Pankaj Kumar Varma profile photo 1 on Tal

Pankaj Kumar Varma

Senior Product Manager | Capital Markets & WealthTech | Demat & Trading Onboarding | KYC/CKYC | Fintech Integrations | Funnel Optimization

Mumbai Metropolitan Region

5+ years of work experience

Jainam Broking Limited
Sep 20261 moPresent

Mumbai

Currently building end-to-end onboarding journeys for resident Indians, NRIs, and non-individuals. I design back-office scrutiny logics for straight-through processing (STP) to eliminate manual verification, alongside post-onboarding modification servicing modules.
Axis Securities Limited
Jan 20242 yrs 10 mosPresent

India

• Developed a superfast digital demat account opening customer journey, ensuring completion within 3 minutes. • Integrated investment options like smallcase and stock SIP for an optimized client experience. • Analyzed and optimized account opening metrics to drive cost efficiency and performance improvement.
SBI Securities
Dec 20221 yr 8 mosJul 2024

India

• Improved lead-to-account conversion by 60% and significantly reduced cost per account through journey redesign. • Implemented automated KYC verification, reducing manual verification effort by 40%. • Integrated Setu and DigiLocker; redesigned onboarding for SBI branches, YONO, and internet banking channels.
5paisa
Sep 20211 yr 4 mosDec 2022

India

• Reduced cost per account opened by 36.52%, cost per acquisition by 9.48%, and technology expenses by 57.98% in 8 months. • Improved customer service efficiency by reducing query response time by 42.11% and led fintech/vendor optimization.
May 20214 mosAug 2021

Evaluated business processes and optimized Loan originating and Management. Worked closely on lending products like loan against securities and loan for IPO's. Monitored and prioritized deliverables for timely project completion.
Apr 20213 mosJun 2021

Assisted in opening Demat accounts and managed client portfolios. Proficient in technical and fundamental analysis of stocks.

Pankaj’s AI Stack

claude
claude

Education

Master of Business Administration - MBA, Finance

Symbiosis Institute of Business Management

20192 yrs2021

Join Pankaj and 10k+ other professionals on

Tal Boss

Tal is the app where bosses meet engineers & builders directly, without middlemen

Download Tal Boss

Pankaj Kumar Varma on Tal

Headline

Senior Product Manager | Capital Markets & WealthTech | Demat & Trading Onboarding | KYC/CKYC | Fintech Integrations | Funnel Optimization

About

Senior Product Manager with deep expertise in Capital Markets, WealthTech, and Digital Onboarding journeys across leading brokerage ecosystems including Axis Securities, SBI Securities, and 5paisa. Specialized in building high-conversion demat and trading account opening journeys, fintech integrations, KYC/CKYC workflows, DigiLocker integrations, activation funnels, and customer lifecycle optimization. Proven track record of: • Improving lead-to-account conversion by 60% • Reducing onboarding costs significantly • Optimizing customer activation and compliance workflows • Building scalable onboarding journeys for retail, NRI, and corporate clients With an MBA in Finance from Symbiosis Institute of Business Management (full-time), I specialize in digital product management, Customer onboarding optimization, and reducing operating costs. Passionate about delivering customer-centric solutions, I aim to empower organizations with streamlined digital experiences that drive growth and improve customer satisfaction.

Location

Mumbai Metropolitan Region

AI stack

claude

Work experience

AVP Product at Jainam Broking Limited, Sep 2026 - Present · 1 mo, Mumbai, Currently building end-to-end onboarding journeys for resident Indians, NRIs, and non-individuals. I design back-office scrutiny logics for straight-through processing (STP) to eliminate manual verification, alongside post-onboarding modification servicing modules.

Senior Product Manager at Axis Securities Limited, Jan 2024 - Present · 2 yrs 10 mos, India, • Developed a superfast digital demat account opening customer journey, ensuring completion within 3 minutes. • Integrated investment options like smallcase and stock SIP for an optimized client experience. • Analyzed and optimized account opening metrics to drive cost efficiency and performance improvement.

Product Owner at SBI Securities, Dec 2022 - Jul 2024 · 1 yr 8 mos, India, • Improved lead-to-account conversion by 60% and significantly reduced cost per account through journey redesign. • Implemented automated KYC verification, reducing manual verification effort by 40%. • Integrated Setu and DigiLocker; redesigned onboarding for SBI branches, YONO, and internet banking channels.

Product Manager at 5paisa, Sep 2021 - Dec 2022 · 1 yr 4 mos, India, • Reduced cost per account opened by 36.52%, cost per acquisition by 9.48%, and technology expenses by 57.98% in 8 months. • Improved customer service efficiency by reducing query response time by 42.11% and led fintech/vendor optimization.

Business Analyst Intern at All Cloud, May 2021 - Aug 2021 · 4 mos, Evaluated business processes and optimized Loan originating and Management. Worked closely on lending products like loan against securities and loan for IPO's. Monitored and prioritized deliverables for timely project completion.

Equity Research Specialist at IIFL, Apr 2021 - Jun 2021 · 3 mos, Assisted in opening Demat accounts and managed client portfolios. Proficient in technical and fundamental analysis of stocks.

Education

Master of Business Administration - MBA, Finance, Symbiosis Institute of Business Management