---
title: "Chirag Gautam - Product Manager in Faridabad | Tal"
description: "Meet Chirag Gautam, Product Manager – Digital Lending | MSME Credit | 0→1 Product Builder based in Faridabad. AI stack includes claude code and ChatGPT."
image: "https://tal.club/meet/chirag-gautam/share-image"
---

# Chirag Gautam on Tal

## Headline

Product Manager – Digital Lending \| MSME Credit \| 0→1 Product Builder

## About

I am a Product Manager with experience building and scaling credit and lending products for MSMEs, from idea to launch \(0→1\) and post\-launch optimization\. Currently at Kotak Mahindra Bank, I work in the MSME Policy & Product team, where I: ●Built a first\-of\-its\-kind lending product for informal micro\-enterprises new to credit ●Designed risk\-balanced product frameworks across income, collateral, and customer segments ●Improved cost of acquisition and retention through data\-led policy and journey changes ●Partnered closely with Risk, Tech, Analytics, Sales & Ops to ship scalable solutions My strengths lie in problem discovery, structured thinking, stakeholder alignment, and execution in regulated environments\.

## Location

Faridabad

## AI stack

claude code

ChatGPT

## Work experience

Product Manager at Kotak Mahindra Bank, Jun 2023 \- Present · 3 yrs 5 mos, Mumbai, Maharashtra, India, Product Manager – MSME Lending \| Kotak Mahindra Bank •Led 0→1 development of a new lending product for informal micro\-enterprises, expanding credit access to new\-to\-credit customers •Designed customer segmentation frameworks using income documents and collateral risk buckets to enable scalable underwriting •Worked on policy optimization to balance growth, delinquency, and portfolio quality •Collaborated with Risk, Analytics, Tech, and Business teams to launch and iterate products •Drove initiatives focused on reducing cost of acquisition and improving customer retention using data and journey insights

System Engineer at Infosys, Feb 2021 \- Jun 2021 · 5 mos, Mysore, Karnataka, India

## Education

Master of Business Administration \- MBA, Indian Institute of Management, Indore

B\.tech, Information Technology, Maharaja Agrasen Institute Of Technology, Delhi

[View the original profile](https://tal.club/meet/chirag-gautam)

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