Headline

Technical Product Manager | Fintech: Credit Risk, KYC & Identity Verification | 1M+ Users · $2M+ Impact | India, Brazil, Philippines, Mexico | Open to US, Canada, UAE & EU 🌏

About

Hello there!! I am Harinder and here's a little something about me. I build financial products that open doors for people the system has traditionally left out. As a Technical Product Manager with 9+ years in fintech, I've shipped credit risk, identity verification, and consumer lending products across India, Brazil, Philippines, and Mexico — serving 1M+ users and contributing $2M+ in business revenue. My most meaningful work has been on Grameen Credit Score: India's first rural credit identity product, built for 500M+ borrowers who've been invisible to formal credit bureaus — not because they're uncreditworthy, but because the system wasn't designed for them. I work deep in the technical layer of my products: writing SQL against ETL pipelines, reviewing API contracts, and defining acceptance criteria for ML model outputs — score distributions, drift thresholds, accuracy benchmarks — alongside owning the roadmap. That technical fluency is what lets me move fast with engineering and data science teams without losing translation in either direction. What I care about most as a PM: — Treating compliance and credit teams as internal customers, not gatekeepers — Tying every sprint to a measurable business outcome, then closing the loop post-launch — Making ambiguity feel like an opportunity, not a blocker I've navigated RBI, BSP, DPDP Act, and PMLA requirements while shipping fast — improving loan approval rates by ~20%, sprint predictability from 60% to 85%, and identity resolution accuracy by 10%, each through evidence-based product decisions, not instinct alone. Currently exploring Senior PM and Lead PM opportunities in fintech, consumer lending, and financial inclusion — remote or relocation-friendly. Open to connecting with PMs, fintech founders, and teams building products that put underserved customers first.

Location

Kurukshetra

AI stack

claude code

claude

gemini

Canva Magic Studio

ChatGPT

Microsoft Copilot

Work experience

Technical Product Manager at BBI, May 2024 - Jan 2026 · 1 yr 9 mos, Client: TransUnion - Own end-to-end product lifecycle for credit risk and identity verification products delivered for client partner TransUnion, serving 1M+ users across India, Brazil, and the Philippines and contributing $2M+ in annual revenue. - Define and execute product roadmap across 20+ high-impact features — improved sprint predictability from ~60% to ~85% and reduced delivery turnaround by 25%. - Led Grameen Credit Score Phase 1 — India's first rural credit identity product integrating SHG/MFI repayment data into an AI/ML scoring API; improved loan approval rates ~20% and cut manual verification effort by ~40%. - Delivered Credit Report MVP, Identity Verification Platform (India & Philippines), and CreditVision v4 — reusing 65–90% of core infrastructure across markets while adapting regulatory logic per jurisdiction. - Translated multi-market regulatory requirements (RBI, BSP, DPDP Act 2023, PMLA) into sprint-ready user stories with clear acceptance criteria for engineering and ML teams. - Led cross-functional delivery across 45+ engineers, data scientists, compliance, and business stakeholders — ensuring zero P1 production defects at go-live. - Defined acceptance criteria for AI/ML model outputs, including score distributions, drift thresholds, and accuracy benchmarks — enabling data-backed credit decisions for NBFC/MFI lender partners.

Product Owner – Delivery Enablement at BBI, Mar 2023 - Sep 2024 · 1 yr 7 mos, Client: TransUnion - Led delivery enablement for data-intensive credit risk and identity verification products for client TransUnion across India, Mexico, and the Philippines. - Improved identity resolution accuracy by 10% through enhanced data validation logic and pipeline improvements. - Led end-to-end API and data validation for cross-market identity pipelines — ensuring data integrity across heterogeneous, multi-jurisdiction systems. - Surfaced 15+ requirement gaps pre-sprint, preventing late-stage rework and improving engineering throughput. - Coordinated Philippines IDV go-live — zero P1 defects in the first 30 days post-launch.

Product Owner – Healthcare Platform Delivery at Carelon Global Solutions India, Sep 2020 - Feb 2023 · 2 yrs 6 mos, Bengaluru, - Owned requirements validation and feature scope for an enterprise healthcare SaaS platform, partnering with PMs, engineering, and business analysts to translate stakeholder needs into release-ready specifications. - Defined acceptance criteria and release readiness standards for Agile sprints, improving platform reliability and reducing production-impacting issues. - Mentored 5–7 team members on requirements analysis and delivery practices, improving onboarding speed and team output.

Associate Consultant – Release & Requirements Engineering at Capgemini, Sep 2016 - Sep 2020 · 4 yrs 1 mo, Bengaluru, - Partnered with engineering teams to define release requirements and acceptance criteria for enterprise applications, improving release reliability and reducing regression cycles. - Owned defect triage and release quality reporting using JIRA and CI/CD pipelines, surfacing risks early to keep cross-functional teams aligned on scope and timelines.

Education

Bachelor of Engineering - BE, Electrical, Electronics and Communications Engineering, nitte meenakshi institute of technology