---
title: "Nawaz Dalwai - Product Manager in Mumbai | Tal"
description: "Meet Nawaz Dalwai, Product Manager @ HDFC LIFE | Fintech and E-commerce| AI Tinkerer based in Mumbai. AI stack includes claude code, claude, and cursor."
image: "https://tal.club/meet/nawaz-dalwai/share-image"
---

# Nawaz Dalwai on Tal

## 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

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

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