---
title: "Rithwik Mohalal - Product Manager in Hyderabad | Tal"
description: "Meet Rithwik Mohalal, Product @ Backbase | ex-Axis Bank | Forward Deployed AI solutioning in FinTech | Digital Banking, Payments & Business Finance Solutions | TKMCE ‘21 based in Hyderabad. AI stack includes antigravity, claude, and cursor. Explore public work links including rithwikmohalal.onhercu..."
image: "https://tal.club/meet/rithwik-mohan/share-image"
---

# Rithwik Mohalal on Tal

## Headline

Product @ Backbase \| ex\-Axis Bank \| Forward Deployed AI solutioning in FinTech \| Digital Banking, Payments & Business Finance Solutions \| TKMCE ‘21

## About

TLDR: I build and manage fintech products, while watching an unhealthy amount of football\. I enjoy making kafkaesque \(not apache, but the franz one\) systems feel simple and easy to use, minus the magical realism\. I specialise on building a wide range of AI digital banking capabilities \- payments, lending, credit, income assessment, risk management, IDAM, invoicing and expense management, feature & cross\-partner integrations, compliance frameworks \(to name a few\)\. In a real world social dynamic, it translates to easier and faster banking experience for the customers; better clickthrough, reduced opex costs and more revenue for the finstitutions\. Win\-win for both parties\. Since July ‘26, I’m building AR/AP and Invoicing capabilities at Backbase BV\. Previously, I was part of Axis Bank's Arise Cohort 2022, and handled Digital Retail Lending products \(4W, 2W, Used Car, Commercial Vehicles, Construction Equipments\) for Digital Business and Transformations \(DBAT\) vertical \(‘22\-‘26\)\. In other news, I watch the Premier League\. A lot\. My weekly mood is largely dictated by how Manchester United play, and I’ve made peace with that\. But if you’re up for some football banter, I’m always ready to throw hands\.

## Location

Hyderabad

## AI stack

antigravity

claude

cursor

github copilot

lovable

Figma Make

## Work experience

Product Manager at Backbase, Jul 2026 \- Present · 4 mos, Hyderabad, Handling Accounts Receivable \(AR\) / Accounts Payable \(AP\) and Invoicing portfolios under Business, SME and Commercial Banking vertical\. Building one\-stop solution which acts as a single source of truth for all trade finance related needs of an SME \- having AR/AP and payment particulars, Invoices, Expense Management over multiple accounts, Billing etc\.

Product Manager \- Digital Lending at Axis Bank, Nov 2024 \- Jun 2026 · 1 yr 8 mos, Mumbai · Hybrid, Auto Loans portfolio \+ added portfolio of Commercial Vehicles / Construction Equipments \(CVCE\) • Built & delivered ₹8000 Cr \(€720M\+\) portfolio CVCE digital lending journey ground up using AI\-SDLC in June '26\. • Built & Launched Instant Top Up Loan journey \(Initiation to Disbursement in 5 mins\) in July '25 \(Portfolio of ₹300 Cr / €28M\) • Boosted portfolio sales adoption by 84%; reduced post\-sanction TAT by 38%\. • Enhanced Account Aggregator based Income Assessment across multiple products; Achieved 140% AA targets for the FY\. • Built UTM based digital campaigns, taking leverage of Google Analytics & Clevertap, enhanced clickthrough and initiation rates\.

Product Owner at Axis Bank, Oct 2022 \- Nov 2024 · 2 yrs 2 mos, Mumbai · Hybrid, Handled Auto Loans \(4W, 2W, Used Car\) portfolio in Maximus Lending Platform • Rewired Income Assessment capability for the bank across multiple products \- Funnel improved by 40%\. • Secondary PO responsible for the Co\-Applicant workflow enablement and post\-launch adoption in Auto Loans\. • Integrated new FOIR based Bureau\-Credit\-Risk system complying RBI DLG\. Business numbers up by 28%, risk down by 45%\. • Undertook several feature deliveries, API integrations, implementation, testing, debugging, and adoption drives\. • Streamlined Observability and data analytics processes for the portfolio\.

## Education

Bachelor of Technology, Civil Engineering, TKM College of Engineering , Kollam

Bachelor's degree, Civil Engineering, APJ Abdul Kalam Technological University

## Public links

- rithwikmohalal\.onhercules\.app: https://rithwikmohalal\.onhercules\.app/

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

```json
{
  "@context": "https://schema.org",
  "@graph": [
    {
      "@type": "Person",
      "@id": "https://tal.club/meet/rithwik-mohan#person",
      "name": "Rithwik Mohalal",
      "url": "https://tal.club/meet/rithwik-mohan",
      "image": "https://tal.club/meet/rithwik-mohan/profile-photo.jpg",
      "description": "Meet Rithwik Mohalal, Product @ Backbase | ex-Axis Bank | Forward Deployed AI solutioning in FinTech | Digital Banking, Payments & Business Finance Solutions | TKMCE ‘21 based in Hyderabad. AI stack includes antigravity, claude, and cursor. Explore public work links including rithwikmohalal.onhercu...",
      "jobTitle": "Product Manager",
      "worksFor": {
        "@type": "Organization",
        "name": "Backbase"
      },
      "hasOccupation": {
        "@type": "Occupation",
        "name": "Product Manager"
      },
      "homeLocation": {
        "@type": "Place",
        "name": "Hyderabad"
      },
      "alumniOf": [
        {
          "@type": "EducationalOrganization",
          "name": "TKM College of Engineering , Kollam"
        },
        {
          "@type": "EducationalOrganization",
          "name": "APJ Abdul Kalam Technological University"
        }
      ],
      "knowsAbout": [
        "antigravity",
        "claude",
        "cursor",
        "github copilot",
        "lovable",
        "Figma Make"
      ],
      "sameAs": [
        "https://rithwikmohalal.onhercules.app/"
      ],
      "mainEntityOfPage": {
        "@id": "https://tal.club/meet/rithwik-mohan#webpage"
      }
    },
    {
      "@type": "ProfilePage",
      "@id": "https://tal.club/meet/rithwik-mohan#webpage",
      "url": "https://tal.club/meet/rithwik-mohan",
      "name": "Rithwik Mohalal on Tal",
      "description": "Meet Rithwik Mohalal, Product @ Backbase | ex-Axis Bank | Forward Deployed AI solutioning in FinTech | Digital Banking, Payments & Business Finance Solutions | TKMCE ‘21 based in Hyderabad. AI stack includes antigravity, claude, and cursor. Explore public work links including rithwikmohalal.onhercu...",
      "dateModified": "2026-10-19T12:16:29.596Z",
      "isPartOf": {
        "@id": "https://tal.club/#website"
      },
      "mainEntity": {
        "@id": "https://tal.club/meet/rithwik-mohan#person"
      },
      "primaryImageOfPage": {
        "@type": "ImageObject",
        "url": "https://tal.club/meet/rithwik-mohan/profile-photo.jpg",
        "contentUrl": "https://tal.club/meet/rithwik-mohan/profile-photo.jpg",
        "caption": "Rithwik Mohalal profile photo on Tal"
      },
      "inLanguage": "en-IN"
    }
  ]
}
```