Lead PM @ Credit Saison | 0 → 1 → 10 | Consumer & SME Lending | Ex-Axis Bank

Bengaluru, Karnataka, India

Bengaluru, Karnataka, India

Bengaluru, Karnataka, India

Mumbai, Maharashtra, India

Bengaluru, Karnataka, India

Pune Division, Maharashtra, India
Goa






PGDM, Marketing and Operations
Goa Institute of Management (GIM)

Bachelor of Engineering - BE, Mechanical Engineering
KLE Technological University - Hubballi (India)
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Learning bit of everything- AI, prototyping, lending, fintech, startup, product, growth and multi-tasking!🚀
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Lead Product Manager at Credit Saison India, Oct 2025 - Present · 1 yr 2 mos, Bengaluru, Karnataka, India, Product Prototyping, AI & Systems Scaling - Spearheading a GenAI 'Credit Co-Pilot' that synthesizes complex business loan facts against credit policies; this innovation is expected to improves underwriting productivity by 30% and empower credit managers to make faster, higher-quality decisions.
Senior Product Manager at Credit Saison India, Oct 2024 - Sep 2025 · 1 yr, Bengaluru, Karnataka, India, 0 → 1 → 10: Consistently driving P&L improvements by eliminating manual inefficiencies. - Automated Credit Assessment Memo (CAM) for business loans, handling ₹300Cr/month volume, slashing vendor costs by 65%, and reducing underwriting TAT by 75%. - Disruptive industry-first partner payout solution that accelerated payout TAT by 70% for ₹15Cr+ monthly payouts across 150+ partners.
Product Manager at Credit Saison India, Oct 2023 - Sep 2024 · 1 yr, Bengaluru, Karnataka, India, Managed SME lending along with PL for branch-led vertical; 150+Cr MoM portfolio. - Built auditable commercial/rate & credit approvals digital workflows, delivering a 2-hour reduction in TAT per case for sales and saving 45+ man-hours/month in reconciliations. - Integrated & scaled eSign workflow in business loan journey to 90%.
Product Manager at Axis Bank, Jul 2021 - Jan 2023 · 1 yr 7 mos, Mumbai, Maharashtra, India, Managed end-to-end web application for DSA sourcing and BYOD mobile app for ~2500 front end sales team in Consumer Lending (PL) division with business value of 300 Cr QoQ from scratch!
Product & Growth Intern at RupeeZen, May 2020 - Feb 2021 · 10 mos, Bengaluru, Karnataka, India, Managed product launch, pre-engagement and growth. Researched cooperative bank's spread in Karnataka & Maharashtra for product distribution strategy. Ideated & designed marketing collateral.
Intern at Tata Steel, Apr 2020 - Jun 2020 · 3 mos, Pune Division, Maharashtra, India, Customer engagement strategies in B2B segment post COVID scenario & benchmarking it for steel industry.
Brand Research Analyst at MBASkool, Oct 2019 - Nov 2019 · 2 mos, Goa, PESTLE analysis of 20 brands from various sectors with comprehensive study of the company's business strategy.
PGDM, Marketing and Operations, Goa Institute of Management (GIM)
Bachelor of Engineering - BE, Mechanical Engineering, KLE Technological University - Hubballi (India)