Nikhil Sharma profile photo 1 on Tal

Nikhil Sharma

Head of Product Design, Airtel Payments Bank | Built design org for a 12M+ MAU bank | Trust & Safety · AI-native design ops · Design-to-code pipelines

Gurgaon

6+ years of work experience

Airtel Payments Bank
Jun 20242 yrs 4 mosPresent

Gurugram, Haryana, India

Thee org and AI transformation era - scaled design team and function , strategy, Vault design system, design pods, EC reviews.
Airtel Payments Bank
Jun 20222 yrsMay 2024

Gurugram, Haryana, India

The growth and trust era - 28× gold, 62% fraud reduction, Fraud Alarm, platform separation.
Airtel Payments Bank
Jun 20202 yrsMay 2022

Gurugram, Haryana, India

The shipping era - built and shipped 0 o 60 core use cases and products in the foundation days of the bank.
PayU
20161 yr2017

Gurugram, Haryana, India

GE
20142 yrs2016

Gurugram, Haryana, India

Nikhil’s AI Stack

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codex
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openai
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Education

National Institute of Technology Hamirpur

b arch, architecture

National Institute of Technology Hamirpur

20055 yrs2010

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Headline

Head of Product Design, Airtel Payments Bank | Built design org for a 12M+ MAU bank | Trust & Safety · AI-native design ops · Design-to-code pipelines

About

Nine years ago I was the only designer at Airtel Payments Bank. Today I lead entire design org behind products that 12M+ people use every month many of them holding a smartphone and a bank account for the first time in their lives. That last part shaped everything. When your users can't read the fine print, trust isn't a brand value on a slide, it's whether the interface tells the truth. So we studied real fraud cases and built Fraud Alarm: one swipe freezes the account, resets credentials, and gets the bank to call you back. It won Innovation of the Year and now resolves 39% of frauds on its own. Safe Pay added a third factor of authentication before any UPI debit leaves your account so customers responded by keeping 32% higher balances. Fraud fell 62% in two quarters. The bank now markets trust because design made it real. The growth work comes from the same place. We ran 500+ interviews and 50 field studies across rural and urban India, and kept finding the same thing: people don't lack money, they lack an entry point. Casual savers weren't buying gold because gold felt like a rich person's product so we made it ₹10 a day, and first-time adoption grew 28×. Onboarding grew 7× after we dropped the first deposit from ₹100 to ₹1. None of this was a growth hack. It was listening, then removing the thing in the way. Lately my job has been rebuilding how the org itself works. I wrote the strategy to make us an AI-native product organization, and built Vault: a design system plus a Figma-to-production-code pipeline where 12 designers ship real frontend with zero engineering dependency. QA went from two weeks to two days. I also restructured the team around Behavior-Based Design Pods, a framework I created that organizes designers around user behaviors instead of feature backlogs because most design orgs are still shaped like their Jira boards. On the side I'm building Lane, an AI-native design ops product, solo, on Next.js and Supabase. It keeps me honest about the tools I ask my team to bet on. What I'm looking at next: a Director/VP mandate where design owns business outcomes — trust-critical consumer products at bigger scale, or an org that needs the AI transition done properly. Preferably both.

Location

Gurgaon

AI stack

claude code

claude

codex

cursor

openai

v0

Work experience

DVP - Head of Product Design at Airtel Payments Bank, Jun 2024 - Present · 2 yrs 4 mos, Gurugram, Haryana, India, Thee org and AI transformation era - scaled design team and function , strategy, Vault design system, design pods, EC reviews.

AVP Product design - B2C app & Website at Airtel Payments Bank, Jun 2022 - May 2024 · 2 yrs, Gurugram, Haryana, India, The growth and trust era - 28× gold, 62% fraud reduction, Fraud Alarm, platform separation.

Chief Manager - Product Design at Airtel Payments Bank, Jun 2020 - May 2022 · 2 yrs, Gurugram, Haryana, India, The shipping era - built and shipped 0 o 60 core use cases and products in the foundation days of the bank.

Senior UX Designer at PayU, 2016 - 2017 · 1 yr, Gurugram, Haryana, India

UX Designer at GE, 2014 - 2016 · 2 yrs, Gurugram, Haryana, India

Education

b arch, architecture, National Institute of Technology Hamirpur

Public links

ux-operating-system.vercel.app: https://ux-operating-system.vercel.app/