Headline

Product Leader | Driving Platform Strategy in Fintech/Payments | AI-Powered Products | Roadmap, GTM & Stakeholder Alignment

About

Product leader with 9+ years building and scaling fintech and payments platforms — spanning core payment infrastructure, risk decisioning, and AI-powered operations — across high-growth and enterprise environments (Avalara, PayU, Airtel Payments Bank). I own product strategy end-to-end: from 0-to-1 builds to multi-team platform overhauls, partnering with engineering, design, compliance, and executive stakeholders to ship products that move real revenue and reduce real risk. Recent impact at Avalara: - Shifted payment source-of-truth architecture to unlock $220M/month in transaction volume - Deployed an ML-based anomaly detection cascade, cutting false positives 40% - Built a natural-language query chatbot, eliminating ad-hoc engineering support for ops teams - Automated prepayment workflows managing $20M/month, unlocking ~$40K/month in new revenue - Led SOX-compliant platform redesign, removing PII exposure and automating jurisdiction approvals Earlier in my career, I built chargeback-liability and risk-decisioning systems for international card transactions at PayU, and designed B2B/SME financial products — including payroll, sweep-out banking, and SME lending — at Airtel Payments Bank, drawing on a banking and credit-risk foundation from my PGDM (Banking & Financial Services, NIBM) and prior credit-risk work at HDFC Bank. Core strengths: product strategy & vision · 0-to-1 product development · AI/ML-powered products · payments & risk infrastructure · cross-functional & executive stakeholder alignment · data-driven decisioning (SQL). I'm energized by problems at the intersection of fintech, risk, and AI — and by mentoring product managers navigating the same path. Open to Principal, Group, or Lead Product Manager roles in fintech, payments, or AI-driven platforms.

Location

Pune/Pimpri-Chinchwad Area

AI stack

claude

lovable

n8n

v0

Work experience

Senior Product Manager at Avalara, Feb 2024 - Present · 2 yrs 7 mos, Pune District, Maharashtra, India, AI Projects Anomaly Detection: Deployed an ML cascade to detect unusual funding patterns and prevent overfunding, reducing false positives by 40%. NLQ Chatbot: Launched a natural language interface for operations, delivering instant SQL results and eliminating ad-hoc engineering queries. Platform Projects RCMS & Compliance: Replaced manual spreadsheet reconciliation with a SOX-compliant UI (v0.app prototyped) and automated jurisdiction approvals. Security & Lifecycle: Removed SSNs to significantly reduce PII exposure and resolved blind bank deactivations to protect active accounts. Revenue & Efficiency Projects MyLodge Integration: Shifted the payment source-of-truth to TMS, unlocking $220M/month in volume while enabling seamless returns and payment API flows. Bulk Automation: Consolidated bulk payment UI, Late Lock automation, and BU migrations, saving significant manual effort per cycle. Early Funding & Prepayments: Automated approval workflows and enhanced UI transparency to seamlessly manage $20M/month in early prepayments, unlocking an estimated $40K/month in new PRS revenue.

Product Manager at PayU, Apr 2022 - Jan 2024 · 1 yr 10 mos, Pune District, Maharashtra, India, Integrating Net Banking(NB) and Wallets(PPIs) with PayU alongside building superior single click payment experiences for Net Banking and Wallets. Enabling native experiences on e-wallets as a checkout experience using tokens for user identification and skipping authorization on repeat journeys across non-seamless experiences. ( SRT improved by +4%) Single click checkout experience on NB using tokenisation ( SRT improved by +2%) SRT improvement activities with issuers identifying user drops across different journeys and accordingly improvising flows to reduce failures and drops (Drop rates reduced by 5%) Enabling larger universe of transaction volume using chargeback liability system in case of card not enrolled and ECI6 or ECI7 statuses

Senior Product Manager at RateGain, Jan 2022 - Mar 2022 · 2 mo, Noida, Uttar Pradesh, India, A short stint in travel tech. Worked on first of a kind indigenous solutions viz. Fleet, Demand and Pricing modules in Car Rental Business for World Markets.

Product Manager- Salary, Business Banking Portal & SMB at Airtel Payments Bank, Apr 2019 - Dec 2021 · 2 y 8 mo, Gurugram, Haryana, India, Developing financial product as per the market requirement of B2B and SME customers, doing market study and draft business requirement document. Working on Agile Framework for product development. Projects: -Implemented excess balance sweep-out functionality for savings bank customers. -Delivered Dedicated Customer Support for Industries & Institutions Vertical. -Suraksha Salary Accounts for MSME. https://lnkd.in/diPuzcW -Feature enhancement of Business Banking Portal -Building Current Account for Merchants -Enabling excess balance sweep out functionality for Current Account -Payroll and Employee Management solution for SME -UCIC for Corporate Customers -Revamping webpage for Salary Solutions and building analytics on it. -Working on lead generation and digital marketing campaign of SME business and Suraksha Salary Accounts -Payday loan solutions for blue-collar employees -Expense Management Solutions for corporates to keep a track of daily expenses and extending benefits to their employees through meal, fuel, gift coupons

Intern - Wholesale Credit Risk at HDFC Bank, May 2018 - Jul 2018 · 3 mos, Mumbai, Maharashtra, India, -Making a comparative study of banks across globe those have complied with IFRS 9 ECL computing standards. -Understanding the best practices of disclosures and analyse the effects of IFRS 9 implementation in their books. -Computation of ECL according IFRS 9 standards and analyse the impact on provisioning and regulatory capital.

Assistant System Engineer at Tata Consultancy Services, Oct 2015 - Jul 2017 · 1 y 9 mo, Pune

Education

PGDM (MBA Equivalent), Banking and Financial Services, National Institute of Bank Management (NIBM)

Bachelor of Technology, Electrical Engineering, Shri Guru Gobind Singhji Institute of Engineering and Technology, Vishnupuri, Nanded