---
title: "Mohit Shelke - Assistant Vice President Product Management in Bengaluru | Tal"
description: "Meet Mohit Shelke, AVP Product @ UGRO Capital | FinTech & Digital Lending | Credit Line, Growth & Partner Integrations based in Bengaluru. AI stack includes claude, gemini, and ChatGPT."
image: "https://tal.club/meet/mohit-shelke/share-image"
---

# Mohit Shelke on Tal

## Headline

AVP Product @ UGRO Capital \| FinTech & Digital Lending \| Credit Line, Growth & Partner Integrations

## About

Product leader with 8 years of experience building lending products that sit at the intersection of business, risk, operations and technology\. I've spent my career solving one problem: How do we make lending faster, safer and scalable without compromising customer experience? Across UGRO Capital and Mswipe, I've led products spanning digital customer onboarding, credit lines, underwriting, rule engines, partner integrations, cross\-sell journeys and workflow automation\. My work has involved translating complex lending policies into scalable product capabilities—designing customer journeys, configuring decision engines, building API\-driven ecosystems and working closely with engineering, credit, operations, data science and business teams to deliver measurable outcomes\. A few things I've enjoyed building: • Digital lending journeys from on\-boarding to servicing • Embedded finance partnerhips & integrations • Cross\-sell and pre\-approved lending programs • Fraud controls and risk workflows • Data\-driven product optimization using funnel metrics and customer behaviour What excites me most isn't launching features, it's simplifying complex financial systems into products customers actually enjoy using while ensuring the underlying business continues to scale\. I'm always interested in conversations around Product Management, Fintech, Digital Lending, Credit Infrastructure, Embedded Finance and AI in Financial Services\. Open to Product roles, advisory engagements and consulting opportunities where I can help build products and solve business problems\.

## Location

Bengaluru

## AI stack

claude

gemini

ChatGPT

## Work experience

Assistant Vice President Product Management at U GRO Capital, Aug 2023 \- Present · 3 yrs 1 mo, On\-site, GroX Credit Line ● Led the end\-to\-end product roadmap for Gro X Credit Line, launching key projects such as Assisted Udyam Integration, Pre\-approved Journeys, and Renewal & Enhancement journeys\. ●Defined and documented product requirements, aligning cross\-functional teams to ensure seamless development and execution\. ●Translated business and operational needs into structured workflows, user stories, and actionable requirements for engineering and operational teams\. ●Collaborated closely with engineering teams on workflow orchestration, API integrations, rule configuration, and system enhancements across onboarding and lending journeys\. ●Designed non\-STP fraud review workflows enabling controlled escalation, audit visibility, and rule\-based decisioning across lending operations\. ●Defined RBAC structures, approval hierarchies, and system access controls across Sales, Credit, Operations, Product, and FCU teams\. ●Implemented rule\-engine based transaction monitoring and alert workflows to identify and control high\-risk transaction patterns for limit drawdown\. ●Led API\-driven partner integrations and onboarding workflows across sourcing platforms to improve scalability, operational efficiency, and customer acquisition, which contributed to >72% new customer acquisition\. ●Reduced fraud rejects by 85% through detailed root cause analysis \(RCA\) and implementing alternative validation mechanisms\. ●Implemented data\-driven UI enhancements, leading to improved usability, reduced friction, resulting in 14% increase in conversion rates ●Scaled customer acquisition by onboarding 5,000\+ customers in 3 quarters, improving limit activation rates from 45% to 89% Cross Sell Business ●Reduced TAT by 80% for Pre\-approved loans by optimizing acquisition, underwriting, and disbursement workflows ●Contributed 25% of new business via new referral partners\. Collaborated with Data Science & Marketing to set benchmarks, improve funnel metrics, and refine targeting to launch high\-impact Campaigns

Senior Manager, Business Process & Products at Mswipe Technologies Pvt\. Ltd\., Apr 2022 \- Aug 2023 · 1 yr 5 mos, Mumbai, ● Manage strategic and tech alliances with partners such as Nucleus \(FinnOne\), Equifax, Karza, Leegality, Novel Patterns, HDFC Life\. ● Conceptualized and launched new products including UPI\-based underwriting, and supply chain finance product, contributing to 30% of new business\. ● Developed a Lead management system \(Odoo\) and web journey, resulting in 22% cost reduction, 32% TAT reduction, and an improved workflow\. ● Enhanced Telesales by deploying Cloud Telephony Systems and WhatsApp Live Chat for Telesales, doubling the outreach and gaining 15% higher connectivity\. ● Engaged with Sales to strategize campaigns via different mediums that drove 32% of annual disbursements\.

Manager, Business Process & Products at Mswipe Technologies Pvt\. Ltd\., Jan 2021 \- May 2022 · 1 yr 5 mos, Mumbai, Been a founding member of the NBFC and played crucial role in setting up the business from ground up\. • Involved in Product Development for LAPR \(Loan against POS Receivables\) and SBL \(Small business Loans\) • Involved in development of Internal risk scorecard which helps in processing new loan applications • Defined workflows, configured LOS\(Loan origination system\) /LMS \(Loan Management System\) systems, and led UAT validation across cross\-functional teams to support scalable lending operations and system reliability\. • Manage existing relationships, new tie\-ups of Partner NBFC's • Develop models for pre\-approving loans based on primary and secondary data such as transaction data, location data, etc\. • Maintain data & perform analysis on Portfolio, Collections, DPD, Customer segment, Bad rates, etc and manage regular publishing of reports to the management • Develop internal processes, document and communicate with required teams • Tracking efficiency and implement in process improvements wherever necessary

Product Manager, Business Loans at Mswipe Technologies Pvt\. Ltd\., Oct 2020 \- Dec 2020 · 3 mos, Mumbai, Maharashtra, India

Financial Analyst at Knowledge Lens, Apr 2017 \- May 2017 · 2 mos, Bengaluru Area, India, Conducted profitability analysis for individual products & services and company\. Competitive analysis and pricing strategy for new product \(GLens\) Studying performance parameters of industry leaders and peers as a benchmarking exercise

## Education

Master of Business Administration \(MBA\), Telecommunications Management, Symbiosis Institute of Digital & Telecom Management \(SIDTM\), Pune

Bachelor of Commerce \- BCom, Finance, General, University of Mumbai

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

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