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Pranay Sharma

Senior Product Manager @ Kotak Mahindra Bank | Fintech & Consumer Tech | IIM Calcutta | 0→1 Builder | Music & Live Events

Mumbai

8+ years of work experience

Kotak Mahindra Bank
Nov 20223 yrs 10 mosPresent

Mumbai, Maharashtra, India

Built and ran the entire cross-sell product function for Kotak's Consumer Durable Finance business — sole PM on the cross-sell side, end to end. Scaled personal loan cross-sell from ₹17.86 Cr to ₹191 Cr in annual disbursal in a single year. At peak, the business was running at ₹36 Cr a month across 4,000+ loans. Launched two insurance products from scratch — Extended Warranty and Accidental & Liquid Damage cover — handling everything from regulatory approvals and pricing to sales training and rollout. Combined with HospiCash, grew insurance premiums 18x (₹10L → ₹1.81 Cr/month) and maintained ₹1 Cr+ monthly for 12 consecutive months. Redesigned the 811 savings account sourcing journey, moving from a clunky internal flow to direct app-based sourcing. Scaled from 6,845 accounts/month to 14,570 at peak — 1.37 lakh accounts in 14 months. Managed a distribution network of 1,300–1,700 field sales officers across modern trade and general trade stores. Navigated an RBI digital onboarding embargo in mid-2024 without disrupting cross-sell continuity. Five products launched. One PM.
Career Break
Sep 20222 mosOct 2022

Mumbai, Maharashtra, India

IDFC FIRST Bank
Nov 202110 mosAug 2022

Mumbai, Maharashtra, India

Monitored business development initiatives, including awareness activities, cold calling drives, and sponsored events with CA, CS, and Law fraternities. Introduced new tailored product offerings across Pricing, Service TAT, and Personalized Relationship Management experience, based on market fit. Led the growth of the Capital Accounts business, expanding revenue streams and market presence. Mentored 300+ sales executives across 30+ branches on personalized sales pitches, customer relationship management, and new product offerings/knowledge
IDFC FIRST Bank
Oct 20201 yr 2 mosNov 2021

On-site

Worked in Trade Forex, International payments, and Structured Solutions (FDI, ODI, M&A deals) space as a Product Strategy Associate. Designed incentive programs for the Sales team to drive Trade Forex business.
Swiggy
Apr 20192 mosMay 2019

Bengaluru, Karnataka, India

Worked on Reduction of Restaurant Acquisition and Onboarding TAT with the Supply Operations Team
Accolite
Jul 20153 yrsJun 2018

Bengaluru

Managed end-to-end product development lifecycle for Customer Service Solution of a big UK Telecom Firm. Designed an Internal Tool to automate merger of checked-in code changes across code repositories, this was widely adopted by the client G vendor teams. Executed Load G Stress Testing On Ford US' Inventory Website for the new features during Internship and acquired PPO

Pranay’s AI Stack

claude code
claude code
claude
claude
elevenlabs
elevenlabs
gemini
gemini
grok
grok
openai
openai

Education

Indian Institute of Management, Calcutta

Master of Business Administration - MBA, Business Administration and Management, General

Indian Institute of Management, Calcutta

20182 yrs2020
Sardar Vallabhbhai National Institute of Technology, Surat

Bachelor of Technology (B.Tech.), Computer Engineering

Sardar Vallabhbhai National Institute of Technology, Surat

20114 yrs2015

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Headline

Senior Product Manager @ Kotak Mahindra Bank | Fintech & Consumer Tech | IIM Calcutta | 0→1 Builder | Music & Live Events

About

Product manager with 7+ years across fintech, consumer banking, and consumer tech. MBA from IIM Calcutta, B.Tech in Computer Engineering from NIT Surat. At Kotak Mahindra Bank, I built the cross-sell product engine from scratch as the sole PM — scaled personal loan disbursal 11x, insurance premiums 18x, sourced 1.37 lakh bank accounts across 14 months. Launched 5 products 0→1. Managed distribution across 1,700+ field staff. Before that at IDFC FIRST Bank, I built the Capital Accounts BD practice from zero across West India — cold-started a 200+ intermediary network and closed ~USD 920K in deals. I'm an engineer by training, which means I'm equally comfortable in a product review and a technical architecture call.

Location

Mumbai

AI stack

claude code

claude

elevenlabs

gemini

grok

openai

Work experience

Senior Product Manager at Kotak Mahindra Bank, Nov 2022 - Present · 3 yrs 10 mos, Mumbai, Maharashtra, India, Built and ran the entire cross-sell product function for Kotak's Consumer Durable Finance business — sole PM on the cross-sell side, end to end. Scaled personal loan cross-sell from ₹17.86 Cr to ₹191 Cr in annual disbursal in a single year. At peak, the business was running at ₹36 Cr a month across 4,000+ loans. Launched two insurance products from scratch — Extended Warranty and Accidental & Liquid Damage cover — handling everything from regulatory approvals and pricing to sales training and rollout. Combined with HospiCash, grew insurance premiums 18x (₹10L → ₹1.81 Cr/month) and maintained ₹1 Cr+ monthly for 12 consecutive months. Redesigned the 811 savings account sourcing journey, moving from a clunky internal flow to direct app-based sourcing. Scaled from 6,845 accounts/month to 14,570 at peak — 1.37 lakh accounts in 14 months. Managed a distribution network of 1,300–1,700 field sales officers across modern trade and general trade stores. Navigated an RBI digital onboarding embargo in mid-2024 without disrupting cross-sell continuity. Five products launched. One PM.

Career transition at Career Break, Sep 2022 - Oct 2022 · 2 mos, Mumbai, Maharashtra, India

Regional Manager - Structured Solutions at IDFC FIRST Bank, Nov 2021 - Aug 2022 · 10 mos, Mumbai, Maharashtra, India, Monitored business development initiatives, including awareness activities, cold calling drives, and sponsored events with CA, CS, and Law fraternities. Introduced new tailored product offerings across Pricing, Service TAT, and Personalized Relationship Management experience, based on market fit. Led the growth of the Capital Accounts business, expanding revenue streams and market presence. Mentored 300+ sales executives across 30+ branches on personalized sales pitches, customer relationship management, and new product offerings/knowledge

Product Strategy Associate at IDFC FIRST Bank, Oct 2020 - Nov 2021 · 1 yr 2 mos, On-site, Worked in Trade Forex, International payments, and Structured Solutions (FDI, ODI, M&A deals) space as a Product Strategy Associate. Designed incentive programs for the Sales team to drive Trade Forex business.

Summer Intern at Swiggy, Apr 2019 - May 2019 · 2 mos, Bengaluru, Karnataka, India, Worked on Reduction of Restaurant Acquisition and Onboarding TAT with the Supply Operations Team

Senior Software Engineer at Accolite, Jul 2015 - Jun 2018 · 3 yrs, Bengaluru, Managed end-to-end product development lifecycle for Customer Service Solution of a big UK Telecom Firm. Designed an Internal Tool to automate merger of checked-in code changes across code repositories, this was widely adopted by the client G vendor teams. Executed Load G Stress Testing On Ford US' Inventory Website for the new features during Internship and acquired PPO

Education

Master of Business Administration - MBA, Business Administration and Management, General, Indian Institute of Management, Calcutta

Bachelor of Technology (B.Tech.), Computer Engineering, Sardar Vallabhbhai National Institute of Technology, Surat