Headline

Building products that move hearts & markets | Product & Growth Leader at Paytm, Razorpay & Shaadi.com

About

With 17+ years leading high-growth product organizations across fintech and consumer internet, I’ve built products that power both emotional and financial decisions; from helping millions find partners at Shaadi.com, to enabling frictionless payments at Paytm, to building tech-led credit and lending products at Razorpay Capital (B2B) I specialize in scaling retention-first ecosystems and building growth engines that combine user love with business outcomes. At Shaadi.com, I founded and scaled the Product Growth function, transforming it into a company-wide driver of engagement and monetization, improving conversion and retention metrics that shaped the platform’s growth playbook by 2020. I grew revenue for Shaadi.com at double-digit CAGR during COVID, scaled lending book size by 30x at Razorpay within a year, and consistently improved conversion, referral acquisition CAC while taking 30-day retention to the highest-ever levels at Paytm. I thrive in fast-paced, ambiguous environments where the challenge is to move fast, think boldly, and execute with precision. Whether it’s improving DAU/MAU through recommendation engines, boosting P&L via pricing strategies, or launching zero-to-one products, I bring an operator’s mindset with a builder’s heart. What drives me? Creating products that users love, teams are proud of, and businesses can scale. Focus Areas: P&L • Product Strategy • Retention & Growth Loops • PLG at Scale • Monetization Design • Data-led Decisioning • Org Design & Leadership Industries: Payments & UPI • Fintech • Consumer Internet • Automobile • Manufacturing

Location

Mumbai Metropolitan Region

AI stack

aistudio

antigravity

claude

deepseek

langfuse

langgraph

Work experience

Head - Product & Innovation at Home First Finance Company (HFFC), Nov 2025 - Present · 9 mo, Mumbai, Brought in to establish HomeFirst's AI product function from scratch and embed AI across the lending lifecycle, as the company pushes to scale digital-first origination and expand credit inclusion in a competitive affordable housing NBFC market

Vice President, Product & User growth at Paytm, Apr 2023 - Jul 2025 · 2 y 3 mo, Mumbai, Hired to lead the product, growth and monetization agenda for ~70M MAU and Paytm Chat, at a time the business needed to convert dormant users into active, revenue-generating engagement and turn Chat into a profit centre. Owned vision and P&L.

Head of Product, Marketing & Growth @ Razorpay Capital at Razorpay, Jul 2021 - Mar 2023 · 1 y 8 mo, Mumbai, Maharashtra, India, Hired to transform organization into a multi-product financial platform by expanding beyond lending into Cards, Embedded Finance and adjacent financial products.

Director of Product, Strategy & Growth at People Interactive, Jun 2013 - Jun 2021 · 8 y, Mumbai, Played a pivotal role in Shaadi.com's evolution from a matchmaking website to a mobile-first consumer platform. As the business scaled, my role evolved from building products to shaping growth, monetization and long-term product strategy of the platform. Progressed from Trainee to Director through six promotions in eight years

MBA Summer Intern at WIPRO TECHNOLOGIES, Apr 2012 - Jun 2012 · 3 mos, Electronic city, Bangalore, Designed a predictive model for field force scheduling in Service Lifecycle Management to optimize the overall field force management process.

Assistant Manager, Vendor development & NPD at Tata Motors, Sep 2010 - Jun 2011 · 9 mo, Jamshedpur, India, - Developed the Gear shift for Army’s Mine protection vehicle within 4 months. - ₹2.54 crores of annual savings by alternate vendor developments. - Delivered Speed Limiter gearboxes to Delhi DTC within 6 months of CWG, 2010

Officer, Materials at Greaves Cotton Limited, Jul 2008 - Aug 2010 · 2 y 1 mo, Chennai, India, - Implemented SAP – MM Module in Materials department for the organization. - ₹1.2 crores annual savings via strategic vendor selection & FIFO implementation

Education

Post Graduate Diploma in Management, Marketing, Institute of Management Technology, Ghaziabad

Bachelor of Technology (BTech), Mechanical Engineering, University of Kerala