---
title: "Ketan Mulay - Senior Product Manager in Pune/Pimpri-Chinchwad Area | Tal"
description: "Meet Ketan Mulay, Product Leader | Driving Platform Strategy in Fintech/Payments | AI-Powered Products | Roadmap, GTM & Stakeholder Alignment based in Pune/Pimpri-Chinchwad Area. AI stack includes claude, lovable, and n8n."
image: "https://tal.club/meet/ketan-mulay/share-image"
---

# Ketan Mulay on Tal

## 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

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

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