---
title: "DWIPAYAN KAR - Product Manager in Bengaluru | Tal"
description: "Meet DWIPAYAN KAR, Product Manager | InCred Finance | Lending | Edtech | IIT Kharagpur based in Bengaluru. AI stack includes antigravity, claude code, and deepseek."
image: "https://tal.club/meet/dwipayan-kar/share-image"
---

# DWIPAYAN KAR on Tal

## Headline

Product Manager \| InCred Finance \| Lending \| Edtech \| IIT Kharagpur

## About

Currently working as a Product Manager at InCred, I did my engineering from IIT Kharagpur\. At InCred, I independently conceptualised, designed and launched multiple “0 to 1” products ranging from Embedded Lending to Top Up/UpSell Loan Products to internal tools for investment tracking and reconciliation, enabling me to learn the nuances of both B2C and B2B product management\. Have been consistently rated “Exceeds Expectations” based on my performance\. These products are cumulatively generating an Annual Recurring Disbursements of INR 1800\+ Crore My diverse experiences at InCred, where I was entrusted with responsibilities beyond my designation and years of experience, have equipped me with the confidence, audacity, and skills to lead and build products across domains regardless of scale\. Prior to InCred, I was a Product Management Intern at Leap Scholar\(Study Abroad assistance startup\) where I learnt the ropes of Product Management\. My biggest strengths are product sense, problem\-solving, customer\-obsession, analytical ability and strategic thinking\. I am always willing to learn and pick up new skills as and when the need arises\. Interested in Product Management, Venture Capital, Strategy, Innovation and Product Marketing roles\. Open to new experiences\. Avid reader\. Passionate about Sports\.

## Location

Bengaluru

## AI stack

antigravity

claude code

deepseek

gemini

geminicli

claudecode

## Work experience

Product Manager at InCred Financial Services, Apr 2024 \- Present · 2 yrs 5 mos, Bengaluru, Consistently rated “Exceeds Expectations” for independently owning multiple 0\-to\-1 digital Top Up, Upsell and Embedded Personal Loan products, cumulatively generating Annual Recurring Disbursements of INR 1800\+ Crore\. Additionally, I developed internal tools and drove adoption through significant improvements to the flagship Personal Loan product while ensuring rapid delivery and minimal post\-release tech support tickets\. Embedded Lending Led a team of 6 engineers and QAs to build native Embedded Lending backend and API suite\. Integrated with 11 partners like Ola, Paytm; scaled to INR 75 Cr/month disbursals \(750 million\) within 4 months\(since capped by Risk exposure\) Designed a flexible, prerequisite\-driven workflow to expedite partner onboarding\. Drove a 7pp increase in video KYC completion \(85% → 92%\) using heuristic logic\. Introduced alternate number functionality for AA \-> \+6\.6% disbursal uplift\. \+3\.2% conversion by CPA check strategy; recovered 19% system\-declined cases\. \+11% penny name match in Self\-Employed segment using GST data\. \+40% EPFO positive rate via fuzzy name match strategy E\-Bill Loan Offer Upgrade Suite Launched, resulting in \+4\.19% disbursals \(INR 14 Cr/month or 140 million\)\. Opt\-in rate improved from 18% → 35\.4% via UX optimization\. Enabled Soft Offer BRE Vendor Cost Optimization Achieved 43% reduction in vendor costs, saving INR 3\.8M/month \(3\.8 million\)\. Central Dedupe Rules Defined the tech service architecture and SLAs Led X\-functional alignment and X\-pod execution Term Loan Flow Optimization \+7% conversion, \+8% ticket size, and \-21\.5% tech support via renegotiation features\. Insurance penetration: 30% → 68% via 'Floating Insurance' \+32% funnel productivity for DSA channel via 'Banking on Web'\. \+4pp offer acceptance via real\-time tenure reduction\. Residence verification waivers increased from 6% → 14%\. Moved penny drop later in flow, waiving penny tests for 60% of customers\. \-45% RCU workload; \-1 day Sales wait time for referred cases\.

Associate Product Manager at InCred Financial Services, Apr 2022 \- Mar 2024 · 2 yrs, Bengaluru, 0 → 1s Independently conceptualised, designed and launched two “0 to 1” Top Up/UpSell Loan Products \-Term Loan Top Up \-Line of Credit to Term Loan Upgrade \-Both are doing cumulative disbursals of \~100 Crore INR per month \-Delivered a 6\.6% uplift in disbursals by introducing alternate phone number functionality for Account Aggregator\. \-Led a team of engineers and designers to ingeniously and swiftly develop an internal portal for InCred Wealth using Google Sheet as the backend to capture investments made by HNI clients while enabling Row Level Security, on\-demand structured data sharing and standardised data entry\. This architecture empowered seamless addition and modification of product types through straightforward updates in Google Sheets\. \-Automated the foreclosure of existing loans and drawdowns for Top Up loan products to remove operational bottlenecks to scaling\. \-Replicated the entire residence verification module in browser within a month to achieve the status quo ante of digital residence verification rate\(68%\) after Google removed fine location access for personal loan apps\. \-Worked with Risk and Credit team to modify the Residence verification policy leading to increase in digital residence verification \-Worked on requirement fleshing, technical alignment and designing the Customer Onboarding journey for InCred Wealth’s HNI customers\. \-Automated the collections related comunications to customers by creating optimised data pipelines between the database and CRM software and running daily batch jobs\. \-Revamped the onboarding form UX to reduce accidental segment rejects from 24% to 15% in LSP channel\.

Product Manager Intern at Leap Finance, Jan 2022 \- Apr 2022 · 4 mos

Data Analyst at Quantta Analytics Plc\., May 2015 \- Jul 2015 · 3 mos, Kolkata Area, India, • Spearheaded a team of 4 to deliver data science and analytics projects\. Was responsible for resource pooling and allocation, roadblock removal\(technical and interpersonal\) and collaboration among different teams\. • Gathered and structured the required economic, financial and demographic data by Data Mining through R script automation and subsequently designed and implemented a statistical model to identify the most favourable locations for opening new centres of a diagnostic and healthcare chain in 5 different Tier 1 cities of India\. • Mined, cleaned and structured publically available voter data using R scripts for further analysis\. Designed and implemented a model to gauge polling tendencies depending on various socio\-economic factors to assist the largest political party of India to take better decisions in one of the State Assembly elections\. The client won an unprecedented victory\.

Social Media Manager at Public Relations Cell,IIT Kharagpur, Aug 2013 \- Feb 2015 · 1 yr 7 mos, Kharagpur Area, India, Designed and executed the Social Media Strategy for Public Relations Cell, IIT Kharagpur\.I was also actively involved in developing content for the same\. The highlights during my tenure so far are: 1\. IIT Kharagpur ranked 1st in Social Media among universities across India by Careers360 in 'SOCIOVERSITY TOP 25' December Edition\. 2\. Increase in Facebook Likes from 36K to 221K\. 3\. Increase in Facebook "Check\-ins" from 8K to 48K\+\. 4\. Increase in Twiiter followers by 2\.5K\. 5\. Hosted and Moderated 1 Twitter Chat \(First time by any University\) for community engagement\.

Head of Public Relations at Autonomous Ground Vehicle Research Group, Jul 2013 \- Mar 2015 · 1 yr 9 mos, Kharagpur Area, India, • Led a team in raising funds and sponsorship worth 7 lac INR\($9440\) and fostered corporate partnerships for the project\. • Developed the Product Requirement Documents for the Software, Mechanical and Embedded teams and coordinated their functions\. • Conceptualised and guided the development of the website, brochure and other portals\. • Managed and coordinated the working of the Technical team on a daily basis\. • Recruited new members for the team\. • Presented the work of the team in various seminars

## Education

Engineer's Degree, Mechanical Engineering, Indian Institute of Technology, Kharagpur

High School, Ramkrishna Mission Vidyalaya,Narendrapur

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

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