--- title: "Harinder K. - Technical Product Manager in Kurukshetra | Tal" description: "Meet Harinder K., Technical Product Manager | Fintech: Credit Risk, KYC & Identity Verification | 1M+ Users ยท $2M+ Impact | India, Brazil, Philippines, Mexico | Open to US, Canada, UAE & EU ๐ŸŒ based in Kurukshetra. AI stack includes claude code, claude, and gemini." image: "https://tal.club/meet/harinder-kaur/share-image" --- # Harinder K\. on Tal ## Headline Technical Product Manager \| Fintech: Credit Risk, KYC & Identity Verification \| 1M\+ Users ยท $2M\+ Impact \| India, Brazil, Philippines, Mexico \| Open to US, Canada, UAE & EU ๐ŸŒ ## 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 โ€” 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 โ€” 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 โ€” score distributions, drift thresholds, accuracy benchmarks โ€” 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: โ€” Treating compliance and credit teams as internal customers, not gatekeepers โ€” Tying every sprint to a measurable business outcome, then closing the loop post\-launch โ€” Making ambiguity feel like an opportunity, not a blocker I've navigated RBI, BSP, DPDP Act, and PMLA requirements while shipping fast โ€” 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 โ€” 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 ยท 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 โ€” improved sprint predictability from \~60% to \~85% and reduced delivery turnaround by 25%\. \- Led Grameen Credit Score Phase 1 โ€” 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 โ€” reusing 65โ€“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 โ€” ensuring zero P1 production defects at go\-live\. \- Defined acceptance criteria for AI/ML model outputs, including score distributions, drift thresholds, and accuracy benchmarks โ€” enabling data\-backed credit decisions for NBFC/MFI lender partners\. Product Owner โ€“ Delivery Enablement at BBI, Mar 2023 \- Sep 2024 ยท 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 โ€” 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 โ€” zero P1 defects in the first 30 days post\-launch\. Product Owner โ€“ Healthcare Platform Delivery at Carelon Global Solutions India, Sep 2020 \- Feb 2023 ยท 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 5โ€“7 team members on requirements analysis and delivery practices, improving onboarding speed and team output\. Associate Consultant โ€“ Release & Requirements Engineering at Capgemini, Sep 2016 \- Sep 2020 ยท 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 [View the original profile](https://tal.club/meet/harinder-kaur) ```json { "@context": "https://schema.org", "@graph": [ { "@type": "Person", "@id": "https://tal.club/meet/harinder-kaur#person", "name": "Harinder K.", "url": "https://tal.club/meet/harinder-kaur", "image": "https://tal.club/meet/harinder-kaur/profile-photo.jpg", "description": "Meet Harinder K., Technical Product Manager | Fintech: Credit Risk, KYC & Identity Verification | 1M+ Users ยท $2M+ Impact | India, Brazil, Philippines, Mexico | Open to US, Canada, UAE & EU ๐ŸŒ based in Kurukshetra. 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