold Loan (Secured Loan) business scaled to ₹60Cr+ monthly disbursals and scaled EMI Cards to 30K/ per month, driving growth for a 250M+ user platform. Previously, I owned the Loan Origination System (LOS) at Lendingkart powering ₹250Cr+ monthly MSME loan (Unsecured Business Loan) disbursals, working across Credit underwriting, Co-lending, Collections systems and doing API integrations for partners onboarding. My experience spans: • Secured & unsecured lending • Credit risk & underwriting systems • Growth funnels & lifecycle optimization • Phygital distribution & partner ecosystems I am particularly interested in solving problems at the intersection of fintech, lending, and scalable credit systems.

Location

Bengaluru

AI stack

claude

lovable

replit

Work experience

Senior Product Manager at airtel, Jan 2025 - Present · 1 yr 8 mos, Gurugram, Senior Product Manager – Lending | Gold Loan | Co-branded Card Own product strategy and growth for Gold Loan and EMI Card on Airtel Thanks app (250M+ users) • Built and scaled Gold Loan business (0→₹50Cr+ monthly disbursals) in partnership with Bajaj Finance. • Designed end-to-end journey (Acquisition → Eligibility → Partner Referral → Disbursals). • Improved conversion by optimizing acquisition journeys, efficient lead routing and branch-level performance. • Scaled EMI card issuance for to 30K+ cards/month and Virtual cardings to 50K+ users monthly. • Improved card activation (M1: 2x | M6: +50%) via lifecycle and engagement strategies - post carding. • Enabled Phygital distribution across 1000+ retail stores to scale acquisition & fulfilment challenges for Insta EMI Card.

Senior Product Manager at Lendingkart, Dec 2021 - Jan 2025 · 3 yrs 2 mos, Bengaluru, Senior Product Manager – Lending | LOS | Unsecured Business Loans Owned Loan Origination System (LOS) powering ₹250Cr+ monthly MSME loan disbursals via assisted / digital user journeys. • Managed LOS platform used by 5K+ partners across digital and assisted channels. • Built APIs for end-to-end loan lifecycle and onboarded 50+ digital lending partners. • Improved underwriting via CIBIL, Account Aggregator, and Perfios integrations for unsecured business loan product. • Scaled DSA partner ecosystem to 30K+ DSA partners across 10K+ pincodes.

Product Manager at SafeGold India, Nov 2020 - Nov 2021 · 1 yr 1 mo, Mumbai, Maharashtra, India, 1. Leading B2B2C SAAS product suite with 50+ merchants (Mobile responsive web app) and 100K+ users for Digital Gold conversion at Jewellery stores. 2. Leading 0 to 1 product development and GTM strategy for an Automated trading platform (iOS, Android & Mobile responsive web app product) for Bullion Gold business trading.

Product Manager at Mamaearth, Jun 2020 - Oct 2020 · 5 mos, Gurgaon, Haryana, India, Managing & scaling D2C website product at Mamaearth (www.mamaearth.in) * End-to-end management of the Website property in terms of Product, Operations & Tech. * SPOC for Technical & Product team to drive overall Frontend & Backend website development & integration with Magento, Shiprocket, Freshdesk, PowerBI. * Managing the product scaling of website property to 15x order volume and 1 Lac orders/ day for quarterly sale event.

Associate Product Manager at Paytm, Apr 2019 - Jun 2020 · 1 yr 3 mos, Noida Area, India, Building 0 to 1 B2B2C SAAS Loyalty Platform for Paytm Brands. Product Management - • Define the overall product strategy and roadmap for digital and loyalty apps. • Oversee the development and delivery of digital products such as mobile websites, Android & iOS Apps. • Convert marketing needs into features & get developed from technology. • Perform continuous fine-tuning in the msite, Android & iOS app. • Working closely with cross-functional teams like marketing, growth, design, technology and sales team.

Education

Bachelor of Technology - BTech, Computer Science Engineering, rajasthan technical university