Headline

Shipping 0-1 products @ super.money (User Growth, Revenue, AI initiatives, Data Platform) | x-CRED | IIT Madras | CFA L3

About

I build consumer products 0 to 1 - and the data and growth systems that scale them. In the last <1.5 years at super.money, I have shipped: referral (now our largest & cheapest paid channel), digital gold, ads, gift cards, flights, streaks, a full data platform (cohorts, experiments, journeys, comms WiP), personal loans on deck and rent payments - while leading AI initiatives across the org. Cross-sell 3Xed on my watch, and our membership program compounds growth month on month at zero cost. Before that, 4+ years at CRED across growth, payments and cards: 1.5Xed UPI scan-and-pay with the IPL '24 streaks product, lifted activation 25%+ and retention 5%+, led CRED's entry into in-app tokenisation with Visa & Mastercard, and introduced revenue cross-sell on cards management (+5% to the org top line). How I work: study human motivation, hypotheses written in numbers, fast experiments, LLMs as a daily build tool. I prototype constantly with agents - even this profile has an AI second brain you can chat with. CFA Level 3 candidate. IIT Madras dual degree. I do my best work in senior PM roles where the problem is ambiguous, the surface area is large, AI is leveraged end to end and the bar is taste plus rigor. Chat with my AI second brain: https://ishnx.github.io/ishan-kulkarni/ask-me

Location

Bengaluru

AI stack

claude code

openai

openclaw

Work experience

Senior Product Manager at super.money, Apr 2025 - Present · 1 yr 6 mos, Bengaluru, Karnataka, India, Leading across — Acquisition, Cross-sell, Rewards, Gamification, Data Platform, Growth, 0-1 Revenue, AI initiatives Consumer: (1) 0 to 1 Referral: largest & cheapest acquisition channel (2) 0 to 1 Digital Gold (3) 0 to 1 Ads (4) 0 to 1 Gift Cards (5) 0 to 1 Flights (6) 0 to 1 Streaks (7) 0 to 1 Data Platform - cohorts, experiments, journeys, comms (8) 0.5 to 1 Personal Loans on-deck (9) 0 to 0.5 Rent payments AI & Data: • Built the central data platform 0 to 1 - cohorts, experiments, journeys, comms (WIP) - that now powers org-wide growth & experimentation • Driving AI initiatives across product surfaces, from internal tooling to user-facing experiences Side outcomes: (1) 3Xed Cross-sell: baseline shifted the multi-product adoption (2) x% MoM Perpetual growth: CAGR at 0 cost by introducing a new membership program

Product Manager II (CRED Growth) at CRED, Sep 2024 - Mar 2025 · 7 mos, Bengaluru, Karnataka, India

Strategy & Corporate development at CRED, Sep 2023 - Feb 2024 · 6 mos, Bengaluru, Karnataka, India, Fortunate to get the opportunity to learn from Miten on inorganic growth, enabling to scope potential M&A assets across Indian FinTech.

Product Manager II (CRED Pay) at CRED, Aug 2023 - Aug 2024 · 1 yr 1 mo, Bengaluru, Karnataka, India, UPI Scan & pay: - 1.5X growth by introducing streaks product @ IPL '24 - Improved activation rate by 25%+ - Improved retention by 3%+ Tap & pay: - Unlocked 2X growth levers CRED Pay online: - Led entry into in-app tokenisation with Visa & Mastercard X-sell: - Championed the introduction of revenue products in the payments flow.

Founding Product Manager at Konvos, May 2020 - Jul 2020 · 3 mos, Tampere, Pirkanmaa, Finland, Setup product practice to support individuals experiencing social isolation during the COVID'19 pandemic - enabling them to express their emotions on their smartphones, analyse their voices, and share reflections (Konvos stands for ‘convos’ i.e., conversations).

Mechanical Engineer at Reliance Industries Limited, May 2020 - Jun 2020 · 2 mos, Maharashtra, India, Conducted thorough analysis of a Reliance NMD plant's powertrain & proposed measures to gap 5.5% efficiency of C3R compressor-turbine couple, instantly optimising 1.5% operations cost. - Planned a better maintenance schedule to avoid potential breakdowns going forward.

Education

B.Tech+M.Tech Dual Degree, Mechanical Engineering, Indian Institute of Technology, Madras

Completed 12th Grade, Mathematics, Physics & Chemistry, S. S. High School & Jr. College

Public links

github: https://github.com/ishnx