Headline

Product Manager @ Kissht | Fintech & Lending | Exploring AI | ex - LogiPe, Growisto

About

I've spent the last few years building financial products that sit at the intersection of user experience, data, and compliance — the kind of work where product decisions have a direct downstream effect - on whether a loan gets approved, whether a user clears verification, or whether a lender trusts the data enough to act on it. My background spans consumer lending, identity verification, and payments infrastructure. I've worked on problems like making KYC less painful for users, helping lenders make smarter underwriting decisions through better data pipelines, and building loan flows that feel fast without cutting corners on risk. A lot of my work involves navigating the gap between what users need and what regulators require then taking product decisions that satisfy both. More recently, I've found myself thinking a lot about where AI fits into the kind of product work I do. Not in a hype-driven way, but genuinely trying to understand which parts of fintech workflows are good candidates for it and which aren't. It's an area I'm paying close attention to - reading, following what's being built, and thinking about how it intersects with compliance-heavy, data-rich environments like lending. Outside of core lending, I've worked closely on onboarding, retention, and subscription models during my time in fleet-tech — a space where the users are truck owners or fleet managers and the stakes of a failed transaction are very real. I care a lot about building things that actually work for the people using them, shipping with intent, and staying close to data without losing sight of the human on the other side of the screen. Always happy to connect with people thinking about product, fintech, AI, or just interesting problems in general. 📩 balwaniparikshit@gmail.com | +91-6260616626

Location

Mumbai

AI stack

claude

cursor

gemini

langsmith

lovable

ChatGPT

Work experience

Product Manager at Kissht, Dec 2025 - Present · 9 mos, Mumbai, ● Designed and integrated the Video KYC journey end-to-end, cutting the average completion time for repeat customers by two-thirds while extending KYC validity from 2 to 10 years, keeping the product fully aligned with RBI guidelines. ● Owned integrations across financial bureaus, account aggregators, and third party APIs : directly contributing to a significant improvement in loan approval rates and cleaner underwriting decisions downstream. ● Partnered with credit risk and data science teams to develop policy evaluation frameworks and risk scoring models that reduced loan default rates while growing monthly disbursal volumes, a balance that's harder to strike than it sounds. ● Spotted high-intent user cohorts through funnel analysis and designed cohort based loan journeys, bringing the repeat loan application time to under 10 min and driving a measurable lift in disbursal volume. ● Led sprint planning and cross-functional delivery across engineering, design, and business, maintaining a 90% on-time release rate across a roadmap that had both regulatory and product priorities running in parallel.

Associate Product Manager - Platform at Kissht, Apr 2024 - Dec 2025 · 1 yr 9 mos, Mumbai, Maharashtra, India

Associate Product Manager at LogiPe, Jul 2022 - Aug 2023 · 1 yr 2 mos, Bengaluru, Karnataka, India, ● Spearheaded integration and operations of 4 key products—FASTag, digital fuel cards, e-NACH service and Truck subscriptions—generating gross transactions value of 15 Cr monthly. ● Collaborated with founders to drive release plans and go-to-market strategies resulting in a 23% increase in customer acquisition and 18% revenue growth within first 9 months. ● Conducted market research & 500+ telephonic interviews to understand the pain points of truck owners and achieve refined product-market fit; increasing user retention by 32%. ● Innovatively implemented instant refund mechanism for incorrect FASTag transactions which auto resolved 35% of support tickets and resulted in 15% reduction in customer churn. ● Crafted impactful feature roadmaps, wireframed initial designs and communicated effectively with technical teams - minimizing delays and optimizing product delivery. ● Provided 24*7 personal assistance to premium customers; retained them for more than 12 months contributing to 20% of the company’s overall annual revenue.

Business Analyst Intern at Growisto, Jan 2022 - Jun 2022 · 6 mos, Indore, Madhya Pradesh, India, ● Analyzed 15+ competitors in athleisure wear industry, identified latest market trends & applied findings to client's e-commerce site, resulting in a 35% sales boost within 90 days. ● Crafted extensive Business Requirements Documents (BRDs) for tech projects, ensuring clarity on objectives & functionalities resulting in a 12% increase in project efficiency. ● Efficiently collaborated cross-functionally, gathered client requirements, documented user stories, improved internal processes; achieving a 10% reduction in project delivery time. ● Supported hiring team in identifying 27+ institutions for recruitment in new geographies, facilitating cross-departmental team expansion.

Data Analytics Intern at Indian School of Business, Jun 2021 - Jul 2021 · 2 mos, ● Collaborated with Professor Anusha Sirigiri (ISB Professor) on global startup research; Validated and extracted details of 25k startups worldwide, ensuring accuracy of 98%. ● Conducted data cleansing activity, created data visualizations and Excel reports to effectively communicate findings to stakeholders, supporting data-driven decision-making.

Business Development Intern at GamersAlly, Apr 2020 - May 2020 · 2 mos, India

Education

Bachelor of Engineering - BE, Electronics and Telecommunications Engineering, Institute of Engineering & Technology DAVV, Indore