Nikhil Rosh profile photo 1 on Tal

Nikhil Rosh

Fintech Product Manager

Bengaluru

7+ years of work experience

Northern Arc Capital
Jul 20251 yr 2 mosPresent

Bengaluru, Karnataka, India

API-First Digital Lending Platform · Sole Lending, Co-Lending, Embedded Finance
PhonePe
Dec 20231 yr 8 mosJul 2025

Bengaluru

❖ Led the end-to-end lifecycle of the unsecured lending product, scaling disbursals from ₹0 to ₹1000+ Cr by optimizing UX, CRM, targeting strategies, and risk models ❖ Pioneered and scaled the D2C Credit Score product, scaling up to 3 Cr pulls with a 25% increase in repeat users ❖ Designed and launched the Credit Score Simulator product, boosting in-app engagement by 40% and bureau pulls by 50% ❖ Led the onboarding of 5+ lenders through API integrations, ensuring seamless data exchange and efficient platform scalability ❖ Drove growth strategies, increasing CTR by 0.75% through A/B testing and user persona analysis ❖ Led monthly loan pre-screening and whitelisting projects, enhancing loan accessibility and stakeholder communication ❖ Collaborated cross-functionally on event tracking and data analytics, leading to enhanced UI/UX conversion rates and improved user engagement
ICICI Lombard
Jan 20221 yr 11 mosNov 2023

Hybrid

❖ Drove operational efficiency by reducing backlog by 30% through improved prioritization ❖ Reduced response times by 20% and increased ad-hoc support efficiency by 20% through the development of enhanced Jira workflows
ICICI Lombard
Nov 20192 yrs 2 mosDec 2021

Remote

❖ Increased product usage by 50% during the lockdown by implementing mobile-friendly access solutions ❖ Led the 2W Market Scale-Up Project, improving market penetration by 25% and reducing onboarding time from 20 to 6 days ❖ Spearheaded feature development to predict service due dates, resulting in a 75% increase in service bookings through automated reminders
Autoninja
Jul 20194 mosOct 2019

Bangalore

[Acquired by ICICI Lombard] ❖ Led the launch of new OEM products with streamlined processes, reducing launch timelines by 65% and achieving 100% on-time delivery ❖ Engineered custom reports and automation tools for operation excellence, reducing manual reporting workload by 35% and improving response times by 20% ❖ Enhanced user engagement by 80% by fostering strategic relationships with C-suite executives and actively addressing business needs

Education

National institute of technology Calicut

Bachelor of Technology, Mechanical Engineering

National institute of technology Calicut

20154 yrs2019

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Headline

Fintech Product Manager

About

Welcome 👋 I build fintech products where compliance, risk, and design work together. My work sits at the core of digital lending and credit systems, shaping how users are onboarded, how decisions are made, and how trust is built at scale. I care deeply about getting the fundamentals right: KYC, fraud detection, policy logic, and clear user journeys. I believe the best financial products don’t just grow fast, they grow responsibly. For me, great product management means turning regulatory and risk constraints into clean, usable experiences. If you’re curious about lending, embedded finance, or decisioning systems, don’t feel shy to send a 👋

Location

Bengaluru

Work experience

Product Manager at Northern Arc Capital, Jul 2025 - Present · 1 yr 2 mos, Bengaluru, Karnataka, India, API-First Digital Lending Platform · Sole Lending, Co-Lending, Embedded Finance

Growth at PhonePe, Dec 2023 - Jul 2025 · 1 yr 8 mos, Bengaluru, ❖ Led the end-to-end lifecycle of the unsecured lending product, scaling disbursals from ₹0 to ₹1000+ Cr by optimizing UX, CRM, targeting strategies, and risk models ❖ Pioneered and scaled the D2C Credit Score product, scaling up to 3 Cr pulls with a 25% increase in repeat users ❖ Designed and launched the Credit Score Simulator product, boosting in-app engagement by 40% and bureau pulls by 50% ❖ Led the onboarding of 5+ lenders through API integrations, ensuring seamless data exchange and efficient platform scalability ❖ Drove growth strategies, increasing CTR by 0.75% through A/B testing and user persona analysis ❖ Led monthly loan pre-screening and whitelisting projects, enhancing loan accessibility and stakeholder communication ❖ Collaborated cross-functionally on event tracking and data analytics, leading to enhanced UI/UX conversion rates and improved user engagement

Regional Manager (Product Owner) at ICICI Lombard, Jan 2022 - Nov 2023 · 1 yr 11 mos, Hybrid, ❖ Drove operational efficiency by reducing backlog by 30% through improved prioritization ❖ Reduced response times by 20% and increased ad-hoc support efficiency by 20% through the development of enhanced Jira workflows

Senior Consultant at ICICI Lombard, Nov 2019 - Dec 2021 · 2 yrs 2 mos, Remote, ❖ Increased product usage by 50% during the lockdown by implementing mobile-friendly access solutions ❖ Led the 2W Market Scale-Up Project, improving market penetration by 25% and reducing onboarding time from 20 to 6 days ❖ Spearheaded feature development to predict service due dates, resulting in a 75% increase in service bookings through automated reminders

Associate Consultant at Autoninja, Jul 2019 - Oct 2019 · 4 mos, Bangalore, [Acquired by ICICI Lombard] ❖ Led the launch of new OEM products with streamlined processes, reducing launch timelines by 65% and achieving 100% on-time delivery ❖ Engineered custom reports and automation tools for operation excellence, reducing manual reporting workload by 35% and improving response times by 20% ❖ Enhanced user engagement by 80% by fostering strategic relationships with C-suite executives and actively addressing business needs

Education

Bachelor of Technology, Mechanical Engineering, National institute of technology Calicut