---
title: "Gaurav Dhawan - Chief Manager - Product/ Sr BA in Mumbai | Tal"
description: "Meet Gaurav Dhawan, Fintechs | Digital lending | Previously worked closely with CXOs in the capacity of founder’s office role/product manager for VC funded fintechs/NBFCs based in Mumbai. AI stack includes claude code, claude, and gemini."
image: "https://tal.club/meet/gaurav-dhawan/share-image"
---

# Gaurav Dhawan on Tal

## 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

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

```json
{
  "@context": "https://schema.org",
  "@graph": [
    {
      "@type": "Person",
      "@id": "https://tal.club/meet/gaurav-dhawan#person",
      "name": "Gaurav Dhawan",
      "url": "https://tal.club/meet/gaurav-dhawan",
      "image": "https://tal.club/meet/gaurav-dhawan/profile-photo.jpg",
      "description": "Meet Gaurav Dhawan, Fintechs | Digital lending | Previously worked closely with CXOs in the capacity of founder’s office role/product manager for VC funded fintechs/NBFCs based in Mumbai. AI stack includes claude code, claude, and gemini.",
      "jobTitle": "Chief Manager - Product/ Sr BA",
      "worksFor": {
        "@type": "Organization",
        "name": "Western Capital Advisors Pvt Ltd"
      },
      "hasOccupation": {
        "@type": "Occupation",
        "name": "Chief Manager - Product/ Sr BA"
      },
      "homeLocation": {
        "@type": "Place",
        "name": "Mumbai"
      },
      "alumniOf": [
        {
          "@type": "EducationalOrganization",
          "name": "University of Mumbai"
        }
      ],
      "knowsAbout": [
        "claude code",
        "claude",
        "gemini"
      ],
      "mainEntityOfPage": {
        "@id": "https://tal.club/meet/gaurav-dhawan#webpage"
      }
    },
    {
      "@type": "ProfilePage",
      "@id": "https://tal.club/meet/gaurav-dhawan#webpage",
      "url": "https://tal.club/meet/gaurav-dhawan",
      "name": "Gaurav Dhawan on Tal",
      "description": "Meet Gaurav Dhawan, Fintechs | Digital lending | Previously worked closely with CXOs in the capacity of founder’s office role/product manager for VC funded fintechs/NBFCs based in Mumbai. AI stack includes claude code, claude, and gemini.",
      "dateModified": "2026-10-26T17:07:36.937Z",
      "isPartOf": {
        "@id": "https://tal.club/#website"
      },
      "mainEntity": {
        "@id": "https://tal.club/meet/gaurav-dhawan#person"
      },
      "primaryImageOfPage": {
        "@type": "ImageObject",
        "url": "https://tal.club/meet/gaurav-dhawan/profile-photo.jpg",
        "contentUrl": "https://tal.club/meet/gaurav-dhawan/profile-photo.jpg",
        "caption": "Gaurav Dhawan profile photo on Tal"
      },
      "inLanguage": "en-IN"
    }
  ]
}
```