Headline

Product Leader | Global Fintech & Agritech | Ex-Founder (IIM-A CIIE.CO) | Scaled Absolute.bio| P&L Owner @ CashKaro.com

About

Product Manager, and former founder with 7+ years building, scaling, and owning P&Ls across global fintech, digital lending, production AI, and B2B marketplaces. Track record spans 4 zero-to-one builds: scaled SilkRoute to $100M GMV in 9 months at Sequoia-backed Absolute.ag ($120M+ raised, 25+ countries), co-built RBI ULI credit rails (500K+ loans in <30 min), founded venture-backed UrbanKhet (IIM-A Ventures CIIE.CO incubation), and scaled CashKaro lending to INR 5.5 Cr (~$600K) monthly disbursements with positive unit economics from Month 1. 📈 SCALE TRACK RECORD & CORE PILLARS 1. DIGITAL LENDING INFRASTRUCTURE & FINTECH P&L • CashKaro Marketplace: Built multi-lender Personal & Student Loan platforms; scaled monthly disbursements to INR 5.5 Cr (~$600K) with positive unit economics from Month 1. • Funnel Conversion: Lifted conversion from 16% to 45% (2.8x lift) across 20+ Tier-1 bank integrations. • RBI ULI Risk Engine: Synthesized 167 satellite, soil & climate indices to disburse 500K+ unsecured loans in <30 min; cut underwriting cost from INR 3,000 to 250 per borrower. 2. PRODUCTION AI & INTELLIGENT SYSTEMS • GenAI Workflow: Shipped AI Loan Origination System with Gemini AI, cutting processing from 9h to 4h and saving INR 1,562 (~$17) per lead. • Computer Vision & ML: Shipped crop disease model on 500K+ images (14 crops), lifting yields 30% for 10M+ users. Built 10km rainfall ML model, cutting insurance premiums 27%. 3. GLOBAL B2B MARKETPLACES ($0 TO $100M GMV) • SilkRoute: Scaled platform from $0 to $100M GMV in 9 months across 25+ countries (100K+ suppliers, 50K+ buyers; AOV: ~$30K). • Custom Rails: Built ERP & IDFC payment gateway; cut financial leakage 80% and settlement cycles from 5 days to 24h. 4. FOUNDER DNA & 0-TO-1 EXECUTION • UrbanKhet: Founded supply chain startup. Scaled to INR 1.2 Cr (~$145K) ARR serving 3,600+ clients and enterprise buyers (Marriott, BigBasket, Ninjacart). • Recognition: IIM-A Ventures (CIIE.CO) seed funding, MeitY TIDE 2.0 Grant, Atal Innovation Award. Promoted 3x in 3 years at Absolute.ag. ⚡ TECH STACK & EXECUTION SPEED Technical Execution: I actively utilize Lovable, Cursor, and Supabase to independently code and deploy working internal tools, cutting manual loan processing time by >50% without waiting for engineering bandwidth. Core Stack: SQL, Amplitude, Mixpanel, MoEngage, Gemini/OpenAI APIs, RAG, Supabase, System Design, PRDs, P&L. 👉 Email: priyam.sameer.95@gmail.com 📍 Base: India (Open to Global Remote / Relocation to UAE, EU, USA, SG)

Location

Bengaluru

Work experience

General Manager : Product Management (Business Growth) at CashKaro.com, Apr 2026 - Present · 7 mos, India, India's largest cashback and affiliate platform ($1B GMV ecosystem). P&L owner of fintech and education loan lending verticals. • Architected Multi-Layer Decision Infrastructure: Built and deployed an auditable 4-layer Business Rule Engine (BRE) integrating 20+ partner banks and NBFCs through a single API layer, eliminating fragmented manual partner routing. • Expanded Monthly Disbursements: Scaled the lending vertical from launch to scale within 6 months of rollout. • Lifted Funnel Conversion Rates: Rebuilt the consumer personal loan matching funnel, lifting end-to-end conversion from 16% to 45% (2.8x increase) while holding partner NPA thresholds constant. • Deployed Generative AI Document Verification: Engineered an automated document extraction and KYC verification pipeline using Gemini and Model Context Protocol (MCP) servers, cutting file processing time by 50% (9 hours to 4 hours) and saving INR 1,562 (~$17 / ~€16) in operational overhead per lead. • Built Education Loan Marketplace: Positioned an end-to-end education loan origination product achieving a 40% inquiry-to-application conversion rate across domestic and international student cohorts. • Recognition: Awarded CashKaro Rookie Rock Star Award (2025) for high business impact within the first 6 months.

Senior Manager Product Management at CashKaro.com, Mar 2025 - Mar 2026 · 1 yr 1 mo, Gurugram

Principal Product Manager at Absolute®, Apr 2024 - Nov 2024 · 8 mos, Gurugram, Joined as Founding PM and earned 3 promotions in 3 years to Principal PM at Sequoia-backed Absolute.ag ($120M+ raised, 25+ countries). Owned 8 distinct product lines across global trade, credit rails, AI models, and enterprise software. Key Products & Verifiable Achievements: • SilkRoute Global Commodity Trading Platform ($100M GMV): Built cross-border trading platform from scratch to $100M GMV in 9 months across India, SEA, and Middle East. Connected 100K+ suppliers & 50K+ buyers with real-time order matching (AOV: ~$30K / INR 25L). Architected enterprise ERP & IDFC payment gateway, cutting leakage by 80%, tickets by 80%, and settlements from 5 days to 24 hours. • RBI Unified Lending Interface (ULI) Credit Risk Engine: Built unified risk engine synthesizing 167 satellite, soil & weather indices to underwrite thin-file borrowers. Collaborated directly with the RBI on the ULI API protocol, enabling partner banks to disburse 500K+ unsecured loans in <30 minutes. Reduced appraisal cost from $36 (INR 3,000) to $3 (INR 250) per borrower; replicated infrastructure to Brazil & Malaysia with Bank of Brazil and Experian. • Upaj Platform Revamp & Farm OS: Built Farm OS combining IoT sensors with GIS parcel tracking, scaling active users from 100K to 600K (6x), reducing CAC by 66%, and lifting D-14 retention by 50%. • Production AI Systems: Shipped edge CV crop disease model trained on 500K+ leaf images (14 crops), lifting yields 30% for 10M+ international farmers. Developed 10km predictive rainfall grid ML model, cutting PMFBY crop insurance premiums by 27%. • Agri-Input E-Commerce & B2B Systems: Launched India’s first agri-input e-commerce platform (2,000+ SKUs, 200+ stores) in 30 days, generating INR 2L daily revenue in Month 1.

Senior Product Manager at Absolute®, Apr 2023 - Apr 2024 · 1 yr 1 mo

Product Manager at Absolute®, Oct 2021 - Apr 2023 · 1 yr 7 mos

Business Incubatee at IIMA Ventures, Oct 2020 - Oct 2021 · 1 yr 1 mo, On-site, Fundraising & Business Fundamentals

Founder & Director at urbanKhet, Jul 2019 - Sep 2021 · 2 yrs 3 mos, Greater Ahmedabad Area, Founded and built a tech-enabled farm-to-fork supply chain startup from a terrace farm into a decentralized distribution network. Key Products & Verifiable Achievements: • Zero-to-One Venture Building: - Engineered a decentralized distribution model across Maharashtra and Gujarat, enabling a 6-hour harvest-to-home fulfillment cycle. - Scaled to INR 1.2 Cr (~$145K) ARR, serving 3,600+ B2C subscribers and 45+ enterprise accounts (Marriott, BigBasket, Udaan, Ninjacart). - Onboarded 3,000+ farmers, boosting farmer incomes by 20% to 30% and reducing post-harvest wastage from 35% to 10%. • Institutional Funding & Awards: - Selected for business incubation and seed funding by IIM Ahmedabad Ventures (CIIE.CO). - Awarded the MeitY TIDE 2.0 Grant from the Ministry of Electronics and Information Technology (Government of India) and the SSIP Grant from the Government of Gujarat. - Won the Atal Innovation Award (Government of Gujarat, 2021) and the Most Promising Startup Award (GUSEC, 2021). • Crisis Leadership: - Restructured logistics in 15 days during COVID-19 lockdowns, sustaining zero interruption in deliveries before executing an orderly corporate wind-down.

Education

Construction Technology, CEPT University