---
title: "Ritwick Bhaduri - Senior Manager - Product in Bengaluru | Tal"
description: "Meet Ritwick Bhaduri, Building Product at FamApp by Trio (formerly FamPay) based in Bengaluru. AI stack includes claude, cursor, and mcp."
image: "https://tal.club/meet/ritwick-bhaduri/share-image"
---

# Ritwick Bhaduri on Tal

## Headline

Building Product at FamApp by Trio \(formerly FamPay\)

## About

An explorer at heart, driven by vision and curiosity to uncover possibilities beyond the expected\. Specializing in fintech product management with a proven track record of reducing KYC costs by 62% and driving industry leading conversion rates\.

## Location

Bengaluru

## AI stack

claude

cursor

mcp

notebooklm

notion

openai

## Work experience

Senior Manager \- Product at Tri O Tech, Jan 2025 \- Present · 1 yr 8 mos, Bengaluru, Karnataka, India, Product \(Core Banking Product Team\): \- Owned the end\-to\-end KYC verification experience for the PPI wallet, covering onboarding, ReKYC, and other compliance with RBI KYC Master Directions \- Launched ReKYC journeys that met regulatory requirements while keeping the experience simple and frictionless for customers \- Prepared the product for internal and RBI audits, converting complex regulatory expectations into clear product controls, workflows, and documentation \- Introduced handling of inactive and dormant accounts, ensuring regulatory compliance while streamlining internal operations \- Building the eKYC onboarding flow end\-to\-end as an NPCI Setu member, enabling UIDAI compliant Aadhaar\-based verification, designed to eliminate the DigiLocker bottleneck responsible for 65–70% of funnel drop\-off and target a \~3x uplift in conversion \- Kickstarted a complete revamp of the KYC platform, rethinking flows, system architecture, and operational processes to make the system more scalable, partner friendly, and audit ready \- Strengthened the KYC partner ecosystem across DigiKYC and VideoKYC providers to improve reliability, success rates, and operational scale \- Used data and user insights to continuously refine the verification funnel, reducing friction and improving completion rates \- Worked closely with Engineering, Design, Compliance, Operations, and Support to deliver regulatory and platform improvements that directly impacted customer onboarding and account lifecycle management

Product Manager at Tri O Tech, Jun 2023 \- Dec 2024 · 1 yr 7 mos, Bengaluru, Karnataka, India, Product \(Core Banking Product Team\): \- Led the Onboarding and KYC product within the core banking platform \- Drove sign\-up to account opening conversions above industry standards \- Reduced KYC cost by 62% through funnel optimisation and efficient process redesign \- Continuously optimise the KYC funnel to reduce turnaround time using data insights, user feedback, and regulatory changes \- Ensured 100% compliance with RBI’s PPI Master Directions and successfully led RBI audit for KYC in collaboration with Legal and Compliance \- Resolved complex edge\-case user issues with scalable, user\-centric product solutions \- Collaborated cross\-functionally with Tech, Design, Finance, Legal, and Customer Success teams

Product & Growth at Fam India, Jun 2022 \- May 2023 · 1 yr, Bengaluru, Karnataka, India, Product Ops Lead \(Growth Team\): \- Drive growth and brand partnership campaigns\. \- Ensure effective campaign reach and deliver committed results to brand partners\. \- Manage the end\-to\-end process from campaign launch to data dashboard setup for monitoring\. \- Conduct real\-time analysis to make data\-driven decisions and optimize campaign performance\. \- Drive sustained growth for products while meeting commitments to brand partners\.

Growth & Community at Fam India, Mar 2021 \- May 2022 · 1 yr 3 mos, Bengaluru, Karnataka, India, Product Ops \(Growth Team\): \- Led the Product Operations team for real\-time app management\. \- Analysing campaigns and creating data trackers\. \- Oversaw the community section in the FamPay app\. Community Manager: \- Led the FamPay Discord community, driving engagement and growth\. \- Managed user acquisition and seamless product integration\. \- Led a team of moderators for community support\.

Community Intern at Fam India, Sep 2020 \- Feb 2021 · 6 mos, Bengaluru, Karnataka, India, Analytics Team \(2 Months\): \- Conducted user calls, uncovering and analysing early FamPay app pain points\. Customer Support Team \(2 Months\): \- Resolved tickets of user problems through Freshchat and Freshdesk and facilitated BPO team onboarding\. Community Team \- Discord Launch: \- Spearheaded FamPay Discord community launch\. \- Curated content, fostering a sense of community among users\.

Business Development Intern at Woovly, Jun 2020 \- Aug 2020 · 3 mos, Bengaluru, Karnataka, India

Marketing Intern at Kolus, Jun 2020 \- Jun 2020 · 1 mo, Bengaluru, Karnataka, India

Marketing Intern at Woovly, May 2019 \- Oct 2019 · 6 mos, Chennai, Tamil Nadu, India

## Education

Bachelor of Technology, Computer Science and Engineering, SRM IST Chennai

Secondary Education, Science, Delhi Public School, Ruby Park, Kolkata

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

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