Headline

Product @ Earnifi

About

Product Manager at Earnifi with over four years of experience in product development, product design, and stakeholder management. Spearheaded the launch of a pay advance app, scaling it to $10M ARR, 225,000+ signups, and 47,000+ approved users within four months. Played a key role in developing a subscription-based monetization model with a 90%+ paid conversion rate and optimizing the approval flow to decrease processing time from three days to five minutes with zero manual intervention. Integrated payroll data and open banking APIs, including Pinwheel and Plaid, into a Business Rules Engine (BRE) pipeline, boosting approval rates from 30% to 75% and reducing application drop-off rates from 70% to 30%. Focused on creating data-driven, user-centric fintech solutions that drive adoption and retention, achieving a 70% repeat usage rate. Dedicated to delivering impactful and scalable financial products that align with user needs and business goals.

Location

Bengaluru

AI stack

claude code

claude

cursor

gemini

openai

Work experience

Founding Product Manager at Earnifi, Aug 2025 - Present · 1 yr 3 mos, Bengaluru, • Launched pay advance app from 0 to 1 and within 4 months reached Top 10 in Finance on the App Store — product now at $10M ARR. • Scaled to 125,000+ total signups and 47,000+ approved users within 4 months. • Architected subscription first monetisation model driving 90%+ paid conversion. • Redesigned approval flow end to end and cut time to approval from 3 days to 5 minutes with zero manual intervention. • Integrated payroll data and open banking APIs (Pinwheel, Plaid) into a Business Rules Engine (BRE) pipeline, lifting approval rates from 30% to 75%. • Introduced a fallback approval path, reducing application drop off from 70% to 30%. • Drove 70% repeat usage rate, validating strong product market fit in the earned wage access segment.

Associate Product Manager at Earnifi, Aug 2025 - Present · 1 yr 3 mos, US-based earned wage access platform providing small-dollar advances ($35 avg) to hourly workers. • Launched a US consumer fintech app from 0 to 1, scaling to 2,500–3,000 daily signups and $10M ARR within months of launch, reaching top 10 in Finance App Store rankings • Improved the onboarding funnel through structured A/B testing, reducing step level drop off to under 5% across the flow • Designed the subscription and pricing model so that over 90% of active users convert into paid subscribers • Redesigned onboarding verification sequencing, reducing time to decision from 3 days to 5 minutes with zero manual intervention • Integrated payroll and transaction level banking data into an ML based underwriting scoring model, lifting approval rates from 30% to 75% • Reduced verification drop off from 70% to 30% by diagnosing false positive rejections and introducing a fallback verification path • Built fraud infrastructure, including deduplication, velocity limits, and deny listing, to protect underwriting for hourly and gig economy users • Lowered verification costs by sequencing paid identity checks after underwriting approval, removing Pinwheel from the flow, and switching to Plaid's Transaction Report for underwriting • Drove a 50% repeat usage rate through proactive payment reminders and automated recovery flows

Associate Product Manager at Muthoot FinCorp ONE, Sep 2023 - Jun 2025 · 1 yr 10 mos, Bengaluru, Karnataka, India

Product Analyst at Muthoot FinCorp ONE, Mar 2023 - Nov 2023 · 9 mos, On-site

Data Analyst at Paymatrix, Feb 2022 - Mar 2023 · 1 yr 2 mos, Hyderabad, Telangana, India, Financial infrastructure facilitating short-term credit. • Reduced manual QC time from 24 hours to 1 hour by building a transaction scoring model and automated credit comparison engine • Increased conversions by 20% through competitive analysis and pricing benchmarking

Trainee at Applied AI Course, Jun 2021 - May 2022 · 1 yr

Data Science Intern at Technocolabs Softwares, May 2021 - Jun 2021 · 2 mos, Constructed a Support vector machine model to predict price movements of a stock using financial data

Education

post graduate diploma in economics, data analytics, Gokhale Institute of Politics and Economics

bachelors of science, Economics, maths, statistics, Mount Carmel College, Palace Rd, Bengaluru