---
title: "Joydeep Sarkar - Director of Product in Bengaluru | Tal"
description: "Meet Joydeep Sarkar, Director of Product Management | Digital Lending, LOS/LMS, AI-Enabled Platforms | Building API-first lending systems based in Bengaluru. AI stack includes antigravity, claude code, and claude. Explore public work links including github."
image: "https://tal.club/meet/joydeep-sarkar/share-image"
---

# Joydeep Sarkar on Tal

## Headline

Director of Product Management \| Digital Lending, LOS/LMS, AI\-Enabled Platforms \| Building API\-first lending systems

## 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\.

## Location

Bengaluru

## AI stack

antigravity

claude code

claude

codex

gemini

github copilot

## 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

## Education

Master of Business Administration \- MBA, Finance, Strategy, Indian Institute of Management Bangalore

Post Graduate Certificate in Product Management, Product Management, Northwestern University \- Kellogg School of Management

## Public links

- github: https://github\.com/joydeep\-pm

[View the original profile](https://tal.club/meet/joydeep-sarkar)

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