Headline

Senior Product Manager at CRED | Ex-UiPath

About

I build the payment rails people never think about. Until they fail. For nearly four years, I've worked on UPI at CRED, now as Senior Product Manager for UPI Consumer & Platform, building the systems behind ~200M transactions a month. What I've shipped: - Biometric authentication on UPI: proposed it to NPCI and built it from scratch - Industry firsts with NPCI: multi-issuer bank linking, SMS Retriever–based device binding, and UPI auto-onboarding from SMS-detected accounts - Multi-PSP, with a payments router and an outage model that keeps payments flowing when a partner bank goes down - Credit cards on UPI, UPI AutoPay, Aadhaar-based PIN setup, and the platform engines behind limits, serviceability and deduplication Most of my work happens across teams. Internally, I work closely with engineering, design, data science, analytics, customer support, legal, compliance, and partnerships. Externally, I work with the regulator, partner banks, TSPs and merchant aggregators. A big part of my role is managing these stakeholders and bringing everyone together around the same problem and the same plan. How I work: I start from first principles, not industry norms. I ask questions until the problem is clear, and I rely heavily on data and analytics, tracing every metric dip to its root cause and not calling something fixed until the numbers say so. I also build for the long term, so the next team doesn't have to rebuild. Before CRED, I spent around 5 years in automation, as a Product Consultant at UiPath and a Software Engineer at Enquero, shipping document processing, NLP, and RPA products. ------------------------------------------------------------------------------------------------- Outside work, I co-led my college dance team and still dance, sing, and play cricket and badminton whenever I can. I invest actively and care a lot about personal finance education. If you're working on payments, platforms, or anything in a regulated space, I'd enjoy exchanging notes. Feel free to connect and say hi! :)

Location

Bengaluru

AI stack

claude code

claude

ChatGPT

Granola

Work experience

Senior Product Manager - UPI Consumer & Platform at CRED, Oct 2025 - Present · 1 yr 1 mo

Product Manager II - UPI Consumer & Platform at CRED, Apr 2024 - Sep 2025 · 1 yr 6 mos

Product Manager I - UPI Platform at CRED, Feb 2023 - Mar 2024 · 1 yr 2 mos

Product Consultant at UiPath, Apr 2021 - Jan 2023 · 1 yr 10 mos, Bengaluru, Karnataka, India

Data Analyst at The Data Monk, Jul 2020 - Dec 2020 · 6 mos, Bengaluru, Karnataka, India

Software Engineer at Enquero, Jun 2018 - Apr 2021 · 2 yrs 11 mos, Bengaluru, Karnataka, India, Consulted for Atlassian

Financial Market Analyst at Futures First, Jan 2017 - Jun 2017 · 6 mos, Gurgaon, Haryana, India

Education

Bachelor of Technology - B.Tech, Electronics and Communications Engineering, Punjab Engineering College

CAP Product Management, Product Management, Upraised