Headline

Lead Product Manager | 0-to-1, Platform & Growth Products | Fintech, Embedded Insurance & Consumer Internet

About

I'm a product manager who works best when the problem is important, ambiguous and crosses product, engineering, data, design, operations and compliance. Across 7+ years spanning product, growth and strategy, I've helped take products from problem definition to launch and adoption. My work includes a US-equities product that reached INR 120 Cr+ GMV in six months with 32% KYC-to-funded conversion, an advisor workflow that reduced preparation time by 40%, regulated account journeys that moved from 3-4 days to same-day, and partner-onboarding improvements of 30%. My core lane is Senior or Lead Product Management, especially 0-to-1, platform, partner/API and growth products. I also consider product-led Founder's Office, Chief of Staff and venture portfolio growth roles when the mandate is concrete: own a business-critical product or growth problem and move it to a measurable outcome. I use external LLM APIs and AI tools for product prototyping when useful. My core expertise is product judgment, customer and business problem clarity, growth and leading cross-functional teams from decision to launch.

Location

Bengaluru

AI stack

claude code

codex

cursor

langgraph

mcp

Work experience

Vice President of Product Management at Motilal Oswal Financial Services Ltd, Aug 2022 - Present · 4 yrs 1 mo, Bengaluru, Karnataka, India, Led the 0-to-1 launch of a consumer US-equities product for Indian investors across onboarding, payments, broker integrations, operations and regulatory journeys; reached INR 120 Cr+ GMV in six months with 32% KYC-to-funded conversion. • Used advisor research to identify preparation time as the core workflow bottleneck; led the redesign and rollout of recommendation-assisted preparation, reducing prep time by 40%. • Mapped and redesigned Account Aggregator consent and change-of-broker journeys, reducing turnaround from 3-4 days to same-day and improving consent conversion by 20 percentage points. • Led the product rollout of a customer data platform across five business lines and 10M+ identities, enabling identity resolution, segmentation and experiments that contributed to an 18% engagement lift. • Led a five-PM team across investing, advisor and regulated-platform products, translating customer, commercial, operational and compliance needs into prioritised requirements and releases.

Associate Vice President | Consumer Product at Motilal Oswal Financial Services Ltd, Aug 2022 - Apr 2025 · 2 yrs 9 mos

Lead - Product Manager at Riskcovry, Jan 2022 - Jul 2022 · 7 mos, Bengaluru, Karnataka, India, Led requirements, partner coordination, and rollout for an API-based embedded-insurance platform used by enterprise partners including Ola, Flipkart, and IndusInd Bank. • Coordinated product, engineering, compliance, operations, and partner teams across onboarding, journey configuration, integration, and rollout. • Improved partner-onboarding completion by 30% through funnel analysis, progressive profiling, and cross-functional delivery changes. • Helped translate partner and operational needs into product requirements and repeatable implementation processes.

Product Manager at Riskcovry, Apr 2021 - Dec 2021 · 9 mos, Bengaluru, Karnataka, India, First product hire at an early-stage insurtech building India's insurance distribution rails. Read: I was the entire product team and the entire roadmap was a Notion doc with too many question marks. Owned end-to-end product from discovery to production. Designed and shipped core platform features: partner onboarding flows, insurance product configuration engines, and distribution APIs that let banks and NBFCs embed insurance into their existing digital journeys without rebuilding their tech. Worked closely with founders, engineering, and our first enterprise partners to figure out what to build, what to delete, and what to politely ignore. Promoted to Lead PM based on impact and execution velocity. Also based on a healthy ratio of shipped to shouted.

Growth Consultant at Freelance, Apr 2020 - Mar 2021 · 1 yr, A year of freelance PMing. Founders called when their funnels were misbehaving. I showed up with SQL and opinions. Advised 4+ early-stage B2C startups on growth strategy during the COVID-era market contraction, a period when every assumption about user behaviour broke at once. Activation & Retention. Designed activation funnel experiments and retention frameworks for consumer products whose acquisition channels had just been pulled out from under them. Segmentation & Budget Allocation. Built segmentation models to find high-LTV cohorts and redirect limited budgets toward growth loops that actually compounded, instead of paid channels burning cash for vanity. Onboarding & Lifecycle. Built onboarding frameworks that reduced time-to-value for new users across 2 consumer apps, plus lifecycle and CRM journeys that kept users coming back without spamming them. Mostly: helped founders diagnose funnel drop-offs, shape activation and re-engagement experiments, and keep product, design, and engineering pointed at the same goal.

Associate Growth Manager at Rapido - India's Largest Bike Taxi, Jan 2019 - Mar 2020 · 1 yr 3 mos, Bengaluru, Karnataka, India, Got people to ride more, often, and at the right time. Discovered SQL is a love language and cohorts are gossip. Owned rider acquisition, activation, and retention at India's first bike-taxi platform during its hyper-growth Series B phase, when the company was tripling its rider base in 12 months and nobody knew where the next 100,000 users were coming from. Turns out: cohorts and incentives. Lifecycle Growth. Increased rides per user by 22% across 10 cities through gamified loyalty programs, referral mechanics, and SQL-based cohort targeting. Made retention feel less like a CRM job and more like a game. Experimentation. Ran 50+ rapid experiments across pricing, incentives, and onboarding flows. Some worked, some embarrassed me, all of them taught us something a deck couldn't. Segmentation & Personalization. Built user segmentation models to personalize rider and driver experiences, lifting activation rates by 20%+ and stopping the "one-size-fits-no-one" notifications. Marketplace Dynamics. Lived inside two-sided marketplace tradeoffs: supply, demand, pricing, and unit economics across multiple city launches. Learned that a happy driver is worth more than a clever ad.

Research Analyst at RedSeer, Feb 2018 - Jan 2019 · 1 yr, Bengaluru, Karnataka, India, Strategy consulting and market research for digital-economy companies across e-commerce, edtech, fintech, and consumer internet. This is where I learned to build a structured argument out of messy, incomplete data and turn it into a slide a CEO will actually act on. Market Research. Co-authored quantitative industry reports and GTM recommendations for consumer internet and financial services clients pushing into Tier-2+ markets. Lots of primary research, lots of secondary, lots of "what does this number actually mean?" Sizing & Competitive Dynamics. Delivered market sizing, competitive landscape, and consumer behaviour analyses for clients across India's digital economy. The kind of slides that get screenshotted into investor decks. Storytelling. Developed the instinct for structured problem-solving and data-driven storytelling that has quietly underpinned every product decision I've made since. Worked across consumer internet, logistics, and financial services. Learned that the cleanest answer in a board meeting is almost always built on the messiest spreadsheet.

Education

Master of Business Administration - MBA, Indian Institute of Management, Kozhikode

Bachelor’s Degree, Business Administration and Management, General, bangalore university

Public links

github: https://github.com/balabommablock-cpu