Headline

Head of Product & Growth, Lending @ CRED | Ex-SVP Product, INDmoney | Consumer & Fintech product leader

About

Most people's money is scattered across a dozen institutions that don't talk to each other. A salary account here, an old EPF there, a few mutual funds, a card, a loan, some gold nobody has valued since the day it was bought. India built the Account Aggregator framework to fix exactly that, and I've spent most of the decade on the two halves of the problem: what people owe, and what they own. At CRED, I run product and growth for lending and co-own the P&L, and I lead product for CRED Money on the wealth side. Credit on one side of a member's balance sheet, their assets on the other. Before this, I was SVP Product at INDmoney, where I built what became the country's leading personal finance product on the same AA rails & also pioneered investing into US Stocks. The lending half is where I've learned the most. Anyone can grow a loan book. Growing one while its credit quality improves is a different job, and it gets won in places that don't look like product work: how you price for risk, which lending partners you pick, how quickly a policy change can reach production, whether your collections process treats people like people. We put a book through a hard growth phase and came out with better economics than we went in with. Before any of this I spent four years at MakeMyTrip building consumer product with Fintech anywhere in sight, and that contrast is still useful most weeks. I also did a stint as interim head of marketing at INDmoney, which I'd recommend to any product leader. Most of the industry still builds for the fragment. The whole picture is the harder problem and the better one.

Location

Bengaluru

Work experience

Head of Product & Growth, Lending at CRED, Nov 2023 - Present · 2 yrs 11 mos, Bengaluru, Karnataka, India, CRED is a consumer fintech with 30M+ members across payments, credit and commerce. I run product and growth for the lending business and co-own its P&L. That covers CRED Cash, CashX and CRED Cash+, with a cross-functional team across consumer product, platform and growth. Most of the last two years has gone into launching two new 0--> 1 products (CRED Cash+ and CashX) while the existing one (CRED Cash) kept growing and scaling the book while improving the economics. I also lead product for CRED Money, the wealth side of the app. It sits on India's Account Aggregator rails and brings a member's bank balances, mutual funds, stocks, NPS, EPF and other asset classes into one view. --> Consumer Products - CRED Cash (flagship unsecured product with pre-approved loans, $2Bn+ AUM), CRED Cash+ (loans against mutual funds), CashX (unsecured term loan), CRED Money (personal finance management) --> Platforms - Credit Risk & Underwriting, Loan Origination Systems (LOS), Loan Management Systems (LMS) and Debt Collections Platforms --> Growth & Product Marketing - Cross-sell, Performance marketing

SVP, Product Management & Head of Product at INDmoney, Apr 2023 - Nov 2023 · 8 mos, Bengaluru, Karnataka, India, INDmoney is one of India's largest wealth and investing apps. Stocks, mutual funds, US equities, lending, neobanking. Head of Product, reporting to the founder-CEO, owning growth, lending and platforms. I joined a four-person product team and left a thirteen-person product and design org. In between: launched INstaCash, built the neo-banking vertical & payments checkout platform on the back of US Stocks & Indian Stocks investing, built what became the country's leading personal finance product on the Account Aggregator rails, and did a stint as interim head of marketing running the first brand campaign with Ankur Warikoo. The Account Aggregator work won at SamvAad 2023. That one mattered more than I expected, because it was a validation of the consumer-grade work done at Ecosystem level.

Vice President, Product Management at INDmoney, Aug 2021 - Mar 2023 · 1 yr 8 mos, Bangalore Urban, Karnataka, India, Joined to build the product function and led it through the company's highest-growth phase. Growth and lending first, then platform. Promoted to SVP, Product Management & Head of Product in April 2023.

Associate Director - Product at PayU, Jul 2020 - Aug 2021 · 1 yr 2 mos, Bangalore Urban district, India, PayU is the payments and lending arm of Prosus. LazyPay is its consumer credit business. Product lead for LazyPay: BNPL, credit on UPI, KYC, merchant integrations and the consumer apps. We shipped LazyPlus UPI, the first product in India to put credit on UPI rails, and built the underwriting in-house. The BNPL years taught me more about credit risk than anything since.

Lead Product Manager - Mobile, Growth & Platform products at MakeMyTrip, Apr 2018 - Jul 2020 · 2 yrs 4 mos, Bengaluru Area, India, Product lead across the mobile apps, growth, onboarding, cross-sell and loyalty at India's largest online travel group. Built the engagement engine and the personalised home page from scratch, shipped Login with WhatsApp, and ran the gamified loyalty campaigns that got a large share of the base to enrol. Four years of consumer product where I believed engagement is where there are new user problems to solve everyday :)

Product Manager at MakeMyTrip, Apr 2016 - Mar 2018 · 2 yrs, Gurgaon, India, Built and launched MMT Black and Double Black, MakeMyTrip's loyalty programmes.

Product Management Intern at MakeMyTrip, Aug 2015 - Mar 2016 · 8 mos, Gurugram, Haryana, India, Interned as part of Hotels team. Built the UGC stack on top of user reviews to make the user purchase decisions better. Got a PPO and joined them back as an APM.

Software Engineer at EMC, Jul 2012 - May 2014 · 1 yr 11 mos, Bengaluru, Karnataka, India, Built the middleware and UI layer for VPLEX, EMC's enterprise data-mobility product. The engineering years still show up in how I work with engineering teams.

Education

Dual, Computer Science, Birla Institute of Technology and Science, Pilani

Master of Business Administration (M.B.A.), Marketing/Marketing Management, General, SPJIMR SP Jain Institute of Management & Research