Headline

Lead Product Manager | Fintech, Lending, API Platforms, Growth and Applied AI | Former Backend Engineer

About

Product leader with 8+ years in product management and software engineering. I build financial products, API platforms, growth products and AI-based tools. Across my roles, I have launched new products, worked on platforms connecting with 300+ partners, and built customer journeys for products serving 43 million users. My work has supported ₹1.64 billion in annual policy sales, added ₹30 million in monthly lending disbursals, increased acquisition by 150% and saved ₹4 million in monthly API costs. At ICICI Lombard, I built a reusable Bancassurance platform serving 10+ financial partners and lead a 15-member team. The platform reduced partner launch time from eight weeks to ten days and cut the estimated engineering effort by 67%. I also lead the roadmap for an AI-based reputation management platform. The platform is designed to monitor brand and leadership mentions across social media, measure sentiment, flag posts that are likely to go viral, rate the seriousness of each post, draft replies and automate the handling of routine cases. Before ICICI Lombard, I built lending, credit card, payments, spend management, credit analytics, rewards and acquisition products at Paisabazaar, INDmoney and Eko. My work included partner APIs, eligibility and risk systems, experiments, fraud controls, pricing, product launches and regulated customer journeys. I have also independently built and launched two iOS products. Genuinely uses multimodal AI to assess whether products are genuine and estimate their market value across 11 resale categories. Koby helps pet parents manage health records, reminders, care routines and AI-assisted guidance. I handled the product strategy, user experience, AI integrations, backend systems, privacy, pricing and production launch for both products. Earlier in my career, I worked as a backend engineer. I built an Elasticsearch system that processed more than 250GB of data each day and helped run services used by more than 5 million people daily. Core areas: product strategy, fintech, lending, payments, APIs, platform products, growth, enterprise tools, applied AI and new product development.

Location

Delhi

AI stack

claude code

claude

codex

cursor

kimi

lovable

Work experience

Lead Product Manager at ICICI Lombard, Jul 2024 - Present · 2 yrs 5 mos, • Leading a company-wide overhaul of commissions and payouts. Combined feedback from agents and internal teams with 27 months of data to redesign statements, payout visibility, communication, self-service and query handling. Proposed controlled pilots to help newly onboarded agents sell their first policy, encourage agents to add a second product and re-engage inactive agents before they churn. • Leading the roadmap for an AI-based reputation management platform that will monitor brand and leadership mentions across social media, use LLMs to measure sentiment and likely virality, classify the severity of posts, draft replies, automate routine responses, and route cases to the right internal teams. • Built a reusable Bancassurance platform supporting 10+ financial partners and ₹1.64 billion in annual policy sales. Reduced partner launch time from eight weeks to ten days by replacing custom development with reusable workflows. • Defined the requirements for real-time API-based data exchange across 300+ partners to replace SFTP file transfers and improve security, privacy and tracking. • Launched a real-time performance product that replaced a two-day manual reporting process and became the main tool used by business teams to monitor and prioritise performance. • Built the business case and won executive approval for the reusable Bancassurance platform. Reduced the estimated engineering effort by 67% by narrowing the first version to reusable modules and a limited set of configuration options. • Lead a 15-member team across product, engineering, design, QA, project management, compliance, information security, operations and business.

Senior Product Manager at Paisabazaar, Apr 2023 - Jun 2024 · 1 yr 3 mos, Gurugram, • Increased personal loan conversion from 7% to 18% by replacing a redirect journey with an API-based eligibility and application flow. This added more than ₹30 million in monthly disbursals. • Expanded pre-approved lending products across three product lines and 43 million users through partner APIs, eligibility mapping, backend integrations and funnel improvements. • Brought 4+ lending partners live by defining API contracts, data mapping, validation rules, error handling, fallback journeys and launch requirements. • Built an ONDC Credit MVP in three weeks to test the integration, partner readiness and customer journey. • Launched a Gold Loans MVP in six weeks. Recommended stopping further investment after tests showed that it was pulling users away from the better-converting personal loan journey.

Product Manager Growth Products at INDmoney, Apr 2021 - Mar 2023 · 2 yrs, Gurugram · Hybrid, • Owned the roadmap for credit cards, rewards and referrals, spend tracking, and credit-score products serving 10 million users. • Built a rewards and referral product that generated up to 70% of total acquisition and increased acquisition by 150% and activation by 40% in one quarter. • Found that 95% of earned rewards were never redeemed. Used product data and customer interviews to support the move from points to direct virtual-stock rewards. • Built a 1-to-5 risk score to identify fraudulent and duplicate accounts while keeping referral payouts financially sustainable. • Saved ₹4 million per month by changing credit-bureau data pulls from automatic refreshes to on-demand retrieval. • Improved the real-time credit data experience, reducing churn by 12% and increasing engagement by 45%. • Hired and mentored PMs and APMs, improving product discovery, product requirements and launch quality.

Associate Product Manager at INDmoney, Jan 2020 - Apr 2021 · 1 yr 4 mos, Gurugram · Hybrid, • Joined the growth products team and was promoted to Product Manager in April 2021.

Associate Product Manager at Eko India Financial Services Private Limited, Apr 2019 - Jan 2020 · 10 mos, Gurugram, • Doubled monthly AePS transaction value from ₹250 million to more than ₹500 million by integrating multiple payment providers and adding routing and failover rules. • Launched cash-payment APIs for unbanked users, brought five enterprise clients live and generated ₹50 million in annual GMV. • Doubled the number of enterprise partners using Eko’s API-based payment products.

Product Management Intern at Media.net, Apr 2018 - May 2018 · 2 mos, Mumbai, Maharashtra, India, • Developed and prototyped a push-notification advertising product for 10 million subscribers, shaped the initial roadmap and estimated ₹530 million in annual revenue potential.

Education

Master of Business Administration - MBA, Business Administration and Management, General, Indian Institute of Management Kashipur

Bachelor of Engineering - BE, Computer Science, Maharaja Surajmal Institute Of Technology

Public links

github: https://github.com/ksvagarwal