---
title: "Kaushal Agarwal - Group Product Manager in Bengaluru | Tal"
description: "Meet Kaushal Agarwal, Product | Fintech Banking Lending | Leasing, Co-Lending, DA | IDFC First Bank | Credit Saison | Odessa Inc | Siemens | NMIMS based in Bengaluru. AI stack includes claude, n8n, and perplexity."
image: "https://tal.club/meet/kaushal-rajesh-agarwal/share-image"
---

# Kaushal Agarwal on Tal

## Headline

Product \| Fintech Banking Lending \| Leasing, Co\-Lending, DA \| IDFC First Bank \| Credit Saison \| Odessa Inc \| Siemens \| NMIMS

## About

I'm a Kolkata Marwari from Surat with a knack for numbers, and all my experience in lending credit technology domain, I am a fintech product leader who envisages, creates, and launches innovative lending solutions that meet user demands, and drive business growth\. I am a certified PMI Agile Certified Practitioner \(PMI\-ACP\) and a user empath who values customer satisfaction and loyalty\. As a Senior Product & Programs Manager at evfin, a fintech startup that offers smart and convenient financing solutions, I manage the end\-to\-end product lifecycle, from ideation to deployment, leveraging my expertise in enterprise software solutions and my attention to detail\. I also collaborate with cross\-functional teams, partners, and stakeholders to ensure alignment and quality\. Some of my recent achievements include designing and launching a new product journey for Pre\-owned Two\-wheeler loans, reducing average loan approval TAT by 75% and increasing sourcing by 37%, and leading API integrations and launching LOS Salesforce\.com with multiple OEMs and partner platforms, to sanction leads online and increase conversions\.

## Location

Bengaluru

## AI stack

claude

n8n

perplexity

Bolt\.new

## Work experience

Group Product Manager at SwiffyLabs, Oct 2025 \- Present · 11 mos, Bengaluru

Product Mentor at Airtribe, Jan 2026 \- Jul 2026 · 6 mo, Bengaluru

Senior Product Manager at Credit Saison India, Apr 2024 \- Oct 2025 · 1 yr 7 mos, Bengaluru, \-Led end\-to\-end core lending platform feature development for Co\-Lending Models \(CLM1/CLM2\) and Direct Assignment \(DA\) loans, enhancing loan servicing accuracy and efficiency for multiple originator/lender partnerships\. \-Spearheaded the MVP journey for DA solution, migrated \~35,000 DA loans with AUM INR \~850 Cr within 6 months, sourced by multiple fintechs & NBFCs, directly increasing business revenue for the organization\. \-Drove the end\-to\-end LOS journey and robust LMS modules for gold loans with a strategic MFI in the lending industry, with a roadmap plan to enable it for co\-lending transactions\. \-Developed and implemented robust LMS modules for CLM 1 & 2 and DA structures, including projected cash flow calculations, customer repayments & lender receipts processing, and a flexible charges module, accommodating diverse co\-lending partnership requirements\. \-Designed and implemented configurable logic for various lending products & partnerships within CLM 1 & 2 and DA frameworks, ensuring accurate share calculations for co\-lending partners across diverse loan portfolios\.

Senior Product & Programs Manager at evfin, Feb 2023 \- Mar 2024 · 1 yr 2 mos, Bengaluru, Karnataka, India, \-As a Product Manager, defined functional requirements for retail lending systems \- LOS, BRE, LMS, and Collections, and successfully launched MVP journey within 30 days, with speed & agility in execution\. \-Identified and evaluated vendors for 3rd party services in the digital lending journey, enhancing the efficiency of lending processes and strengthening partnerships\. \-Designed and launched a marketplace DIY journey for consumers to compare, book test rides, buy electric vehicles, apply for lease\-like loans with buyback programs, etc\. \-As a Business Program manager, led go\-to\-market strategies, establishing partnerships with EV brands such as Ather, Ola, TVS, Hero, etc\. with projections to build 100 Cr AUM with impactful \(green energy\) collaborations\. \-Retail pricing and Business P&L owner responsible for ensuring the market presence is competitive and also aligned as per business revenue projections\.

Product Business Analyst at Odessa, Sep 2021 \- Feb 2023 · 1 yr 6 mos, Bengaluru, Karnataka, India, \-Designed and delivered robust and modular accounting solutions for Dell Financial Services’ business units across varied geographies such as Singapore, EMEA, and NA on the Odessa platform\. \-Developed detailed functional specification PRDs for servicing modules such as Contract restructures, Charge\-Offs, etc\. \-Provided functional support to both onsite & offshore teams during module walkthroughs, UATs, and feature demos to the end business users\. \-Facilitated agile sprints for the squad as Scrum Master, driving team productivity and successful project delivery\.

Product Manager at IDFC FIRST Bank, Jun 2019 \- Sep 2021 · 2 y 3 mo, Mumbai

## Education

MBA \- Master of Business Administration, Marketing, SVKM's Narsee Monjee Institute of Management Studies \(NMIMS\)

Bachelor of Technology \- BTech, Information Technology, SVKM's Narsee Monjee Institute of Management Studies \(NMIMS\)

[View the original profile](https://tal.club/meet/kaushal-rajesh-agarwal)

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