---
title: "Krishna Kulkarni - Senior Product Manager in Bengaluru | Tal"
description: "Meet Krishna Kulkarni, Lending Product leader based in Bengaluru. AI stack includes claude, codex, and lovable."
image: "https://tal.club/meet/krishna-kulkarni/share-image"
---

# Krishna Kulkarni on Tal

## Headline

Lending Product leader

## About

Product leader, specialising in Digital lending\. 14 years of overall experience\. Working remotely for Oportun \- a US\-based Digital lending company\.

## Location

Bengaluru

## AI stack

claude

codex

lovable

ChatGPT

## Work experience

Senior Product Manager at Oportun, 2025 \- Present · 1 yr 8 mos, Bengaluru, Karnataka, India, Owning the Lending Experience charter\. Oportun is a Digital Lending company \(publicly listed in the US with a market cap of $240M\), offering short\-term personal loans for lower\-income groups\. \- Adopted a 'Working Backwards' approach by conducting deep\-dive customer research to uncover unstated friction points in the loan application journey\. \- Leveraged vibe coding tools for rapid prototyping of UI enhancements, driving faster stakeholder alignment\. \- Defined vision and product requirements that transitioned manual touchpoints into a self\-serve automated flow\. \- Executed Plaid, Instant approval & OCR improvements, reducing drop\-offs due to document verification\.

Senior Product Manager \- PayU Credit at PayU, Jan 2021 \- Dec 2024 · 4 yrs, Bengaluru, Karnataka, India, Leading the Post\-disbursal platform \- LMS, Repayments & Collections \- at PayU Credit \(merger of PaySense & LazyPay\)\. PaySense is our Personal loans business and LazyPay is Buy Now Pay Later \(BNPL\)\. It's powered by our NBFC \- PayU Finance\. Built Rewards for LazyPay \(BNPL & LazyCard\)\. Rewards mainly refers to offers \(merchant offers & LazyPay offers\), scratch cards on every transaction and jackpot offers for reaching milestones\. Focused on platformisation of Rewards i\.e\. rule engine to create offers, experimentation frameworks, customer communications and guardrails for offers\.

Product Manager at ShopG, 2019 \- 2021 · 2 yrs, Bengaluru, Karnataka, India, Sole Product Manager at ShopG\. ShopG is an early\-stage social commerce startup building Group buying for Tier 2\-4 cities of India, fondly called 'Bharat'\. I am responsible for the entire product cycle of identifying the customer problems till the late\-night sprints\. I have interacted with 1000\+ of our community leaders and their customers in the last two years\. Building for Bharat has made me focus on Design Thinking, ease of use, simple communication, Localization, and keeping the app as light as possible\. Key Achievements: \- Improved Install \-> Purchase conversion from 2% to 7% in a period of a year\. \- Built a strong referral cycle with the help of rewards & gamification\. It's the core strength of social commerce\. Our every user refers 2\.5 users on an average\. Achieved this within 6 months of app launch\. \- Achieved 50% DAU, 70% MAU for 'Business' section designed for our Community leaders\. They're our local partners who get sales and fulfill orders\.

Product Manager at Elanic \(Acquired by ShareChat\), Jan 2017 \- Jan 2019 · 2 yrs 1 mo, Bengaluru, Karnataka, India, Launched the new supply vertical of SMB sellers in Elanic \- a fashion e\-com community with 2 Million\+ members\. Elanic was only into used goods before our team was formulated\. We assist home businesses and small stores to sell online\. Conducted 100\+ seller interviews, identified problems of sellers and translated them into features within the app\. Worked closely with Tech team\. Our team grew the SMB seller base from 500 to 60000\+ in 2 years, using Product led growth strategies

Co\-Founder at Mapicle, 2016 \- 2016 · Less than a year, Mumbai Metropolitan Region, Mapicle, incubated in SINE, IIT\-Bombay, was an NLP\-based startup working on Automatic Hierarchical summarization\. We built a News summary app called NewsOwl which gained 10000\+ users within 3 months\. I worked on the Product & BD side of Mapicle\. We discontinued the mission as we were unable to achieve more than 80% accuracy in summarization\.

## Education

Bachelor of Engineering \(B\.E\.\), Computer Science, SDMCET

Sri Aurobindo PU College, Shimoga

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

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