About
I build lending products for banks, NBFCs, and fintechs where scale, control, and compliance matter. Over the last decade, I have worked across banking, fintech, and B2B SaaS, with deep experience in digital lending, platform products, and complex credit operations. My focus is building systems that help institutions launch faster, operate with tighter controls, and grow without creating downstream operational drag. My core strength is in lending infrastructure: LOS/LMS, co-lending, repayment and servicing workflows, reconciliation, collections, settlement automation, and loan-against-securities products. I work at the intersection of product strategy, systems design, partner integrations, and execution. Increasingly, I apply AI-native product thinking to this work: using automation, decision systems, workflow intelligence, and structured product-development methods to reduce manual effort, improve speed, and make high-complexity products easier to build and operate. I have led products that delivered 40% faster time-to-market across a core lending suite used by 15+ institutions, launched a co-lending module deployed across 5 enterprise accounts with $50M+ in processed loan volume, scaled a loan-against-securities product supporting a $200M+ portfolio, reduced operational overhead by 60% through workflow automation, drove 4x YoY growth in loan disbursals, enabled ₹1500Cr+ in monthly disbursal capital through partner integrations, and built underwriting and billing systems that improved approvals, reduced errors, and created revenue leverage.
Work experience
Director of Product at M2P Fintech, Nov 2024 - Present · 1 yr 10 mos, Bengaluru
Senior Director of Product (General Manager) at Paytm, Nov 2022 - Nov 2024 · 2 yrs 1 mo, Bengaluru, Karnataka, India, Leading LMS Platform for Paytm Postpaid (BNPL), Personal and Merchant Loans
Lead Product Manager at Finvolv, Jan 2022 - Nov 2022 · 11 mos, Bengaluru, Karnataka, India
Senior Manager, Product Solutions & Consulting at Finvolv, Jan 2021 - Dec 2021 · 1 yr, Bengaluru, Karnataka, India
Functional Consultant at Finvolv, Nov 2019 - Dec 2020 · 1 yr 2 mos, Bengaluru, Karnataka, India
Business Manager at Adi Partners, Apr 2018 - Nov 2019 · 1 yr 8 mos, Bengaluru Area, India, Strategy and Business Planning Program Management Sales & Business Development Research and Analytics
Deputy Manager & Relationship Manager(Small Enterprises) at State Bank of India, Jun 2015 - Feb 2017 · 1 yr 9 mos, Kalyani Industrial Growth Centre
Assistant Manager & Credit Officer at State Bank of India, Jun 2013 - Jun 2015 · 2 yrs 1 mo, SME Center , Bidhannagar
Probationary Officer at State Bank of India, Jun 2011 - May 2013 · 2 yrs, Odisha
Systems Engineer at Infosys, Dec 2009 - Apr 2011 · 1 y 4 mo, Chennai
