Headline

Fintech Product Manager -Innovation & Capability | Expertise in Digital Onboarding, POS, Payments, Lending, Merchant Acquiring, B2B/B2C | RBI-Complaint Platforms | Business Analytics | 0→1, GTM, Agile| Future AI-PM

About

I’m a Fintech Product Manager with 4+ years of experience building and scaling digital products across payments, digital onboarding, lending, and merchant acquiring in regulated BFSI environments. Currently at Bajaj Finserv, I own pan-India, enterprise-scale B2B and B2C platforms across merchant onboarding, RBI-compliant payment journeys, POS, QR, and EMI rails. My role spans end-to-end product ownership—from vision and roadmap to delivery, GTM execution, and portfolio-level KPI governance—working closely with Engineering, Risk, Compliance, Legal, Sales, and Business teams. I specialize in translating RBI regulations and compliance mandates into scalable, audit-ready product capabilities, while driving measurable impact across acquisition, activation, monetization, and revenue growth. I bring strong analytics and commercial acumen, with hands-on experience in AOP planning, funnel optimization, and data-driven decision-making using BI tools and dashboards. Earlier in my career, I worked in product and business roles within retail and digital commerce, building strong foundations in customer experience, GTM execution, and P&L ownership—skills I now apply to fintech product leadership. I’m interested in senior product roles where I can build high-impact, compliant platforms at scale, and increasingly explore AI-enabled product intelligence and automation.

Location

Pune District

AI stack

claude code

claude

gemini

openai

replit

Make

Work experience

Senior Product Manager at Bajaj Finserv, Jun 2022 - Present · 4 y 5 mo, Pune, Senior Product Manager — Digital Platforms & Consumer AI | Jul 2026 – Present ▪ High-Throughput Platform Architecture: Govern the technical product roadmap and data pipelines for enterprise tracking infrastructure (CleverTap, AppsFlyer) scaled across 82 infrastructure modules and serving 27 core lines of business. ▪ Contentsquare Implementation & Optimization: Directed the multi-workstream deployment of Contentsquare across web pages, in-app PWA pages, shared forms, native journeys, and SDKs to isolate defects, lifting click-through by 4% (for GL PDP page). ▪ Infrastructure Rationalization & Migration: Directed a high-visibility, zero-downtime deep-link migration from Branch.io to AppsFlyer, managing screen routing validation to reduce platform operational costs by 30%. ▪ Transactional Pipeline Engineering: Architected 3 data webhooks connecting CleverTap and AppsFlyer to automate downstream programmatic user targeting; processing lines recorded ~353K core views, 51K clicks, and 8K KYC status verification checks. ▪ Internal Systems Automation: Engineered an AI data dashboard for the core product/business teams and tools team to track technical backlogs and functional requirements across 42 delivery PODs. ▪ Core Engagement Engineering: Delivered CleverTap sticky and sound notification frameworks; completed native display testing for CUG rollout and drove WhatsApp/RCS campaign orchestration for personal loans. Senior Product Manager — Payments & Lending | Oct 2024 – Jun 2026 ▪ High-Volume Portfolio Architecture: Governed a high-throughput ₹200+ Cr monthly merchant transaction portfolio across a B2B network of 25K+ merchants; achieved 50% YoY merchant growth and scaled systems training across 400+ people. ▪ Regulatory Risk Governance: Engineered compliance and consent workflows directly across ServiceNow and internal platform architectures, ensuring 100% success across internal and external RBI compliance audits. ▪ POS EMI Launch: Launched EMI financing on POS terminals, giving customers an instalment option at checkout, cutting business loss by 10% and reaching 22% penetration within 7 months. ▪ GenAI Fraud Prevention: Designed and deployed a GenAI invoice matching engine and credit-policy rules to automate documentation verification, dramatically accelerating high-precision fraud detection checks. Product Manager — Payments & Lending | Jun 2022 – Sep 2024 ▪ Core Systems Modernization: Redesigned core merchant onboarding workflows across the high-volume S1- Sales App & M1- Merchant App, unifying P2P, P2M, and risk-capping frameworks to cut onboarding time to a 6-minute window. ▪ Clearing & Settlement Overhaul: Upgraded B2B clearing capabilities on the M1 merchant engine by designing automated batch processing, real-time clearing ledger statements, and control toggles to increase transparency and eliminate manual service operations. ▪ Speed-to-Market Core Execution: Shipped electronic agreement frameworks in 21 days by aligning Legal, Risk, Compliance, and Tech, achieving an 83% straight-through adoption rate. ▪ Strategic Architecture Metrics: Shaped the core Annual Operating Plan (AOP) alongside the CBO and constructed customized Salesforce and Power BI dashboards to track growth KPIs.

Product Manager at Bajaj Finserv, Jun 2022 - Sep 2024 · 2 yrs 4 mos, Pune, Maharashtra, India

Product Operations Manager (Retail & Digital) at Nykaa, Dec 2021 - May 2022 · 6 mos, Kolkata, • Owned customer journey optimization and in-store product experience for premium beauty categories, partnering with category, marketing, and supply teams. • Led data-driven demand forecasting and AOP planning, translating business goals into execution plans across inventory, pricing, and promotions. • Drove experimentation on customer engagement levers (demos, personalization, staff enablement), improving conversion rates by 4–8%. • Acted as a bridge between business and execution teams, tracking KPIs, identifying gaps, and driving continuous improvements in customer experience and revenue outcomes

Product & Business Operations Manager (Retail) at Reliance Brands Limited, Oct 2017 - Nov 2021 · 4 yrs 2 mos, Kolkata, • Owned end-to-end lifecycle of in-store product assortments, pricing, and merchandising strategies aligned with customer insights and brand guidelines. • Delivered 10–20% YoY revenue growth through data-led demand planning, inventory optimization, and customer journey improvements. • Led P&L ownership and AOP execution across multiple stores, driving profitability, cost optimization, and informed business trade-offs. • Partnered with central buying, supply chain, and marketing teams to launch seasonal product lines, improve sell-through, and optimize inventory turn

Education

IPBA, Business Analytics, Indian Institute of Management, Indore

Bachelors In Commerce ( Honours ), Accounting and Finance, University of Calcutta

Public links

neelamahuja.replit.app: https://neelamahuja.replit.app/