Headline

Product Leader | Investment & Real Assets Platforms | Enterprise Fintech | AI-Enabled Product Strategy | Agile Delivery | TIAA · IIM Lucknow · IBM AI PM

About

I build institutional-grade investment platforms that manage billions - not as a credential, but as the lens through which I make every product decision. At TIAA, I own end-to-end product strategy for real assets and alternative investment platforms supporting investment, portfolio, and asset-level workflows. I translate business intent from investment teams, risk, compliance, and operations into scalable, regulator-ready technology. I run Agile delivery, define multi-year roadmaps, and track adoption and service KPIs with the same rigor I'd apply to a P&L. Earlier, as a Portfolio Manager at Kotak Mahindra Bank, I owned a PAN-India cards portfolio worth ₹4,000+ Cr - full accountability for revenue forecasting, incentive design, and executive reporting. At IndusInd and ICICI, I led business and loss forecasting for 200+ person organizations, with single-person ownership of target distribution across 250 PAN-India employees. I hold an Executive Program in Data-Driven Product Management from IIM Lucknow and am IBM-certified AI Product Manager. I actively use AI in product discovery, backlog generation, and wireframing - including deploying Amazon Kiro to generate JIRA-ready backlogs and interactive HTML prototypes without UX resources. I'm seeking senior Product roles at global fintechs, investment technology firms, or institutional asset managers where product depth in real assets, data, and AI can create measurable platform impact.

Location

Mumbai Metropolitan Region

AI stack

codex

cursor

opencode

Work experience

Product Owner at TIAA, Aug 2022 - Present · 4 yrs 1 mo, Mumbai, Maharashtra, India, * Delivered end-to-end product strategy for AI powered real assets enterprise platform - by leading Agile delivery across an 8-person cross-functional team, resulting in scalable investment, portfolio, and asset-level workflows now used by global real assets business. * Drove AI-enabled product discovery by deploying Amazon Kiro to generate JIRA-ready backlogs and interactive HTML wireframes without dedicated UX resources, reducing prototyping time by 75% and enabling leadership demos in weeks rather than months. * Reduced backlog ambiguity and sprint spillover by institutionalizing pre-drafted acceptance criteria and Agile ceremonies, improving team delivery predictability across multi-quarter roadmap execution. Product Backlog Management | Agile Delivery | AI Powered Product Strategy | Stakeholder Management

Product Support and Analytics at Kotak Mahindra Bank, Apr 2020 - Aug 2022 · 2 yrs 5 mos, Mumbai, Maharashtra, India, * Managed a PAN-India cards portfolio of ₹4,000+ Cr by building forecasting, performance tracking, and realignment frameworks, resulting in data-driven target distribution and governance reporting delivered to senior leadership. * Built and maintained portfolio performance dashboards used by senior leadership for strategic decisioning - covering spend trends, activation rates, and risk exposure. * Empowered senior leadership with strategic portfolio insights by engineering executive-level MIS that enhanced visibility into daily logins, monthly conversions, and new business onboarding, directly driving quarterly portfolio churning strategies.

Product Manager at IndusInd Bank, Dec 2018 - Apr 2020 · 1 yr 5 mos, Mumbai Area, India, * Grew monthly digital lending disbursements from INR 60Cr to 100cr per month (+67%) within 12 months through Digital Application and analytics-led product decisions and roadmap ownership. * Owned product roadmap and UAT, coordinated across Policy, Operations, Technology, and Sales for seamless go-live delivery. * Designed and delivered cross-sell lending in collaboration with Credit & Policy teams for existing clients through offline channels.

Process Manager - Strategy at ICICI Bank, Aug 2015 - Dec 2018 · 3 yrs 5 mos, Mumbai Area, India, * Single-handedly owned business and loss forecasting for a 250+ person PAN-India team by building projection models and target distribution frameworks, enabling strategic planning and risk decisions at the executive level. * Generated ₹150+ Cr in incremental revenue by leveraging CIBIL bureau data to execute deep market research, strategically driving the expansion of 200+ new lending branches. * Built MIS and analytics frameworks supporting data-driven strategic decisions for national senior leadership

Education

Executive Program, Data Driven Product Management, Indian Institute of Management, Lucknow

Post Graduate Diploma, Banking, Manipal Academy of Higher Education