---
title: "Harshit Goyal - Senior Product Manager - UPI Consumer & Platform in Bengaluru | Tal"
description: "Meet Harshit Goyal, Senior Product Manager at CRED | Ex-UiPath based in Bengaluru. AI stack includes claude code, claude, and ChatGPT."
image: "https://tal.club/meet/harshit-goyal-5/share-image"
---

# Harshit Goyal on Tal

## 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

[View the original profile](https://tal.club/meet/harshit-goyal-5)

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