---
title: "Ramkinkar D. - Product Manager I in Noida | Tal"
description: "Meet Ramkinkar D., Product Manager @ Paytm | Building GenAI, Agentic Ai & Core Payment Products | UPI, Checkout | Data-Driven PM | Ex-Apna | Ex-Founder based in Noida. AI stack includes claude code, codex, and hermes agent."
image: "https://tal.club/meet/ramkinkar-d/share-image"
---

# Ramkinkar D\. on Tal

## Headline

Product Manager @ Paytm \| Building GenAI, Agentic Ai & Core Payment Products \| UPI, Checkout \| Data\-Driven PM \| Ex\-Apna \| Ex\-Founder

## About

Product Manager at Paytm, leading UPI, Checkout, and GenAI /Agentic Ai\-powered payment systems impacting millions of transactions annually\. I own product outcomes end\-to\-end from defining strategy and writing PRDs to launching features, measuring performance, and iterating with engineering, design, and business teams\. Built and deployed an internal GenAI Bot using LLMs and RAG to automate NPCI circular discovery, streamlining compliance in a high\-regulation environment\. Previously led Product Analytics across UPI, Checkout, and the CST AI Bot\. Delivered insights that shaped product direction and improved funnel performance\. Proficient in SQL, BigQuery, Hive, Starburst, Looker, and experimentation frameworks\. At Apna\.co, I contributed to algorithmic job\-matching in the Relevancy Team, using behavioral analytics to increase engagement\. As a founder, I launched Writers Voice Society and Digital1x1, supporting creators and early\-stage startups through community and equity\-led digital strategy\. I work at the intersection of product, data, and emerging AI technologies, with a bias for action, clarity, and long\-term product thinking\.

## Location

Noida

## AI stack

claude code

codex

hermes agent

hugging face

openclaw

ChatGPT

## Work experience

Product Manager I at Paytm, Apr 2026 \- Present · 5 mos, Noida, Uttar Pradesh, India, Building AI\-led fintech products with a focus on UPI, payments, core payment gateway offerings, and agentic AI solutions\. Passionate about taking products from 0→1 and solving problems at scale\.

Associate Product Manager at Paytm, Apr 2025 \- Jul 2026 · 1 yr 4 mos, Noida, Uttar Pradesh, India

Junior Manager \- Product Analytics at Paytm, Jul 2024 \- Jun 2025 · 1 yr, Noida, Uttar Pradesh, India

Analytics \+ Product Ops @ Relevancy Team at apna, Sep 2021 \- Jun 2022 · 10 mos, Bengaluru, Karnataka, India, Apna\.co, India's fastest & 27th unicorn startup of 2021, serves as job search marketplace leveraging cutting\-edge technologies • As part of the relevancy team, I worked on improving platform relevancy with data\-driven insights • Set up automated dashboards for relevance & screen lead metrics tracking with the help of SQL, Mixpanel • Ran multiple surveys at different user journey steps to identify user’s pain points and improve product performance • Carried out extensive market research and competitor benchmarking for feature prioritization • Through data analysis, identified and removed 500\+ screening questions that negatively impacted 15% of screen leads • Developed SQL queries that helped in flagging 1K\+ job posting errors, resulting in 10% reduction in screen lead loss • Analyzing CSAT metrics for relevance, engaging with employers to identify the root causes of negative feedback, and putting in place corrective actions to boost employer love for the platform • Worked with the backend engineering team on script creation and Retool development to automate repetitive tasks, resulting in a 2X improvement in team bandwidth

Co\-Founder at Digital1x1\.com, Sep 2020 \- May 2021 · 9 mos, Jaipur, Rajasthan, India, • Co\-founded Digital1x1 with the aim to provide all of the early stage startups digital services need under one umbrella\. • Helped 5\+ Startups to make data\-driven decisions on Product Development/ marketing and strategy building • Delivered & Maintained 10\+ Websites, SMM, SEO, Digital Marketing to Early Stage Startups • Used Sentimental Analysis in website Chabot to increase & enhance the user experience

Process Engineering Intern at Jaipur Metro Railway Corporation, May 2019 \- Jul 2019 · 3 mos, Jaipur, Rajasthan, India, • Won “Intern of the Month” with prize money for performance in the Signaling Department • Presented a report on how error can be minimized in AGC, appreciated by the department director

Co\-Founder at Writer's Voice Society \(WVS\), Oct 2017 \- Dec 2020 · 3 yrs 3 mos, Jaipur, Rajasthan, India, • Co\-Founded a literature startups which provide platform, training & shows to budding artist • Managed & trained 10\+ employees, 100\+ Venue Partners to help over 5000\+ Artist • Raised & managed Rs\. 15 lakh\+ funds from angel investors, CSR and b\-plan competitions • Worked closely with investors, mentors, accountants & 15\+ interns \(managed 10 interns simultaneously\) • Conducted market research via interview, surveys, symposium, A/B testing, conjoint analysis & prototyping • Led product roadmap of company website including wireframe design, storyboarding, website testing, bugs • Conducted competitive analysis of existing entertainment industry companies for feature prioritization • Carried out detailed tests & analytics on company website using Google Analytics & Facebook Ad Manager • Ran a campaign “AAWAZ\-E\-HIND” for letter writing to Family of Pulwama Attack Martyrs, shortlisted & sent over 450 letters from all over country, received direct response from DIGP Wel, Dte\.Gen, New Delhi CRPF • Collaborated with Zostel \(10M valuation\) for corporate shows and conducted live show on New Year Eve

## Education

Bachelor's degree, Electronics and Communications Engineering, rajasthan technical university

[View the original profile](https://tal.club/meet/ramkinkar-d)

```json
{
  "@context": "https://schema.org",
  "@graph": [
    {
      "@type": "Person",
      "@id": "https://tal.club/meet/ramkinkar-d#person",
      "name": "Ramkinkar D.",
      "url": "https://tal.club/meet/ramkinkar-d",
      "image": "https://tal.club/meet/ramkinkar-d/profile-photo.jpg",
      "description": "Meet Ramkinkar D., Product Manager @ Paytm | Building GenAI, Agentic Ai & Core Payment Products | UPI, Checkout | Data-Driven PM | Ex-Apna | Ex-Founder based in Noida. AI stack includes claude code, codex, and hermes agent.",
      "jobTitle": "Product Manager I",
      "worksFor": {
        "@type": "Organization",
        "name": "Paytm"
      },
      "hasOccupation": {
        "@type": "Occupation",
        "name": "Product Manager I"
      },
      "homeLocation": {
        "@type": "Place",
        "name": "Noida"
      },
      "alumniOf": [
        {
          "@type": "EducationalOrganization",
          "name": "rajasthan technical university"
        }
      ],
      "knowsAbout": [
        "claude code",
        "codex",
        "hermes agent",
        "hugging face",
        "openclaw",
        "ChatGPT"
      ],
      "mainEntityOfPage": {
        "@id": "https://tal.club/meet/ramkinkar-d#webpage"
      }
    },
    {
      "@type": "ProfilePage",
      "@id": "https://tal.club/meet/ramkinkar-d#webpage",
      "url": "https://tal.club/meet/ramkinkar-d",
      "name": "Ramkinkar D. on Tal",
      "description": "Meet Ramkinkar D., Product Manager @ Paytm | Building GenAI, Agentic Ai & Core Payment Products | UPI, Checkout | Data-Driven PM | Ex-Apna | Ex-Founder based in Noida. AI stack includes claude code, codex, and hermes agent.",
      "dateModified": "2026-11-11T16:37:35.841Z",
      "isPartOf": {
        "@id": "https://tal.club/#website"
      },
      "mainEntity": {
        "@id": "https://tal.club/meet/ramkinkar-d#person"
      },
      "primaryImageOfPage": {
        "@type": "ImageObject",
        "url": "https://tal.club/meet/ramkinkar-d/profile-photo.jpg",
        "contentUrl": "https://tal.club/meet/ramkinkar-d/profile-photo.jpg",
        "caption": "Ramkinkar D. profile photo on Tal"
      },
      "inLanguage": "en-IN"
    }
  ]
}
```