---
title: "Debatra Bakshi - Senior Product Manager in Mumbai | Tal"
description: "Meet Debatra Bakshi, Senior Product Manager | Digital Lending, Payments & Platforms | API Products | 0→1 & 1→n | Product Growth based in Mumbai. AI stack includes codex, cursor, and gemini."
image: "https://tal.club/meet/debatra-bakshi/share-image"
---

# Debatra Bakshi on Tal

## 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

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

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