Headline

Fintech | Kotak | udaan.com | SPJIMR

About

Most people don’t wake up wanting to buy mutual funds. My job has been figuring out how to make them start. I currently lead growth and core product initiatives for Kotak Cherry across App, Web, Kotak811 and Mobile Banking working on a challenge that quietly sits at the center of Indian fintech: Even today, only ~4% of Kotak Bank customers invest in mutual funds. Which means the remaining 96% are not “non-users”. They are people with savings and ambitions but somewhere between confusion, fear, poor timing and fragmented experiences, investing keeps getting postponed. The scale behind this is massive: a ₹65,000 Cr managed AUM business and a ~₹300 Cr SIP book. But what excites me more is the behavioural side of the problem. How do you make investing feel less intimidating? How do you grow revenue without destroying user experience? That’s largely been my work over the last few years. Some of the things I’ve built: ⦁Onboarding and First time user journeys that helped grow daily active users 60% YoY ⦁Engagement systems that improved repeat investing transactions by +600 bps ⦁AI-assisted instrumentation frameworks to clean up behavioral analytics across product journeys ⦁IPL-style gamification experiences that increased session length ⦁Personalized Year-in-Review loops that improved retention and drove organic installs ⦁Monetization systems that improved conversion without making the product feel noisy Before fintech, I worked at Udaan across grocery, procurement and supply chain operations. That experience shaped how I think about product even today: good products don’t live inside Figma screens. They survive operational chaos, business pressure and scale. I’m most interested in building products for India’s next wave of users especially in categories where adoption still has to be earned patiently, not bought aggressively. I'm building for Bharat.

Location

Mumbai

AI stack

claude code

claude

gemini

openai

ChatGPT

Figma Make

Work experience

Associate Vice President at Kotak Mahindra Bank, Sep 2024 - Present · 2 yrs, Mumbai, Driving ~300cr SIP book through unified product leadership across Kotak Cherry’s four frontends - App, Web, Mobile Banking and Kotak811 creating consistent, high-intent investing pathways Grew DAU 60% YoY by redesigning login & First Time User flows; improved lead to conversion by +450 bps Increased average session time 58% by building habit-forming engagement loops Delivered 3x ARPU growth with funnel optimization and journey enhancements for DIY users Boosted repeat transactions by +600 bps by strengthening portfolio tools and rebuilding nudge engine Delivered a 10x surge in Google search impressions with structural SEO & content improvements Achieved 10% monthly conversions by enhancing drop off recovery funnel with precise, context-driven lead routing to Voice RMs using webhooks, outperforming other product funnels by 600 bps High-Impact Launches: One Truth (AI-enabled Event Instrumentation): Standardized CleverTap event tracking across product flows establishing a single source of truth for behavioral data; leveraging Claude Code to systematize instrumentation patterns, reducing inconsistencies and accelerating analytics readiness How India Cherry’d (Year-in-Review): Drove a 15% increase in user retention by launching a personalized, shareable year-in-review experience that amplified organic installs via user-led virality loops AMC League (Gamification): Shipped a gamified UX tied to IPL, boosting session duration by 30% Cherry for All (Accessibility & Scale): Designed remote-first flows to expand accessibility across diverse cohorts, driving 800 bps uplift in first-time user orders and a +75 bps uplift in app conversions Native Banners (Monetization Infra): Built a lightweight cross-sell banner system using Clevertap and Strapi with cohort-specific in-app messaging and dynamic content refresh, contributing to an engagement index reaching 16% of DAU and driving a +150 bps uplift in app conversions

Senior Program Manager at udaan.com, Aug 2020 - Aug 2024 · 4 yrs 1 mo, Bengaluru, New Business Initiatives Led product + CX for Wondermart (B2C grocery); increased NPS 12 → 30 and reduced returns by 25%. Scaled HORECA service levels; improved procurement KPIs including cost-per-kilo & days-on-hold Inventory & Vendor Management [Team size: 3 inventory managers & 1 vendor support lead] Owned inventory health charter for Grocery & Pharma; scaled local FMCG selection across 15 cities by 4x Rebuilt vendor support tools to optimize replenishment and returns; cut margin burn by 90 bps Procure-to-Pay Reduced invoice digitization leakages to 0.7% and maintained 99%+ OTIF vendor settlements Rebuilt warehouse-facing IRN–GRN flows, driving a ~54% improvement in inbound operational metrics Sales & Category Management [Team size: 6 sales officers & 60 sales agents] Won Best Demand Lead award for successfully launching Pune cluster & achieving 85% buyer growth Built full inventory sourcing model in Surat & Solapur, transitioning from a marketplace model with heavy first mile costs; boosted GMV growth by 3X over 3 months; Won ‘Spirit of Udaan’ award in Aug’21

Professional Freelancer at Creative Diet, Jun 2017 - May 2018 · 1 yr, Kolkata, As a freelance video and graphic designer, I was responsible for designing explainer videos, social media campaigns and marketing collaterals for companies. In this twelve month stint, I undertook the responsibilities of client acquisition, account handling and feedback management among others, to expand my client network. Within three months of service, I collaborated with over ten companies and acted as a Social Media Manager for two of those. Some of my key projects are listed as follows: • Social media content for Sukhani Stamps, a company dealing in philately. Rendered marketing inputs to help create a digital presence for the company and to transform its traditional operations. • Social media content for Desi Firangi, an eatery in Manipal. Conceptualized the social media campaign to mark one year celebrations of the eatery. • Marketing collaterals like pizza box, fries bag and food menu for Charcoal Eats, a quick service restaurant in Mumbai. Helped with the restaurant's rebranding and designed videos to contribute towards the same. • Educational Videos for Stunited, a UK based company to facilitate the higher education globally. • Event promotions and video content for Sportsmen.in, a social media company in health and fitness sector. • Social Media content for Outbox surprises, a gifting solutions company. Rendered videography services to design their Christmas campaign. • Promotional videos for Phoolvalley, Youthink, Eagle Travels, and JforJugaad. • Marketing collateral for Arogya Bhawan's product launch in Mumbai, a company dealing in Ayurvedic products.

Education

PGDM, Marketing, SPJIMR SP Jain Institute of Management & Research

International immersion, Cornell University