Headline

Fintechs | Digital lending | Previously worked closely with CXOs in the capacity of founder’s office role/product manager for VC funded fintechs/NBFCs

About

Over the last seven years I've worked across large NBFCs and early-stage fintechs, and the common thread has been the same: taking messy, manual credit processes and turning them into systems that scale without breaking. At Western Capital, I lead product for secured retail lending. I took our LOS from a basic data-capture tool to a full end-to-end lending platform now supporting a ₹550+ Cr annual disbursement run-rate across retail and partnership channels. Before this, at Capri Global, I launched a digital MSME lending portfolio through partnership-led sourcing, scaling it to ₹45 Cr AUM within a ₹100 Cr book. At Auxilo Finserve, I was the first hire in domestic education loans and built the digital lending platform from zero. My earlier years were spent in startup rooms. At BharatNXT I sat in the CEO's office, built the financial model and investor decks, and drove product experience to a 2x MoM lift in active transacting SMEs. At Eduvanz I supported a $5 Mn corporate debt raise and built the MVP for their corporate learning product. At CreditEnable I was part of the founding team, helping set up a SME loan fulfilment platform in under three months. Currently exploring senior product roles in lending and fintech where the problem is hard and the ambiguity is real. Mumbai-based. Always happy to talk.

Location

Mumbai

AI stack

claude code

claude

gemini

Work experience

Chief Manager - Product/ Sr BA at Western Capital Advisors Pvt Ltd, Apr 2026 - Present · 7 mos

Product Manager at Western Capital Advisors Pvt Ltd, Mar 2025 - Mar 2026 · 1 yr 1 mo, On-site, - Architected the end-to-end evolution of the LOS across three phases from a basic data-capture tool into a fully system-driven lending platform supporting ₹400+ Cr AUM and ~₹650 Cr in annual disbursements across retail and partnership channels. - Independently led LSP/co-lending channel as product owner; closed and implemented 3 live fully-automated API integrations (UBL & PL) with zero manual intervention scaling partnership-led disbursements to ₹300 Cr annual run rate with end-to-end business, risk, ops, and compliance sign-off ownership. - Replaced error-prone Excel CAMs with a system-driven underwriting module (Affordable HL & Micro LAP) achieving ~99% accuracy; independently designed an AI-assisted income assessment model across 3 business profiles (dairy, retail trader, civil contractor) using business photographs, BCM PD inputs, and bill uploads demonstrably reducing portfolio DPD. - Delivered automated sanction letter, loan agreement generation, and eSign capability alongside post-disbursement document automation reducing per-case branch processing time from 60–65 minutes to ~15 minutes (~75% TAT reduction). -Integrated GPT image wrappers within the onboarding journey to analyse business images and ownership documents; system auto-detects document tampering and triggers BCM alerts and automated RCU checks catching fraud at point of origination. - Designed a 10-parameter weighted risk categorisation model (FOIR, LTV, business type + 7 product parameters) from scratch within the LOS, replacing a one-dimensional bureau-score approach; integrated automated Re-KYC triggers per risk tier, per RBI directive.

Product Manager at Capri Global Capital Ltd., Apr 2024 - Mar 2025 · 1 yr, Mumbai Metropolitan Region, - Launched the digital MSME lending vertical from scratch ; designing end-to-end origination-to-disbursement workflows across 2 live lending partners (BharatPe & CTL) scaling to ₹45 Cr AUM within a ₹100 Cr MSME book in under 12 months. - Translated business credit policies into system-driven BRE rules within the no-code/low-code platform, enabling automated underwriting decisioning for unsecured business loans and PL products with minimal dev dependency. - Authored all PRDs and BRDs; served as single point of accountability across business, risk, tech, and compliance owning full roadmap execution from API integration through to go-live across both partnership channels.

Product Manager- Digital Lending at Auxilo Finserve Private Limited, Sep 2022 - Apr 2024 · 1 yr 8 mos, Mumbai Metropolitan Region, - First product hire for the domestic education loans vertical; led a 4-person outsourced tech team to deliver a full-featured LOS and customer-facing web application covering origination, co-applicant underwriting, KYC, eSign, and disbursement from zero to go-live in 6 months. - Built the platform to ₹10 Cr AUM across 400 loan accounts at an average ticket size of ₹2–3L, reporting directly to the National Sales Head. - Designed underwriting workflows handling mandatory co-applicant structures (parent income assessment), placement-backed course eligibility checks, direct fee disbursement to institutes with end-use monitoring, and NACH on student accounts with FLDG (5%) and NSDC credit guarantee as structural risk mitigants. - Authored complete BRD, PRD suite, and product roadmap; standardised all operational SOPs for the digital lending team; served as single point of accountability across business, risk, tech, and compliance throughout the build.

Founder's office at BharatNXT, Dec 2021 - Aug 2022 · 9 mos, • As part of the founding team, played a pivotal role in conducting competitive research on product development and market sizing of B2B credit card spends in India, while working in a CEO's office role. • Responsible for creating investor-ready pitch decks and developing a comprehensive financial model of the company to support its fundraising activities. • Drove the product experience strategy for the app, actively engaging with the SME userbase and achieving a 2X increase in monthly active transacting users on a Month-on-Month basis. This resulted in an annual transaction run rate of $2MN USD.

Analyst at Eduvanz, Feb 2021 - Nov 2021 · 10 mos, • Assisted in corporate debt raise of 5MN USD and led the cohort requirements of current and prospective lenders. • Lead the end-to-end execution of launching upskilling modules (content creation/curation/partnerships, project implementation in coordination with product/design/tech teams, tracking data metrics and iterating on the versions to further improve the E-learning Marketplace) • Researched and developed product MVPs for Eduvanz’s corporate product by defining and developing user journeys and wireframes. • Managed 5 interns and led UI/UX research on existing competition

Education

Bachelor's degree in accounting and finance, Accounting and Related Services, University of Mumbai