Headline

Tinkering with AI. Product Leader | Ex-Upswing, Jupiter

About

For the last 10+ years, I’ve been building products that make financial services simpler, more accessible, and more intuitive for millions of users. My experience spans digital banking, onboarding, payments, credit cards, and embedded lending, but the common thread has always been the same - building products that customers genuinely love while solving the complex technology and infrastructure challenges behind the scenes. At Jupiter, I was part of the founding product team that launched the flagship digital banking platform, helping scale it to 3M+ users before leading the Payments business. More recently at Upswing, I led Product Strategy and P&L for the embedded lending business, scaling it to ₹100 Cr+ ($12Mn+) in monthly disbursals, while launching an embedded secured credit card that reached 250K+ users, most of whom were first-time credit customers. I’m currently exploring what the next decade of product building looks like as AI reshapes how products are imagined, built, and experienced. Along the way, I’m spending time building with AI tools, experimenting with agents and workflows, and looking for the next problem that’s genuinely worth solving.

Location

Bengaluru

AI stack

claude code

claude

notion

obsidian

hermesagent

Granola

Work experience

Product Lead at Upswing Financial Technologies, Oct 2023 - May 2026 · 2 yrs 8 mos, Bengaluru, - Led product strategy, execution, and P&L ownership for Upswing’s embedded lending business, scaling the platform to ~$12Mn+ (₹100 Cr+) in monthly loan disbursals within 6 months of launch. - Built and scaled a lender-agnostic embedded lending platform integrating 5+ lenders and 15+ B2C distribution partners, spanning onboarding, underwriting orchestration, offer generation, KYC, mandate setup, disbursal journeys, and repayment infrastructure. - Owned partner integrations across banks, NBFCs, and B2C distribution platforms; enabled rapid deployment of lending products through configurable workflows and reusable infrastructure components. - Spearheaded the launch of an Embedded Secured FD-backed Credit Card alongside SuperMoney (Flipkart Group), issuing 250,000+ cards with an average limit of ₹ 'X' while enabling 80% new-to-credit users. - Led Web/SDK-led platform customisation capabilities across multiple partners, enabling scalable embedded finance experiences across varied customer segments.

Head of Product - Payments at Jupiter, Apr 2022 - Oct 2023 · 1 yr 7 mos, Bengaluru, - Led product strategy for Jupiter’s Payments business, managing 7 PMs and a 30-member cross-functional pod; scaled monthly transactions from 2.7M to 4.39M and improved MTUs by 18% within 10 months. - Drove UPI growth by scaling Scan & Pay and launching Pay to Contact, increasing QR and P2P payment volumes by 80–90% and improving UPI TPU from 8.8 to 13.6. - Redesigned the Payments experience using backend-driven dynamic layouts and usage-based entry points, reducing bounce rates from 70% to 63% and improving QR/P2P activation by 7%. - Built a standardised payments infrastructure layer powering collections and checkout flows across savings, lending, mutual funds, and gold use cases; reduced redundant engineering effort by 5x and accelerated product launches. - Led platform capabilities around offer orchestration, instrument downtime handling, and reusable payment workflows to improve scalability and experimentation velocity across product teams.

#2 PM - Onboarding at Jupiter, Dec 2019 - Mar 2022 · 2 yrs 4 mos, Mumbai, - 2nd Product hire at Jupiter; launched the flagship Savings Account and onboarding platform in partnership with Federal Bank, scaling to ~3M users within 3 years. - Led onboarding, KYC, fraud controls, acquisition journeys, and bank integrations, building the core onboarding infrastructure that powered Jupiter’s retail banking growth to ~3M users.

Senior Manager - Products & Strategic Initiatives at Zaggle Prepaid Ocean Services Pvt. Ltd., Jun 2019 - Oct 2019 · 5 mos, Hyderabad Area, India, - Built and launched a gift card infrastructure on Stellar blockchain to streamline digital rewards; led product development, onboarded 70+ merchants, and rolled out to 15+ retail locations; generated $50K GMV/month with 20% MoM growth. - Spearheaded fundraising across equity and crypto markets to support group expansion; pitched to 50+ global investors and secured $4.5M in Series A funding for Zaggle and $2M via ICO for Zagg Network. - Led product strategy for multiple prepaid card based solutions for ration, DBT, and tourism programs.

Chief Of Staff at Zaggle Prepaid Ocean Services Pvt. Ltd., Apr 2018 - Jun 2019 · 1 yr 3 mos, Hyderabad Area, India, Working closely with the Founder & Chairman's Office

Product Manager | Founding Member at ZAGG Protocol, Apr 2018 - Mar 2019 · 1 yr, Singapore, Solving Privacy on Public Chains. ZAGG Protocol is privacy-preserving protocol on an account based public blockchain. The protocol uses advanced Zero Knowledge Proofs (ZK-SNARKS) to have all public nodes validate private transactions and prevent double spending. We are building an enterprise-grade blockchain for multiple industry use cases such as: 1. Gift cards 2. Insurance 3. Remittances 4. Loyalty & Rewards program and more. I work on the business and product side at ZAGG Protocol. Currently, I am working on setting up a distribution channel for selling gift cards in retail as one of our first business use-cases. I also work closely with the Founder & CEO in multiple areas including fundraising, investor relations, overall strategy, partnerships, and team building.

FinTech Fellow (Product & Innovation) - FinTech & New Business Initiatives at Bank of Baroda, Apr 2017 - Mar 2018 · 1 yr, Mumbai Area, India, Selected as one of the fellows to assist Bank of Baroda in building its FinTech capabilities under the prestigious Sayajirao Gaekwad Fellowship Program. At the bank, I assisted the FinTech Department discover, evaluate, develop, operationalize and track FinTech product & partnerships. I also examine international markets & identify emerging technological trends in the FinTech space. Few of the projects I worked during my stint at the bank include: 1. API Banking 2. End-to-End Digital Lending for SMEs powered by algo-based underwriting 3. Prepaid Card Solution for corporates (Employee Benefits card) 4. Working on the bank's strategic partnership with South Korea's KB Financial Group 5. Product partnerships for Bank's mobile banking app 6. Payments (IoT) 7. Setting up an Innovation Lab for the bank 8. New Business Tie-ups

Education

Bachelor of Technology (B.Tech.), Computer Science, Vellore Institute of Technology