Nihal Simha M S profile photo 1 on Tal

Nihal Simha M S

Senior Product Manager at Decentro | Payments | Fintech

Mysore

4+ years of work experience

Decentro
Apr 20267 mosPresent

Bengaluru

• Spearheaded the management and development of key collection products including UPI, Autopay, and Enach. • Drove the resolution of platform-specific challenges such as Refund and Liens management, enhancing merchant experience. • Collaborated on onboarding processes to streamline customer integration and improve satisfaction. • Built automated provider switching feature. Many more things to say but can't put it here.
Decentro
Feb 20251 yr 2 mosMar 2026

Bengaluru

I spearheaded the development of products in the Recurring Collections Stack from ground-up, achieving remarkable improvements in payment success rates, merchant experience & overall stability of the stack. • Introduced a payments retry feature, increasing success rates by 5%. • Developed a Representation feature that enhanced success rates by 9%. • Managed the dashboard experience for recurring collection products. • Built multi-banking architecture products, integrating various banking partners effectively. • Processes over billion dollars in GMV.
Volt Money
Nov 20244 mosFeb 2025

Bengaluru, Karnataka, India

In a short span, I gained a deep understanding of the lending industry(Lamf) and had the opportunity to explore the full breadth of Volt Money's offerings. As a B2B Product Manager, I managed major clients like Groww and IndMoney, driving the adoption of DSP lending. I single-handedly migrated 15+ clients to set DSP as their default lender, delivering exceptional solutions for partner needs.
Decentro
Nov 20231 yr 1 moNov 2024

Bengaluru, Karnataka, India

Leads overall ideation & development of eNach mandate & digital lending products. Build an internal alerting system to track & monitor the performance of our APIs.
EY
Apr 20221 yr 8 mosNov 2023

Pune, Maharashtra, India

Consulting - Software Asset Management - Microsoft ISV MS-SPLA, Generic & Full ELP, RedHat ISV Automation, IBM Sub-cap Automation, MS-SPLA Automation, CA ELP Automation. 5x Spot award, 1x High Performing Team 1. Automation 2. Advanced Excel 3. SQL 4. VBA 5. Power BI
Cognizant
Sep 20216 mosFeb 2022

Bengaluru, Karnataka, India

• Worked on System Center Configuration Manager(SCCM) & End User Computing. • Activated inactive machines in SCCM. • Installed SCCM client on servers & user machines. • Pushed required software via SCCM. • Troubleshooted O365 apps & other apps. • Installed different applications on user machine. Tools used - • ServiceNow • SCCM • Nexthink

Nihal’s AI Stack

aistudio
aistudio
claude code
claude code
gemini
gemini
openai
openai

Education

Bachelor of Engineering - BE, Computer Science

Mysore college of Engineering & Management

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Headline

Senior Product Manager at Decentro | Payments | Fintech

About

I bring a diverse professional background to my role as a small business leader. With total of 5+ years experience in product management, consulting, and entrepreneurship, I have developed and managed innovative financial solutions across various domains. My journey includes driving growth and efficiency at organizations such as Decentro, where I contributed to enhancing payment success rates and merchant experiences through advanced product development. My earlier experiences span from consulting roles at EY to co-founding startups focused on digitizing processes for businesses.

Location

Mysore

AI stack

aistudio

claude code

gemini

openai

Work experience

Senior Product Manager at Decentro, Apr 2026 - Present · 7 mos, Bengaluru, • Spearheaded the management and development of key collection products including UPI, Autopay, and Enach. • Drove the resolution of platform-specific challenges such as Refund and Liens management, enhancing merchant experience. • Collaborated on onboarding processes to streamline customer integration and improve satisfaction. • Built automated provider switching feature. Many more things to say but can't put it here.

Product Manager at Decentro, Feb 2025 - Mar 2026 · 1 yr 2 mos, Bengaluru, I spearheaded the development of products in the Recurring Collections Stack from ground-up, achieving remarkable improvements in payment success rates, merchant experience & overall stability of the stack. • Introduced a payments retry feature, increasing success rates by 5%. • Developed a Representation feature that enhanced success rates by 9%. • Managed the dashboard experience for recurring collection products. • Built multi-banking architecture products, integrating various banking partners effectively. • Processes over billion dollars in GMV.

Product Manager at Volt Money, Nov 2024 - Feb 2025 · 4 mos, Bengaluru, Karnataka, India, In a short span, I gained a deep understanding of the lending industry(Lamf) and had the opportunity to explore the full breadth of Volt Money's offerings. As a B2B Product Manager, I managed major clients like Groww and IndMoney, driving the adoption of DSP lending. I single-handedly migrated 15+ clients to set DSP as their default lender, delivering exceptional solutions for partner needs.

Associate Product Manager at Decentro, Nov 2023 - Nov 2024 · 1 yr 1 mo, Bengaluru, Karnataka, India, Leads overall ideation & development of eNach mandate & digital lending products. Build an internal alerting system to track & monitor the performance of our APIs.

Analyst - 2 at EY, Apr 2022 - Nov 2023 · 1 yr 8 mos, Pune, Maharashtra, India, Consulting - Software Asset Management - Microsoft ISV MS-SPLA, Generic & Full ELP, RedHat ISV Automation, IBM Sub-cap Automation, MS-SPLA Automation, CA ELP Automation. 5x Spot award, 1x High Performing Team 1. Automation 2. Advanced Excel 3. SQL 4. VBA 5. Power BI

Analyst Trainee at Cognizant, Sep 2021 - Feb 2022 · 6 mos, Bengaluru, Karnataka, India, • Worked on System Center Configuration Manager(SCCM) & End User Computing. • Activated inactive machines in SCCM. • Installed SCCM client on servers & user machines. • Pushed required software via SCCM. • Troubleshooted O365 apps & other apps. • Installed different applications on user machine. Tools used - • ServiceNow • SCCM • Nexthink

Education

Bachelor of Engineering - BE, Computer Science, Mysore college of Engineering & Management