---
title: "Ramya Pingili - Product Manager in Bengaluru | Tal"
description: "Meet Ramya Pingili, Civil Servant → Product Manager| Fintech & Lending | Payments, UPI, eMandate & Reconciliation | Ad Monetisation & Growth | IIM Bangalore | UPSC CSE AIR 907 based in Bengaluru. AI stack includes hugging face, langchain, and notion."
image: "https://tal.club/meet/ramya-pingili/share-image"
---

# Ramya Pingili on Tal

## Headline

Civil Servant → Product Manager\| Fintech & Lending \| Payments, UPI, eMandate & Reconciliation \| Ad Monetisation & Growth \| IIM Bangalore \| UPSC CSE AIR 907

## About

I'm a fintech product leader with two defining experiences \- clearing UPSC Civil Services \(AIR 907, top 0\.1% from 800,000\+ candidates\) and an MBA from IIM Bangalore\. Together, they shaped how I think: systems\-first, comfortable with ambiguity, and relentless about driving outcomes\. That foundation now powers my work in fintech\. With 7\+ years across payments, lending, CRM, and AI, I've built products from zero and scaled them to handle real money, real users, and real regulatory pressure\. In my current role in lending, I've worked across the full spectrum \- from building an AI\-enabled Autopay platform and shipping an ML\-driven autodebit engine, to growing ad monetisation from scratch and re\-architecting borrower communications to be leaner and more effective\. Along the way, I've also led RBI compliance migrations that kept significant lending revenue on track\. I have hands\-on experience working with payment gateways and aggregators, and a deep understanding of the payments ecosystem \- from integration and failure analysis to reconciliation and success rate optimisation\. Before product, I served as an IRPS officer on Indian Railways, leading personnel and operations across one of the largest rail networks in the world\. It taught me how to lead through ambiguity, align diverse stakeholders, and move large systems forward\. Those instincts show up every day in how I build products\. These days, I'm most energised at the intersection of AI, fintech, and growth, whether that's building payment systems at scale, driving repayment recovery through ML, or shipping chatbots that actually help users move forward\. If any of this resonates, I'd love to connect — ramya\.iimb@gmail\.com

## Location

Bengaluru

## AI stack

hugging face

langchain

notion

openai

## Work experience

Product Manager at mPokket, Sep 2023 \- Present · 3 yrs, Bangalore Urban, • Scaled Autopay to a high\-volume daily collections platform, improving eMandate coverage and transaction success rates through intelligent part\-payment logic and autodebit optimisation • Owned eMandate creation flows on the UPI ecosystem end to end, managing payment gateway and aggregator integrations with Juspay — including failure analysis, reconciliation, and settlement • Protected significant annual lending revenue by leading RBI compliance migrations before regulatory deadlines • Grew ad monetisation from zero to a meaningful daily revenue stream, improving CTR and eCPM through structured experimentation, without impacting lending metrics • Eliminated large\-scale repayment incidents by deploying real\-time observability and alerting across autopay flows • Migrated lifecycle communications to a modern CRM platform, significantly cutting SMS costs and improving campaign efficiency across the borrower journey\.

Civil Servant \- IRPS at Ministry of Indian Railways, Apr 2021 \- Sep 2023 · 2 yrs 6 mos, Vadodara, Gujarat, India

Personal goal pursuit at Career Break, Aug 2017 \- Mar 2021 · 3 yrs 8 mos, Bengaluru, Karnataka, Prepared and succeeded in Civil Services Examination 2019\. I had acquired extensive knowledge on Economics, Polity, Regulations, Anthropology to name a few\. The preparation also helped me in becoming more holistic and aware about my strengths and capabilities\. I have acquired soft skills like Perseverance, learning from failures, prioritization and smart\-working in a highly competitive environment\.

Product Manager at Media iQ Digital Ltd, Sep 2015 \- Jul 2017 · 1 yr 11 mos, Greater Bengaluru Area, • Ideated & launched Campaign planning automation tool, transforming manual process into self\-serve product; Eliminated 30\+ hrs/week of effort, enabling scalable delivery • Owned Social Analytics platform for the 2016 US Presidential Election, influencing $1M\+ media budget allocation through data\-driven campaign intelligence • Built Sales enablement product for 60\+ enterprise prospects, converting 16 enterprise clients and generating \~$1M in annual revenue\.

Executive Assistant to the President of Ratings at CRISIL Limited, May 2015 \- Sep 2015 · 5 mos, Mumbai Area, India, \+ Assisted in framing the 3 year corporate business strategy of Ratings division by \+ Coordinated with Business Devp\.and Analytics teams to provide internal view of market \+ Coordinated with MIS and Analytics team in carrying out industry analysis of Ratings

## Education

Master of Business Administration \(MBA\), Marketing, Indian Institute of Management Bangalore

Bachelor of Technology \(B\.Tech\.\), Civil Engineering, National Institute of Technology warangal

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

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