Nawaz Dalwai profile photo 1 on Tal

Nawaz Dalwai

Product Manager @ HDFC LIFE | Fintech and E-commerce| AI Tinkerer

Mumbai

5+ years of work experience

HDFC Life
Mar 20251 yr 7 mosPresent

Mumbai

Launched Fixed Deposits 0→1 on Retire100, embedding discovery across the existing NPS/MF/Insurance user base, growing the deposit book to ₹2 Cr with a 10% cross-sell attach rate in 6 months. Owned conversion funnel for Retire100’s investment products (NPS, MF, FD & Insurance), defining KPIs across a blended ads + tele-sales motion; lifted signup→first-investment from 5% to 12%. Drove API integrations for HDFC Life's core systems—Quote Engine, Agent Hierarchy Management, and Policy Servicing— with a new unified operations platform. Wrapped existing logic instead of rebuilding it, preserving the ability to re-platform later without disrupting dependent systems.
Nimbbl
Oct 20243 moJan 2025

Mumbai

Lifted payment success rates from 87% to 92% owning Nimbbl's PSP integration and routing layer — onboarding new payment service providers to widen the routing options and feeding real-time success-rate, latency, and downtime signals per gateway to reroute traffic away from degraded providers automatically. Launched Merchant Analytics Dashboard giving real-time visibility into key metrics like transaction success rate, payment conversion, gateway-wise performance—eliminating  manual reporting requests.
GrayQuest
Mar 20231 yr 6 mosAug 2024

On-site

Owned loan management platform end-to-end, to run the entire loan lifecycle (application → risk → ops → disbursement → collections → support) on one system; leveraged the cross-functional view across teams to prioritize competing requests and eliminate bottlenecks that fell between them. Reduced disbursement TAT from 3 days to same-day by automating 70% of credit decisions via auto-approval/rejection logic, adding automated cross-validation across application, credit, and KYC data for Ops, and integrating lender APIs for real-time approval and disbursement. Launched an embedded insurance bundle from scratch, owning the end-to-end product cycle — user research, vendor evaluation and selection, API integration, and go-to-market — to reach 11% cross-sell conversion on the attached lending product.
Delta Four Labs
Dec 20211 y 3 moMar 2023

Surat

Increased conversion from 2.4% to 3.2% by instrumenting the full purchase funnel, isolating the highest-impact drop-off through stage-by-stage analysis, and shipping targeted fixes to the largest leaks first. Diagnosed low buyer trust as the top funnel leak for a high-uncertainty product (fabric bought sight-unfelt); prioritized trust signals over interface tweaks — authentic swatch photos, social proof via reviews, and easy exchanges — contributing to the add-to-cart-to-purchase conversion. Surfaced wholesale as the highest-potential segment via order-data analysis and launched volume-based tier pricing that lifted average order value, driving a ~15% revenue increase.
Gbox
Oct 20201 y 2 moDec 2021

Remote

Shipped photo and video editing features and fixed 500+ bugs, helping lift the playstore rating from 3.7 to 4.5 star

Nawaz’s AI Stack

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ChatGPT
ChatGPT
Zapier
Zapier

Education

Mumbai University Mumbai

Bachelor of Engineering - BE, Computer Engineering

Mumbai University Mumbai

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Headline

Product Manager @ HDFC LIFE | Fintech and E-commerce| AI Tinkerer

About

Product Manager with 4.5+ years driving 0→1 launches and conversion-funnel optimization across fintech and e-commerce. Proven record lifting core metrics through user research, data-driven experimentation, and automation.

Location

Mumbai

AI stack

claude code

claude

cursor

ChatGPT

Zapier

Work experience

Product Manager at HDFC Life, Mar 2025 - Present · 1 yr 7 mos, Mumbai, Launched Fixed Deposits 0→1 on Retire100, embedding discovery across the existing NPS/MF/Insurance user base, growing the deposit book to ₹2 Cr with a 10% cross-sell attach rate in 6 months. Owned conversion funnel for Retire100’s investment products (NPS, MF, FD & Insurance), defining KPIs across a blended ads + tele-sales motion; lifted signup→first-investment from 5% to 12%. Drove API integrations for HDFC Life's core systems—Quote Engine, Agent Hierarchy Management, and Policy Servicing— with a new unified operations platform. Wrapped existing logic instead of rebuilding it, preserving the ability to re-platform later without disrupting dependent systems.

Product Manager at Nimbbl, Oct 2024 - Jan 2025 · 3 mo, Mumbai, Lifted payment success rates from 87% to 92% owning Nimbbl's PSP integration and routing layer — onboarding new payment service providers to widen the routing options and feeding real-time success-rate, latency, and downtime signals per gateway to reroute traffic away from degraded providers automatically. Launched Merchant Analytics Dashboard giving real-time visibility into key metrics like transaction success rate, payment conversion, gateway-wise performance—eliminating manual reporting requests.

Associate Product Manager at GrayQuest, Mar 2023 - Aug 2024 · 1 yr 6 mos, On-site, Owned loan management platform end-to-end, to run the entire loan lifecycle (application → risk → ops → disbursement → collections → support) on one system; leveraged the cross-functional view across teams to prioritize competing requests and eliminate bottlenecks that fell between them. Reduced disbursement TAT from 3 days to same-day by automating 70% of credit decisions via auto-approval/rejection logic, adding automated cross-validation across application, credit, and KYC data for Ops, and integrating lender APIs for real-time approval and disbursement. Launched an embedded insurance bundle from scratch, owning the end-to-end product cycle — user research, vendor evaluation and selection, API integration, and go-to-market — to reach 11% cross-sell conversion on the attached lending product.

Associate Product Manager at Delta Four Labs, Dec 2021 - Mar 2023 · 1 y 3 mo, Surat, Increased conversion from 2.4% to 3.2% by instrumenting the full purchase funnel, isolating the highest-impact drop-off through stage-by-stage analysis, and shipping targeted fixes to the largest leaks first. Diagnosed low buyer trust as the top funnel leak for a high-uncertainty product (fabric bought sight-unfelt); prioritized trust signals over interface tweaks — authentic swatch photos, social proof via reviews, and easy exchanges — contributing to the add-to-cart-to-purchase conversion. Surfaced wholesale as the highest-potential segment via order-data analysis and launched volume-based tier pricing that lifted average order value, driving a ~15% revenue increase.

Android Developer at Gbox, Oct 2020 - Dec 2021 · 1 y 2 mo, Remote, Shipped photo and video editing features and fixed 500+ bugs, helping lift the playstore rating from 3.7 to 4.5 star

Education

Bachelor of Engineering - BE, Computer Engineering, Mumbai University Mumbai