Headline

Loan Management System (LMS) Product Manager | Lending Infrastructure & Co-Lending | Loan Lifecycle, Repayment Schedules, NACH Reconciliation | ₹1,800 Cr+ AUM

About

I'm a Loan Management System (LMS) Product Manager who owns the core infrastructure lenders run their disbursement, repayment, and collections lifecycle on — not just the requirements layer, but the business rules, data models, and production reliability underneath it. At Wortgage Finance (WeRize), I own the LMS end-to-end for a platform managing ₹1,800 Cr+ in live AUM. I define the calculation logic — interest/principal allocation, charges, penalties, overdue interest — design the data models engineering builds against, and stay in production to debug real loan-data issues using SQL when something breaks. What I focus on as a Lending Product Manager: → Co-lending infrastructure — architected LMS-side workflows for partner disbursement sharing, repayment sharing, and reconciliation across multiple co-lending partners; own the post-disbursement partner relationship end-to-end, including partner escalations. → Loan Against Property (LAP) — designed and built this module from scratch, including a multi-tranche repayment schedule (RPS) framework. → Payments & NACH reconciliation — implemented Razorpay/NACH integration inside the LMS (+6.5% NACH presentation collection) and built the reconciliation layer between the gateway and the LMS, closing co-lender repayment gaps. → Data governance — own all core LMS tables, with 10+ validation checks and audit queries to keep loan and charge-creation data reliable at scale. Before this, at IndiaP2P I took a borrower app from 0→1 (60% adoption among existing borrowers) and turned internal lending tools into a modular, multi-tenant SaaS platform — the same platform-thinking I now apply to LMS architecture. I sit at the intersection of product, deep lending-domain knowledge, and enough technical fluency (SQL, PostgreSQL, API design, data modelling) to make real build decisions — not just pass requirements downstream.

Location

Bengaluru

AI stack

claude

Work experience

Associate Product Manager at WeRize, Sep 2025 - Present · 1 yr 2 mos, Bangalore Urban, Karnataka, India, LMS Core Ownership Own the Loan Management System (LMS) as the primary product surface for co-lending, disbursement, and repayment workflows — driving system design, business rules, and data model decisions on a platform managing ₹1,800 Cr+ live AUM. Independently define the full loan lifecycle: creation → sanction → disbursement → repayment schedule → EMI → collections → reconciliation → DPD → NPA → foreclosure/closure, including interest/principal allocation, charges, penalties, and overdue interest. Own all core LMS tables; introduced 10+ validation checks and audit queries for charge-creation logic in LMS and RPS. Investigate production issues via SQL, identify incorrect loan/repayment data, and fix it through controlled scripts with engineering, operations, and FinOps. Co-Lending Infrastructure Architected external lender integration workflows inside the LMS — disbursement sharing, repayment sharing, and reconciliation — across multiple co-lending partners with partner-specific agreements. Own the full post-disbursement co-lending workflow end-to-end and handle partner escalations directly. Loan Against Property (Built from Scratch) Designed and built the LAP module end-to-end, including multi-tranche disbursement and a structured Repayment Schedule (RPS) framework for flexible repayment handling. Payments & Reconciliation Implemented Razorpay integration for NACH registration inside the LMS, replacing a fragmented external process — improved NACH presentation collection by 6.5%. Built the reconciliation layer between Razorpay and the LMS, streamlining FinOps and closing co-lender repayment gaps. Primary POC with the payment gateway for collections; built a maker-checker portal for settlement links — improved NPA loan collection by 2.25%. Roadmap & Decision-Making Own the LMS roadmap: gather requirements from business, operations, FinOps, and co-lending partners; prioritize by impact; present decisions to leadership.

Associate Product Manager at IndiaP2P, Apr 2024 - Sep 2025 · 1 yr 6 mos, Bangalore Urban, Karnataka, India, Borrower App (0→1 Launch) Spearheaded end-to-end development of IndiaP2P's first borrower app, MVP to Phase 2 — onboarding through repayments — reaching 60% adoption among existing borrowers. Owned the MVP-to-Phase 2 roadmap, coordinating design, engineering, and compliance. Ran borrower feedback loops to identify friction points and shape Phase 2 priorities. Platform & SaaS Productisation Turned internal tools (Collections, LMS) into modular, monetizable SaaS microservices; redesigned the core LMS into a multi-tenant platform managing loan creation, repayment schedules, and delinquency for internal teams and external partners. Designed the multi-tenancy and data isolation model enabling independent partner onboarding. Standardized APIs across microservices, reducing partner integration effort.

Education

Master's degree, Psychology, bangalore university

Bachelor of Arts - BA, Psychology, surana college