Headline

Product | Digital Lending · Personal Loans · Microfinance | P&L Ownership | LOS · LMS · Agile . AI Integration | 6+ Yrs in Banking

About

I create, scale and optimize banking product portfolios that matter. To accomplish this, I focus on delivering key outcomes, building amazing teams and quickly adapting to new learnings. My KRA includes onboarding of Fintech partners, writing user stories, LOS/LMS integration, preparing process note, driving business from month-on-month basis & conducting market research using generative AI & data analysis. I was mostly involved into Portfolio Management, Building Loan Journey, Business Development & cross-selling of financial products Professional Skills Product Management | User Experience (UX) Design | Product Analytics | Team Development | Market and Pricing Analysis | Strategic Planning | Product Development | Product Roadmap | Portfolio Strategy | Business Development | SaaS | Agile Development | Marketplace Platforms | Generative AI | Context Engineering

Location

Bengaluru

AI stack

claude

gemini

grok

kimi

Work experience

AVP-Product (Unsecured Loans) at Ujjivan Small Finance Bank, Nov 2024 - Present · 1 yr 11 mos, Bengaluru, Karnataka, India, Personal Loans | Unsecured Loans | MSME | MFI | Small Business Loans

Senior Manager-Product (Personal Loans) at Kotak Mahindra Bank, Aug 2023 - Nov 2024 · 1 yr 4 mos, Mumbai, Maharashtra, India, • Launched Pre-Qualified Digital Loan Journey- Consistently achieved 400+ Cr MoM disbursements while maintaining portfolio quality • ROA Improvement (0.98% → 1.30%): Improved Return on Assets by 32 bps through operations process re-engineering, and Optimized funnel management — demonstrating strong P&L ownership • End-to-End Digital Journey Ownership: Owned complete digital product journey for pre-qualified (PQ) and tele-caller segments — from PRD writing to production sign-off and post-launch monitoring • Data-Driven ETB Personalization: Streamlined Existing-To-Bank (ETB) customer targeting using data analytics to generate personalized loan offers, improving conversion rates by 15% • Salesforce CRM & Campaign Management: Launched customer campaigns via Salesforce (SFDC), enhancing dialer logic and improving customer connect rates from 40% to 60% across VRM channel

Senior Manager- Product (Enterprise Loans) at IDFC FIRST Bank, Apr 2022 - Aug 2023 · 1 yr 5 mos, On-site

Project Manager – Fruit Circular Economy Operations at The Coca-Cola Company, Aug 2020 - Oct 2020 · 3 mos, Uttar Pradesh, India, Unnati Project- Litchi and Orange product Unnati projects under which we work closely with smallholder farmers to improve their yield, quality, and profitability. investment of USD 1.7 bn in the Indian agriculture system Daily Operations and Coordination Activity System and Process Designing Monitoring

Business Development Executive at 3C CAPITALS, Jul 2020 - Oct 2020 · 4 mos, Noida, Uttar Pradesh, India, Financial Research Analyst Vision to make every person financially literate! We have trained more than 500+ students that includes working professionals, doctors, entrepreneurs, housewives, college students, etc., and still counting. We cover all the topics - Fundamental Analysis, Technical Analysis, How to choose the right share, future-option, commodity, currency, forex market, mutual funds, etc. with live training sessions.

Product Manager- Enterprise Loans at IDFC FIRST Bank, May 2020 - Mar 2022 · 1 yr 11 mos, Hybrid, Product Manager - Business Loans

Education

Master of Business Administration - MBA, Rural Marketing, Institute of Rural Management Anand (IRMA)

Post graduate diploma business economics, Business/Managerial Economics, Banaras Hindu University