Headline

Senior Product - Growth @ moneyview | ISB (Dean’s List) | Fintech & Payments | Strategy, Growth, Compliance

About

I am a thoughtful, impact-oriented product leader who thrives on bringing clarity to complexity. My approach is grounded in First Principles: cutting through the noise to uncover the core user need, then leveraging data and strategy to build scalable solutions. With a background in engineering and an MBA, I bridge the gap between technical feasibility and business strategy. I am as comfortable debating APIs and system architecture with developers as I am aligning P&L goals with CXOs. I don't just focus on shipping features; I focus on outcomes—managing the full lifecycle from zero-to-one builds to refining mature portfolios. Whether I am driving alignment in high-stakes CXO meetings or obsessing over the minute details of a user flow, I believe that rigour, data, and collaboration always win over hierarchy. Beyond work, I am a: - Astrophile: Drawn to things larger than life, from galaxies to first principles. - Karma Believer: Trusting the process and the balance of the universe. - Motorhead: Always game for a long ride and the hum of a good engine. Open to connect and discuss product, technology, finance, or the best riding routes.

Location

Bengaluru

AI stack

claude code

claude

gemini

Work experience

Senior Product Manager - Growth at Moneyview, Apr 2025 - Present · 1 y 6 mo, Bengaluru, Karnataka, India · Hybrid, Role - Senior Product Manager + Business & Relationship Manager Business Area - Compliance, AI Initiatives, Start -> Disbursal Funnel - Directing the product roadmap and owning P&L-impacting KPIs for a personal loans portfolio serving 5M+ users. - Influencing C-level strategy by championing user needs while ensuring alignment with business goals and RBI compliance. - Leading Gen-AI initiatives for outbound calling, increasing customer coverage by 100% and conversion by 30%. - Architecting a multi-vendor diversification strategy to mitigate lock-in risks and ensure system resilience. - Leading end-to-end vendor lifecycle management—from identification and commercial negotiations to finalization—driving significant portfolio-wide cost optimizations. - Partnering with legal, risk, and finance teams to mitigate fraud. - Building, hiring, and mentoring a high-performing team of Product Managers and Analysts.

Product Manager II - Growth at Moneyview, Feb 2023 - Apr 2025 · 2 yrs 3 mos, Bengaluru, Karnataka, India · Hybrid, Role - Product Manager + Business & Relationship Manager Business Area - Compliance, Video KYC + PAN, Selfie, Bank Acc Verification; KYC, Auto Debit Setup - Spearheaded the design and launch of a fully compliant, in-house Video KYC platform, increasing curated conversion by 13%. - Built a proactive downtime communication framework (HIF), reducing loan application TAT by 24 hours during external outages. - Optimized NACH mandate flows to improve conversion by 15% while cutting customer support queries by 60%. - Integrated Account Aggregator (AA) frameworks for income verification, driving a 42% uplift in conversion. - Leveraged CKYC and DigiLocker integrations to reduce funnel drop-offs significantly during external downtime events

Growth Product Manager at Moneyview, Jun 2022 - Feb 2023 · 9 mos, Bengaluru, Karnataka, India · Hybrid, Role - Product Manager + Relationship Manager Business Area - PAN, Selfie, Bank Acc Verification; KYC, Auto Debit Setup - Designed and operationalized a granular metrics framework and real-time dashboards from scratch, enabling deep-dive funnel analysis and data-driven decision-making. - Partnered with Risk and Compliance teams to implement fraud mitigation protocols, including instant DOB matching. - Resolved critical user pain points in Aadhaar-Mobile linkage and OTP flows to reduce funnel drop-offs. - Served as the business representative for Technical Service Provider (TSP) agreements to ensure favorable commercial terms.

Product Manager at CAMSPay, Dec 2020 - Jun 2021 · 7 mos, Chennai, Tamil Nadu, India, Role - Product Manager + Project Management + Relationship Management - Worked on 0 to 1 and 1 to 10 products. - Worked in a highly dynamic environment with priorities changing every week. - Wrote multiple PRDs defining exhaustive product and business requirements. - Managed backlog, sprint planning, sprint grooming, and production release plans. - Managed relationships with multiple customers and catered to the queries raised by them. - Understood the requirements of the industry and modified the product accordingly. - UPI Innovation: Pioneered industry-first solutions for UPI-AutoPay, unlocking efficient alternatives for auto-debits. - Churn Reduction: Devised an intelligent solution for insurance companies that integrated auto-debit functionality directly into payment flows, significantly reducing customer churn at the authorization step. - Customer Experience: Diagnosed granular failure patterns to prioritize enhancements that reduced service failure rates.

Product Manager (Software Engineer), Payments at NortonLifeLock, Jul 2018 - Dec 2020 · 2 yrs 6 mos, Team - Global Payments Role - Product Manager + Lead Software Developer - A/B Testing: Conceptualized and developed an A/B testing framework to test different possible variants and combinations of flow. - Global Architecture: Architected an intelligent transaction routing system that dynamically selected processors based on currency, geography, and real-time success rates, achieving record-high authorization rates. - Post-Merger Integration: Spearheaded the high-complexity integration of LifeLock’s payments system with Norton’s following the merger of the entities. Aligned technical roadmaps and navigated distinct engineering cultures to unify platforms and optimize transaction costs. - Fraud Mitigation: Developed algorithms to selectively streamline fraud checks based on purchase profiles, improving API response times and reducing vendor costs without compromising security. - Wrote PRDs for tech improvement projects understanding current challenges by working with other PMs - Drove multiple projects using agile - ideation, design, development, testing, launch, and maintenance. - Managed and mentored dev team members on best coding practices. - Standardized tech design thinking, code review, and devops processes to deliver a high-quality code. - Drafted multiple tech design documents, basis the business / tech requirements. - Focused on designing future-proof, well throught through, reliable, and easily maintainable systems. - Continuously discovered, evaluated, and implemented new technologies to maximize development efficiency. - Ensured high-quality documentation at all times for future reference.

Associate Software Engineer, Payments at NortonLifeLock, Jan 2017 - Jun 2018 · 1 yr 6 mos, Team - Global Payments Role - Associate Product Manager + Software Developer - Designed, developed, and tested features delivered within applications and services. - Integrated multiple payment processors to support currency exchange rate based payments across the globe. - Worked in agile methodology and collaborated across multiple teams to define, design, and ship new features. - Unit-tested the code for robustness, including edge cases, usability, and general reliability. - Built log-based alert mechanisms to identify production issues, and fixed multiple such issues.

Programmer Analyst at Cognizant, Jun 2015 - Jan 2017 · 1 yr 8 mos, Chennai, Tamil Nadu, India, Vertical - BFS (Banking & Financial Services) Role - Full Stack Developer Tech Used - Java, Spring MVC, Angular JS, Bootstrap, JavaScript, JQuery, HTML, CSS - Wrote code to migrate critical business applications to new frameworks and technologies. - Automated the revamp of legacy applications to drastically reduce manual intervention. - Built DevOps pipelines to automate software deployment, saving significant developer hours annually. - Self learnt and finished setting up a spring-boot application from scratch in 2 days. - Received client appreciation for outstanding deliverables.

Education

Master of Business Administration - MBA, Major - Strategy and Marketing, Indian School of Business

Bachelor of Technology - BTech, Computer Software Engineering, SRM IST Chennai