Headline

Consumer Tech and FinTech | ex-Tata Digital | ex-McKinsey | IIM Kozhikode | VJTI

About

Product and business leader with a track record of building and scaling digital platforms in fintech, payments, and consumer tech. I bring a unique blend of experience across product development, strategy, and execution—having led 0-to-1 launches, scaled platforms to millions of transactions, and driven cross-functional transformations. At Tata Digital, I was a founding team member and later Product Head for Payments. I shaped the strategy, built teams, filed RBI licenses, and laid the groundwork for Tata’s digital financial services play. I built and launched consumer products (UPI, Bill Pay, Gift Cards) and merchant solutions (Checkout, Tokenization)—scaling to ₹21,000 Cr in annual payments value across 18 Tata group companies. I also drove monetization through cross-sell into commerce, credit, and financial services, and introduced first-in-market features to deepen engagement. Earlier, at McKinsey & Company, I advised BFSI and industrial clients on growth, digital transformation, and market entry—crafting product strategies, streamlining operations, and leading GTM plans that unlocked measurable results. I started my career as a developer at Amdocs and hold an MBA from IIM Kozhikode and a B.Tech from VJTI Mumbai. I'm passionate about building customer-first products at scale, navigating ambiguity, and driving business outcomes through tech-led innovation.

Location

Mumbai

AI stack

langchain

openai

perplexity

xai

Work experience

Product and Revenue Head at DreamMoney, May 2025 - Present · 1 yr 1 mo, Mumbai

Product Head - Payments at Tata Digital, Sep 2019 - Apr 2025 · 5 yrs 8 mos, Led the end-to-end build and scale-up of Payments On Tata Neu across UPI, Bill Pay, Gift Cards, and Checkout solutions. Launched both consumer and merchant products from scratch, scaled to 3M+ monthly transactions, and enabled ₹21,000 Cr in annual payments across Tata Group. Drove 40%+ user conversion and built monetization through deep cross-sell into commerce, credit, and financial services. Introduced several first-in-market features and piloted AI-led personalization in gifting.

Founding Member at Tata Digital, Oct 2018 - Aug 2019 · 11 mos, Part of the core team that established Tata Digital and Tata Payments. Led company formation, RBI licensing, and early product strategy. Designed the business model for financial services, covering credit, rewards, and payments. Evaluated fintech investments to build out the ecosystem.

Associate at McKinsey & Company, Jun 2016 - Oct 2018 · 2 yrs 5 mos, Mumbai, India, Advised leading banks, NBFCs, and industrials on growth strategy, digital transformation, and operations. Key projects included SME banking GTM, lending process redesign (50% faster TAT), and sales optimization (15%+ revenue uplift).

MBA Summer Intern at Asian Paints, Apr 2015 - May 2015 · 2 mos, Ahmedabad

Subject Matter Expert - Integration at Amdocs, Jul 2012 - Jun 2014 · 2 yrs, Pune

Education

Master of Business Administration (M.B.A.), Business Administration and Management, General, Indian Institute of Management, Kozhikode

Bachelor of Technology (B.Tech.), Information Technology, Veermata Jijabai Technological Institute