---
title: "Kunal Ahirwar - Head of Product Management in Bengaluru | Tal"
description: "Meet Kunal Ahirwar, Head of Product | Open Banking, Lending & Financial Data Infrastructure | DPI, Open Finance & AI based in Bengaluru. AI stack includes claude code, elevenlabs, and gemini."
image: "https://tal.club/meet/kunal-ahirwar/share-image"
---

# Kunal Ahirwar on Tal

## Headline

Head of Product \| Open Banking, Lending & Financial Data Infrastructure \| DPI, Open Finance & AI

## About

I build financial\-data products and infrastructure for regulated financial ecosystems\. Over the last 7\+ years, I have worked across Open Banking, Digital Public Infrastructure, lending, alternative data, risk systems, embedded finance, collections intelligence, and AI\-enabled financial products\. A large part of my work has focused on solving information asymmetry problems in financial services: making hidden data visible, measurable, and useful for better decision\-making\. At Finarkein, I currently lead product across lending, embedded finance, data products, and AI\-led initiatives\. Most of my work is around helping financial institutions use consented financial data better across lending, monitoring, collections, and customer journeys\. Before Finarkein, I was part of Sahamati, where I worked at the heart of India’s Account Aggregator ecosystem — one of the key financial\-data layers of India’s DPI journey\. I contributed to ecosystem infrastructure, observability, performance monitoring, implementation support, and policy frameworks that helped make consent\-based financial\-data sharing more reliable and usable\. One of my most meaningful contributions was building an ecosystem\-wide performance observability framework\. It introduced a common reporting protocol and performance intelligence layer that helped participants identify bottlenecks, benchmark performance, and create a more transparent operating model for the ecosystem\. Earlier at Signzy, I worked on financial\-data, lending, and risk products, including GST analytics and merchant\-risk classification\. I’m especially interested in the next layer of Open Finance: products that move beyond data access and use consented financial data to create better lending, monitoring, collections, risk, and embedded finance experiences\.

## Location

Bengaluru

## AI stack

claude code

elevenlabs

gemini

lovable

## Work experience

Head of Product Management at Finarkein Analytics, Sep 2024 \- Present · 2 yrs, Greater Bengaluru Area, Leading product at Finarkein across lending, embedded finance, data products and AI\-led initiatives\. I spend most of my time building products that help financial institutions use consented financial data better across lending, monitoring, collections and customer journeys\.

Product Lead at Sahamati \- driving Open Banking with Account Aggregator, Mar 2023 \- Aug 2024 · 1 yr 6 mos, Bengaluru, Karnataka, India, Worked on product and ecosystem initiatives for India’s Account Aggregator ecosystem — one of the key financial data layers in India’s DPI journey\. A large part of my work was around making the ecosystem more reliable, measurable and usable for banks, NBFCs, fintechs and Account Aggregators\. Built an ecosystem\-wide performance monitoring and observability layer that helped participants identify bottlenecks, benchmark performance and improve data\-sharing success rates\. Also worked on implementation support, ecosystem reporting, specification upgrades, participant enablement and policy frameworks around consent, customer experience and data\-sharing use cases\.

Product Strategy at Signzy, May 2022 \- Mar 2023 · 11 mos, Bengaluru, Karnataka, India, Worked on lending, alternative data and risk products, including GST analytics and merchant\-risk classification for banks, credit bureaus and financial institutions\.

Founder and CEO at Earnvestt Technologies, Dec 2019 \- Apr 2022 · 2 yrs 5 mos, Greater Bengaluru Area

Head of Strategy at Ghost Vision Pvt\. Ltd\., Oct 2018 \- Dec 2019 · 1 yr 3 mos, Chennai, Tamil Nadu, India

## Education

Dual Degree Programme, Engineering Design — Automotive Engineering Specialization, Engineering Design, Indian Institute of Technology, Madras

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

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