Manjeet Anand on Tal
Headline: Product Manager - Retail Assets at Utkarsh Small Finance Bank | Fintech & Banking Expert | Driving Growth with Data-Driven Strategies & Strategic Partnerships | Lending Innovation
About: Dynamic and result-oriented Product Manager with 10+ years of diverse experience spanning Product Strategy, Business Intelligence, Strategic Alliances, and Data Analytics across the Banking, Fintech, and Financial Services landscape. I specialize in designing and scaling customer-centric retail lending products, optimizing business processes, and driving digital transformation through deep data insights and cross-functional collaboration. Currently steering the Retail Asset vertical at Utkarsh Small Finance Bank, I lead end-to-end product lifecycle management—from BRD creation, UAT, and regulatory reporting to yield tracking and productivity analytics. I’ve led initiatives in process automation, employee productivity analysis, IRR calculations, and regulatory compliance, ensuring high-impact outcomes across asset operations. Previously at Techfino Capital, I spearheaded strategic partnerships, co-lending alliances (with Axis Bank, ABFL, Avanse), and digital integrations, delivering a 25% revenue boost and 15% customer base expansion. My fintech journey has also involved designing customer lifecycle strategies, streamlining UPI integrations, and enhancing partner management to unlock scalable growth. What sets me apart is a unique blend of analytical acumen, product intuition, and business foresight. From designing DSA payout models and sales strategies to leveraging credit bureau data for cross-sell optimization, I bring a 360° perspective to product innovation and execution. I’ve worked closely with stakeholders across Sales, Credit, Risk, Ops, IT, and Analytics to ensure alignment, agility, and value delivery. I thrive in high-impact, high-growth environments, blending strategic vision with executional excellence. Armed with a Data Analytics certification from IIM Rohtak, an MBA in Business Strategy, and a background in engineering, I bridge the gap between technology, product, and business outcomes. Let’s connect if you're interested in creating scalable lending solutions, forging impactful alliances, or building data-driven growth strategies in BFSI or fintech.
Location: Bengaluru
AI stack:
- claude
- lovable
- Canva Magic Studio
- ChatGPT
- Microsoft Copilot
Work experience:
- Product Manager at Utkarsh Small Finance Bank, Dec 2023 - Present · 2 yrs 10 mos, Varanasi, Uttar Pradesh, India, As a Product Manager at Utkarsh Small Finance Bank, I drive the development and execution of product strategies within the Retail Asset division. Focused on leveraging data-driven insights to enhance product offerings and improve customer satisfaction, while ensuring compliance with regulatory requirements. - Leading the end-to-end product lifecycle for retail assets, including BRD creation, impact analysis, screen flow design (Visio), and strategic pricing to enhance profitability and market positioning. - Spearheading data-driven initiatives like IRR and productivity analysis across product, branch, and zone levels to drive financial visibility and performance optimization. - Driving cross-functional collaboration across Sales, Credit, Ops, IT, and Analytics teams to automate workflows, improve operational efficiency, and streamline loan processes. - Acting as CARO for the Asset department, managing regulatory reporting for RBI and government agencies while overseeing business UAT to ensure seamless system deployments without regression. - Enhancing lead generation through CRIF/CIBIL analytics and building strong asset-liability pipelines; also developed DSA payout tools and supported policy design to elevate borrower experience.
- Chief Manager | Lending | BNPL | Product| at Techfino Capital Private Limited, May 2022 - Dec 2023 · 1 yr 8 mos, Bengaluru, Karnataka, India, -Drive end to end strategic alliance. - Built an ecosystem with approval time for <10 min for loan upto 100k. - Developed comprehensive CLM framework with collection efficieny of 98%. - Expanded lending capacity through co lending.
- Product Manager at Techfino Capitals Pvt Ltd, Jan 2021 - Oct 2023 · 2 yrs 10 mos, Led end-to-end strategic alliances including prospecting, due diligence, commercial negotiations, onboarding, integration, and ongoing relationship management. Built high-impact ecosystem partnerships that drove 25% revenue growth and 15% customer expansion through analytics-driven insights across lending and payments. Spearheaded UPI flow integrations for major merchants, improving payment success rates and embedding the NBFC in daily commerce. Developed a comprehensive CLM framework incorporating behavioral nudges and analytics-based repayment tracking to strengthen delinquency control and portfolio quality with 98% of collection efficiency. Expanded lending capacity through marquee co-lending partnerships (Axis Bank, Avanse, ABFL) while ensuring yield protection, risk-sharing rigor, regulatory compliance, and seamless cross-functional coordination. Drove AI-powered scalability and transparency by translating partner and market needs into product enhancements, building real-time alliance dashboards, enforcing governance, and positioning Techfino as a fintech ecosystem innovator.
- Senior Manager - Account|Strategy| Sales| BNPL at Techfino Capital Private Limited, Jan 2021 - May 2022 · 1 yr 5 mos, Bangalore Urban, Karnataka, India, - Managing corporate strategy initiatives and participating in communicating the strategy to clients - increased disbursement by 40% MOM, by onboarding and nurturing new clients. - Collaborated with internal and external stakeholders to facilitate information exchange and risk assessment. - Facilitated streamlined processes within the team, optimizing operational efficiency.
- Associate Vice President Product & Growth at Multibhashi, Jun 2020 - Jan 2021 · 8 mos, Bengaluru, Karnataka, India, - Drove business and scaled it to 45% higher sales. - Enhanced UI/UX experience of customers helping in better retention rate. - Started new vertical Multi talented and expanded the online business in USA and Europe.
Education:
- Postgraduate Degree, Business, Management, Marketing, and Related Support Services, Faculty of Management Studies - MRIU
- Bachelor of Technology (B.Tech.), Chemical Engineering, Sathyabama University
Tal is a social hiring app where bosses and talent meet directly.