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Nitish Kumar

Product Manager | Building Credit on UPI Infra | Ex-Founder | IIM Indore

Bengaluru

4+ years of work experience

Tazapay
Aug 20261 moPresent

Bengaluru

Risk and Compliance platform at cross border infrastructure
Vegapay
Sep 20232 y 11 moAug 2026

Gurugram

Product Manager owning Credit Line on UPI at Vegapay, India's leading TSP for CLOU. Joined as one of the earliest product hires. Platform now serves 1M+ accounts processing 10M+ transactions monthly. Shipped 5 production credit modules end to end: General Ledger, Reconciliation, Disputes & Chargebacks, Delinquency & NPA, and Portfolio Management. Owned end-to-end onboarding journeys for credit cards, credit lines, multi-currency prepaid, and prepaid cards, covering KYC, PAN verification, underwriting, account setup, and everything in between. Also build AI-powered internal tooling with Claude and Codex.
Contri
Oct 20221 yr 1 moOct 2023

Bengaluru

Co-founded a UPI-based consumer payments app for shared expenses. Raised INR 1.25 Cr pre-seed from an institutional investor. Owned product, GTM, and investor diligence end to end. Wound down after a category-wide RBI regulatory change. Returned remaining capital to investors.
GitHub
@nitishaps1

Nitish’s AI Stack

claude code
claude code
cursor
cursor
gemini
gemini
langchain
langchain
langsmith
langsmith
openai
openai

Education

Indian Institute of Management, Indore

Integrated Programme in Management (IPM), Business Administration and Management, General

Indian Institute of Management, Indore

20203 yrs2023

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Headline

Product Manager | Building Credit on UPI Infra | Ex-Founder | IIM Indore

About

Product manager building financial infrastructure at the intersection of credit, payments, and emerging technology. I work best at the 0-to-1 stage, where the product doesn't exist yet and the problem is still being figured out. Before this I co-founded a consumer fintech, raised institutional capital, and wound it down after a regulatory change. Returned the remaining capital to investors. That experience shaped how I think about product more than anything else. I write at nitishk.com and build with AI tools on the side.

Location

Bengaluru

AI stack

claude code

cursor

gemini

langchain

langsmith

openai

Work experience

Product Manager at Tazapay, Aug 2026 - Present · 1 mo, Bengaluru, Risk and Compliance platform at cross border infrastructure

Product Manager at Vegapay, Sep 2023 - Aug 2026 · 2 y 11 mo, Gurugram, Product Manager owning Credit Line on UPI at Vegapay, India's leading TSP for CLOU. Joined as one of the earliest product hires. Platform now serves 1M+ accounts processing 10M+ transactions monthly. Shipped 5 production credit modules end to end: General Ledger, Reconciliation, Disputes & Chargebacks, Delinquency & NPA, and Portfolio Management. Owned end-to-end onboarding journeys for credit cards, credit lines, multi-currency prepaid, and prepaid cards, covering KYC, PAN verification, underwriting, account setup, and everything in between. Also build AI-powered internal tooling with Claude and Codex.

Co-Founder at Contri, Oct 2022 - Oct 2023 · 1 yr 1 mo, Bengaluru, Co-founded a UPI-based consumer payments app for shared expenses. Raised INR 1.25 Cr pre-seed from an institutional investor. Owned product, GTM, and investor diligence end to end. Wound down after a category-wide RBI regulatory change. Returned remaining capital to investors.

Education

Integrated Programme in Management (IPM), Business Administration and Management, General, Indian Institute of Management, Indore

Public links

github: https://github.com/nitishaps1

Nitish Kumar - Product Manager in Bengaluru | Tal