Divyen Jain profile photo 1 on Tal

Divyen Jain

Product Leader | Group Product Manager | WealthTech, Fintech & Lending | 0→1 & Scale | IIT Roorkee

Bengaluru

10+ years of work experience

PowerUp Money
Jun 20251 yr 1 moJun 2026

Bengaluru, Karnataka, India

Led product for PowerUp Money's wealth and investment businesses across investment advisory, mutual funds, fixed deposits, and premium advisory. • Built and scaled DIY Mutual Fund Advisory to 5 lakh paid subscribers and ~₹100 Cr ARR. • Built portfolio intelligence products including Portfolio vs Market, Tax Harvesting, Year-End Wrap and Power Select. • Launched Mutual Fund Execution and owned the BSE 2.0 integration, scaling to a ₹15,000 Cr annualized transaction run-rate. • Built and scaled the Fixed Deposit business to ₹250 Cr+ AUM across multiple banking partners. • Set up PowerUp Infinite, a premium 1:1 Mutual Fund advisory offering, while leading a lean team across product and growth.
Uni Cards
Apr 20223 yrs 2 mosMay 2025

Bengaluru, Karnataka, India

Built and scaled investment products at UNI across P2P investments and Financial Freedom. • Built and scaled the P2P investment business to ₹500 Cr in customer investments within 12 months, owning product strategy and the end-to-end product lifecycle. • Launched Flexi with instant liquidity and fixed-tenure investment products offering higher returns for longer commitments. • Owned the end-to-end NBFC integration and worked across engineering, UX, business, marketing and operations to launch and scale the product. • Built and launched PowerAge, a standalone Financial Freedom product, achieving approximately $1 CAC and laying the foundation for the investment advisory proposition that later evolved into PowerUp Money.
Avail Finance
Nov 20192 yrs 5 mosMar 2022

Bengaluru, Karnataka, India

Worked on building a new lending product, with ownership of the end-to-end Loan Management System (LMS) and key product workflows. • Led product definition and execution for the LMS, covering core lending workflows and operational processes. • Worked extensively on enabling the PPI card capability as part of the broader product proposition. • Partnered closely with engineering, design, and business teams to define and build the product; the initiative was discontinued before launch following the company's shutdown.
PayU
Apr 20181 yr 8 mosNov 2019

Mumbai, Maharashtra, India

Built credit line products and underlying lending systems supporting a ₹1,500 Cr loan book. • Built an EMI checkout product for merchant payment journeys and integrated it with Amazon, Flipkart, and Byju's. • Improved disbursal conversion from 7% to 35% by optimising and automating KYC approval, retargeting, and NACH approval journeys. • Designed a multi-NBFC lending platform to enable loan booking across multiple lending partners.
Bajaj Finserv
Oct 20161 yr 7 mosApr 2018

Pune, Maharashtra, India

• Digitized the personal loan journey, replacing manual operational workflows with digital processes. • Built an internal CRM platform supporting Sales, Operations and Customer Care teams.
Girnar Care Pvt. Ltd. (CarDekho)
Jun 20151 y 3 moSep 2016

Jaipur

• Increased business leads by 95.5% on mobile web and 120% on mobile app through improvements to lead generation, allocation and product experience. • Conceptualized and executed an online car booking pilot and contributed to UX, information architecture and redesign of new and used car journeys.

Divyen’s AI Stack

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claude
codex
codex
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perplexity
perplexity
ChatGPT
ChatGPT

Education

Bachelor of Technology (BTech), Biotechnology

IIT Roorkee

20114 yrs2015

High School, Mathematics

Central Academy, Dadabari Kota

20082 yrs2010

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Headline

Product Leader | Group Product Manager | WealthTech, Fintech & Lending | 0→1 & Scale | IIT Roorkee

About

Product leader with 11+ years of experience building and scaling fintech products across wealth, investments, and lending. I have spent most of my career building consumer products, taking ideas from early problem discovery through product definition, launch, and scale. More recently, my work has focused on WealthTech—across investment advisory, mutual funds, fixed deposits and P2P investments. Along the way, I have also worked on financial platforms, complex integrations, and products that span technology, operations, and business. I enjoy ambiguous problems, strong product conversations and building simple experiences around complex systems.

Location

Bengaluru

AI stack

claude code

claude

codex

cursor

perplexity

ChatGPT

Work experience

Associate Director - Product at PowerUp Money, Jun 2025 - Jun 2026 · 1 yr 1 mo, Bengaluru, Karnataka, India, Led product for PowerUp Money's wealth and investment businesses across investment advisory, mutual funds, fixed deposits, and premium advisory. • Built and scaled DIY Mutual Fund Advisory to 5 lakh paid subscribers and ~₹100 Cr ARR. • Built portfolio intelligence products including Portfolio vs Market, Tax Harvesting, Year-End Wrap and Power Select. • Launched Mutual Fund Execution and owned the BSE 2.0 integration, scaling to a ₹15,000 Cr annualized transaction run-rate. • Built and scaled the Fixed Deposit business to ₹250 Cr+ AUM across multiple banking partners. • Set up PowerUp Infinite, a premium 1:1 Mutual Fund advisory offering, while leading a lean team across product and growth.

Group Product Manager at Uni Cards, Apr 2022 - May 2025 · 3 yrs 2 mos, Bengaluru, Karnataka, India, Built and scaled investment products at UNI across P2P investments and Financial Freedom. • Built and scaled the P2P investment business to ₹500 Cr in customer investments within 12 months, owning product strategy and the end-to-end product lifecycle. • Launched Flexi with instant liquidity and fixed-tenure investment products offering higher returns for longer commitments. • Owned the end-to-end NBFC integration and worked across engineering, UX, business, marketing and operations to launch and scale the product. • Built and launched PowerAge, a standalone Financial Freedom product, achieving approximately $1 CAC and laying the foundation for the investment advisory proposition that later evolved into PowerUp Money.

Senior Product Manager at Avail Finance, Nov 2019 - Mar 2022 · 2 yrs 5 mos, Bengaluru, Karnataka, India, Worked on building a new lending product, with ownership of the end-to-end Loan Management System (LMS) and key product workflows. • Led product definition and execution for the LMS, covering core lending workflows and operational processes. • Worked extensively on enabling the PPI card capability as part of the broader product proposition. • Partnered closely with engineering, design, and business teams to define and build the product; the initiative was discontinued before launch following the company's shutdown.

Product Manager - Digital Lending at PayU, Apr 2018 - Nov 2019 · 1 yr 8 mos, Mumbai, Maharashtra, India, Built credit line products and underlying lending systems supporting a ₹1,500 Cr loan book. • Built an EMI checkout product for merchant payment journeys and integrated it with Amazon, Flipkart, and Byju's. • Improved disbursal conversion from 7% to 35% by optimising and automating KYC approval, retargeting, and NACH approval journeys. • Designed a multi-NBFC lending platform to enable loan booking across multiple lending partners.

Product Manager - Digital Lending at Bajaj Finserv, Oct 2016 - Apr 2018 · 1 yr 7 mos, Pune, Maharashtra, India, • Digitized the personal loan journey, replacing manual operational workflows with digital processes. • Built an internal CRM platform supporting Sales, Operations and Customer Care teams.

Associate Product Manager at Girnar Care Pvt. Ltd. (CarDekho), Jun 2015 - Sep 2016 · 1 y 3 mo, Jaipur, • Increased business leads by 95.5% on mobile web and 120% on mobile app through improvements to lead generation, allocation and product experience. • Conceptualized and executed an online car booking pilot and contributed to UX, information architecture and redesign of new and used car journeys.

Education

Bachelor of Technology (BTech), Biotechnology, IIT Roorkee

High School, Mathematics, Central Academy, Dadabari Kota