Headline

Digital Product & Growth | Fintech & Unsecured Lending | STP Originations · Funnel Optimization · Growth Strategy · Regulatory Compliance | IIMB’23 · IIEST CS

About

Most digital lending drop-offs aren't credit problems. They're product problems. That's been the core of my work at HSBC - finding exactly where customers fall out of digital journeys, understanding whether the cause is policy, UX, data, or compliance, and building the fix end-to-end. I own the full stack of a lending product: journey design, vendor governance, RBI audit, acquisition strategy, and cost discipline. Not as separate workstreams - as one connected view of how a product performs. Coming from software engineering means I can hold the technical, commercial, and regulatory threads simultaneously. Looking for product or transformation roles where the complexity is real.

Location

Mumbai

AI stack

antigravity

codex

Work experience

Digital Product & Growth Manager at HSBC, May 2023 - Present · 3 yrs 4 mos, Mumbai, End-to-end lending product ownership across credit decisioning, regulatory compliance, growth & digital delivery - Owned end-to-end digital personal loans funnel - from STP journey design to approval rate optimization - Diagnosed and resolved critical funnel drop-offs; lifted overall digital approval rates through credit policy, Open Banking, and UX fixes - Owned RBI annual audit for unsecured loans - zero critical findings; led regulator-facing meetings & compliance readiness - Led cost governance across all vendor lines - identified misallocations, drove renegotiations - Integrated Account Aggregator as FIU - eliminated bank statement dependency for digital applicants - Authored PRDs, BRDs, and UAT frameworks for 8+ cross-functional initiatives; improved feature delivery velocity across agile squads

Project Management Intern at Aster DM Healthcare, Aug 2022 - May 2023 · 10 mos, Bengaluru, Project Management & Staff-Training Strategist : Bain & Co. Collaboration | Indian & GCC Healthcare - Collaborated with Bain & Co. on Indian & GCC healthcare strategy trainings - Designed management curricula for 1.5K+ healthcare professionals from India & Middle-East

ABGIP Summer Intern at Aditya Birla Group, Apr 2022 - Jun 2022 · 3 mos, Mumbai, Market Research and competition benchmarking for Ready-mix concrete business. - Led market research across 15+ competitors; refreshed value proposition - Conducted 100+ user interviews across 5 geographies; mapped customer pain points; proposed solutions for $245B RMC category.

Senior Analyst at Capgemini, Sep 2020 - Jul 2021 · 11 mos, Mumbai, Full-stack development of in-house applications | Programming & Core DSA & Database fundaments | Proficiency in Python, JAVA, C#, .NET, SQL - Built full-stack employee onboarding system; - Designed QA program across 7 enterprise portals - Authored 30+ user stories; eliminated 200+ hours of manual effort

Education

Master of Business Administration - MBA, Product, Marketing & Strategy, Indian Institute of Management Bangalore

Bachelor's of Technology, Computer Science, Indian Institute of Engineering Science and Technology (IIEST), Shibpur