---
title: "Neelam Ahuja - Senior Product Manager in Pune District | Tal"
description: "Meet Neelam Ahuja, 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 based in Pune District. AI stack includes claude code, claude, an..."
image: "https://tal.club/meet/neelam-ahuja/share-image"
---

# Neelam Ahuja on Tal

## 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/

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

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