Headline

Senior Product Manager | Digital Lending, Payments & Platforms | API Products | 0→1 & 1→n | Product Growth

About

Senior Product Manager with 5+ years of experience building and scaling digital products across lending, payments and platforms. My experience spans 0→1 product development, 1→n scaling, API products, digital onboarding, underwriting, payments, partner integrations and product growth. I work at the intersection of customer experience, technology and business — partnering with Engineering, Risk, Credit, Operations and external partners to turn complex problems into simple, scalable products. I enjoy taking products from problem discovery to launch and scale, using data and customer insights to prioritise opportunities, improve journeys and drive business outcomes. Core areas: Product Strategy | Digital Lending | Payments | API Products | Platform Products | Product Growth | Partner Ecosystems

Location

Mumbai

AI stack

codex

cursor

gemini

ChatGPT

Figma Make

Microsoft Copilot

Work experience

Senior Product Manager at IDFC FIRST Bank, Apr 2026 - Present · 5 mos, Mumbai, • Own product strategy and growth for digital lending and platform products with accountability for revenue, acquisition, conversion and repeat borrowing. • Define product roadmap across lending, payments and partner platforms, balancing business growth, customer experience, risk and regulatory requirements. • Lead strategic initiatives to scale the partner ecosystem, with focus on API adoption, partner productivity, onboarding and lending throughput. • Drive cross-functional product decisions across Product, Engineering, Policy, Risk, Operations, Compliance and business teams. • Establish and track product health through disbursals, revenue, active partners, approval rate, conversion, TAT and repeat borrowing.

Product Manager at IDFC FIRST Bank, Sep 2022 - Mar 2026 · 3 yrs 7 mos, Mumbai, • Built and launched API-led lending journeys for external partners, covering onboarding, offer discovery, application, underwriting, disbursal and servicing. • Led integration of Account Aggregator, KYC, consent artefacts, e-mandates and UPI AutoPay into digital lending journeys. • Delivered real-time underwriting and automated decisioning capabilities, reducing manual intervention and improving lending turnaround time. • Owned migration and optimisation of Prequalified Offer Storage, including S3-based offer ingestion and fallback mechanisms to maintain offer availability. • Worked with Engineering and partner teams on API architecture, gateway integrations and platform workflows, translating business requirements into scalable product solutions. • Used dashboards and automation to identify funnel drop-offs, monitor product performance and drive iterative improvements.

Product Manager at ICICI Bank, Jun 2021 - Sep 2022 · 1 yr 4 mos, Mumbai, Maharashtra, India, As a Product Manager at ICICI Bank, I spearheaded the digitization of the lending process, improving customer satisfaction by 20%. I also led a cross-functional team in the development and launch of a new lending product that resulted in a 15% increase in revenue.

Marketing Intern at Pernod Ricard India, Apr 2020 - Jun 2020 · 3 mos, Gurgaon, Haryana

Consultant at Uber, Jul 2018 - May 2019 · 11 mos, Guwahati Area, India

Intern at Digital Avenues Ltd., May 2016 - Jun 2016 · 2 mos, Kolkata, West Bengal

Education

Post Graduate Diploma in Management, Marketing, Institute of Management Technology, Ghaziabad

Bachelor of Technology, Information Technology, KIIT - Kalinga Institute of Industrial Technology