Ruchir S. profile photo 1 on Tal

Ruchir S.

Senior PM · Platform & API Products · SaaS · Fintech & Lending Infrastructure

India

7+ years of work experience

Reserve Bank Innovation Hub (RBIH)
Dec 20259 mosPresent

On-site

Shriram Finance Limited
Apr 20258 mosNov 2025

Shriram Finance Limited
Jun 20231 yr 10 mosMar 2025

Chennai, Tamil Nadu, India

Revamped legacy loan origination into a modular fintech platform, reducing approval TAT from 2 days → 2 hours by introducing rule-based workflows, real-time validation, and centralized controls. Increased application volume by 20% MoM, reaching 650K+ applications during peak season by improving UX and backend throughput. Spearheaded 11+ API integrations (eKYC, GST, CIBIL, ITR, EPFO, vehicle verification, mandates), cutting manual data entry by 58% and reducing operational risk. Reduced average module/API implementation time from 4–8 weeks to 4 days by designing plug-and-play interoperability architecture. Achieved 100% internal adoption in 90 days across 8500+ sales users and 3500 branches through structured training, rollout dashboards, and KPI-driven onboarding. Boosted lead-to-loan conversion rate by 24% across SuperApp, website, and vendor channels by implementing a business rules engine (BRE) to auto-qualify B2C leads earlier in the funnel. Authored 60+ BRDs/PRDs and collaborated with Engineering, Risk, and Compliance to align features with regulatory and business needs.
Replicon
May 20211 yr 1 moMay 2022

Bengaluru, Karnataka, India

Designed and launched ERP/HRMS integrations (SAP, Oracle, Workday, ADP, QuickBooks) for payroll and time-tracking, saving clients 3 working days per biweekly cycle. Monetized integrations via one-time implementation fees, driving new revenue and reducing churn by improving switching costs. Automated admin workflows for enterprise clients, cutting operational overhead by 30% and enhancing reliability. Contributed to NPS uplift by simplifying onboarding and system configuration, improving admin experience significantly.
Convergys
Jan 20192 yrs 5 mosMay 2021

Remote

Led a 23-member support team, improving CSAT and reducing issue resolution time by 47% through automation, SOPs, and feedback loops. Built self-help tools and issue resolution bots for recurring complaints, boosting first-contact resolution (FCR) and reducing human escalations. Collaborated with Product to translate user pain points into automated solutions, influencing backlog prioritization and feature enhancements. Conducted performance reviews, structured training programs, and coached junior analysts, contributing to internal promotions and retention.
Convergys
Sep 20171 yr 5 mosJan 2019

Bengaluru, Karnataka, India

GitHub
@ruchirsinha

Ruchir’s AI Stack

anthropic apis
anthropic apis
claude code
claude code
codex
codex
mcp
mcp
Make
Make

Education

Great Lakes Institute of Management

Post Graduate Program in Management, Business Administration and Management, General

Great Lakes Institute of Management

Kalinga University, Raipur

Bachelor of Technology - BTech, Electronics and Communications Engineering

Kalinga University, Raipur

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Headline

Senior PM · Platform & API Products · SaaS · Fintech & Lending Infrastructure

About

Most fintech PMs see lending from one side, either the NBFC operator floor or the API platform. I've built from both, and learned how to write about platform craft in a way that travels. At Shriram Finance, I redesigned the loan origination platform powering a ₹2L Cr vehicle finance portfolio. We cut approval TAT from 5 days to 2 hours, scaled to 650K+ applications a quarter, and rolled the platform out to 8,500 users across 3,500 branches in 90 days. I learned the unglamorous truth about regulated B2B: most "tech problems" are decision-rights problems wearing a costume. Before that, at Replicon (now Deltek), I shipped enterprise integrations with SAP, Workday, ADP, etc. and learned that integrations are products, not features. Now I'm at RBI Innovation Hub, working on lending infrastructure at the national layer. (Views shared on LinkedIn are personal and do not reflect the organisation.) Before product, I led a 23-person support team at Convergys for 4 years. That shaped how I think about user pain, every backlog item is a complaint that got organised. If you're a founder, CPO, or hiring manager building platforms in fintech, SaaS, internet, or banking transformation, my DMs are open. 📍 Bangalore | 🌐 Open globally | ✉ ruchir3110@gmail.com

Location

India

AI stack

anthropic apis

claude code

codex

mcp

Make

Work experience

Product Manager at Reserve Bank Innovation Hub (RBIH), Dec 2025 - Present · 9 mos, On-site

Senior Product Manager at Shriram Finance Limited, Apr 2025 - Nov 2025 · 8 mos

Product Manager at Shriram Finance Limited, Jun 2023 - Mar 2025 · 1 yr 10 mos, Chennai, Tamil Nadu, India, Revamped legacy loan origination into a modular fintech platform, reducing approval TAT from 2 days → 2 hours by introducing rule-based workflows, real-time validation, and centralized controls. Increased application volume by 20% MoM, reaching 650K+ applications during peak season by improving UX and backend throughput. Spearheaded 11+ API integrations (eKYC, GST, CIBIL, ITR, EPFO, vehicle verification, mandates), cutting manual data entry by 58% and reducing operational risk. Reduced average module/API implementation time from 4–8 weeks to 4 days by designing plug-and-play interoperability architecture. Achieved 100% internal adoption in 90 days across 8500+ sales users and 3500 branches through structured training, rollout dashboards, and KPI-driven onboarding. Boosted lead-to-loan conversion rate by 24% across SuperApp, website, and vendor channels by implementing a business rules engine (BRE) to auto-qualify B2C leads earlier in the funnel. Authored 60+ BRDs/PRDs and collaborated with Engineering, Risk, and Compliance to align features with regulatory and business needs.

Product Engineer at Replicon, May 2021 - May 2022 · 1 yr 1 mo, Bengaluru, Karnataka, India, Designed and launched ERP/HRMS integrations (SAP, Oracle, Workday, ADP, QuickBooks) for payroll and time-tracking, saving clients 3 working days per biweekly cycle. Monetized integrations via one-time implementation fees, driving new revenue and reducing churn by improving switching costs. Automated admin workflows for enterprise clients, cutting operational overhead by 30% and enhancing reliability. Contributed to NPS uplift by simplifying onboarding and system configuration, improving admin experience significantly.

Technical Lead at Convergys, Jan 2019 - May 2021 · 2 yrs 5 mos, Remote, Led a 23-member support team, improving CSAT and reducing issue resolution time by 47% through automation, SOPs, and feedback loops. Built self-help tools and issue resolution bots for recurring complaints, boosting first-contact resolution (FCR) and reducing human escalations. Collaborated with Product to translate user pain points into automated solutions, influencing backlog prioritization and feature enhancements. Conducted performance reviews, structured training programs, and coached junior analysts, contributing to internal promotions and retention.

Escalation Engineer at Convergys, Sep 2017 - Jan 2019 · 1 yr 5 mos, Bengaluru, Karnataka, India

Education

Post Graduate Program in Management, Business Administration and Management, General, Great Lakes Institute of Management

Bachelor of Technology - BTech, Electronics and Communications Engineering, Kalinga University, Raipur

Public links

github: https://github.com/ruchirsinha