---
title: "Sandeep Pandian - Process Designer - Consumer Lending (Project / Program Delivery) in Bengaluru | Tal"
description: "Meet Sandeep Pandian, Project & Program Manager | Fintech CX Automation, Lending & Payments | IVR/Chatbot Self-Serve, API-led Delivery | ₹3.5 Cr annual savings, 15% to 42% deflection | Ex-Amazon, Ex-Fi based in Bengaluru. AI stack includes claude code, claude, and gemini. Explore public work links..."
image: "https://tal.club/meet/sandeep-pandian/share-image"
---

# Sandeep Pandian on Tal

## Headline

Project & Program Manager \| Fintech CX Automation, Lending & Payments \| IVR/Chatbot Self\-Serve, API\-led Delivery \| ₹3\.5 Cr annual savings, 15% to 42% deflection \| Ex\-Amazon, Ex\-Fi

## About

Project and program manager with 8\+ years in fintech and e\-commerce\. I run cross\-functional delivery of self\-serve platforms and process automation, aligning Engineering, Product, Risk, and Ops to ship API\-led solutions that cut cost and improve customer experience\. Currently Process Designer \- Consumer Lending \(Project / Program Delivery\) at PhonePe\. Recent results: \- ₹3\.5 Cr annual savings and a 45 FTE reduction by automating L1 lending queries \- Chatbot and IVR self\-serve flows that lifted deflection from 15% to 42% \- Real\-time disbursement status in IVR, cutting "Where is my money?" calls by 60% and saving 1,200 support hours a month \- AI Voice Bot discovery that took loan funnel progression to 89% and drove an estimated ₹40 Cr in new disbursements Before PhonePe: instant card issuance and dispute automation at Fi Money \(KYC latency from 2 minutes to under 10 seconds\) and operations projects at Amazon \(automated resolutions up from 45% to 62%, ₹20 Cr annualized fraud prevented\)\. Open to remote Project/Program Manager, Implementation/Delivery, and Product Operations roles in fintech and CX automation\. Portfolio: https://sandeeppandianpm\.netlify\.app Email: sandeep6andrew@gmail\.com

## Location

Bengaluru

## AI stack

claude code

claude

gemini

notebooklm

ChatGPT

Framer AI

## Work experience

Process Designer \- Consumer Lending \(Project / Program Delivery\) at PhonePe, Feb 2025 \- Present · 1 yr 8 mos, Bengaluru, Karnataka, India, Owned the Smart IVR and Chatbot roadmap for Consumer Lending; delivered self\-serve flows that improved deflection from 15% to 42%\. \- Led product discovery for an AI Voice Bot on the lending page; analyzed funnel data to resolve user drop\-offs, increasing funnel progression to 89% and loan conversions to 65% \(driving an estimated ₹40 Cr in new disbursements\)\. \- Integrated real\-time API triggers in IVR for disbursement status; cut "Where is my money?" calls by 60% and saved 1,200 support hours/month\. \- Automated L1 lending queries, delivering ₹3\.5 Cr annual savings and a 45 FTE reduction while maintaining service levels\.

Senior Project Designer \- Debit & Credit Cards at Fi, Feb 2024 \- Feb 2025 · 1 yr 1 mo, Bengaluru, Karnataka, India, \- Redesigned instant issuance for virtual debit cards by optimizing KYC handshakes; reduced latency from 2 minutes to under 10 seconds and improved Day 0 activation by 18%\. \- Resolved debit transaction failures \(including POS timeouts\) with the bank switch team; improved transaction success rate by 12%\. \- Automated chargeback and dispute filing via API\-fed tickets; reduced TAT from 7 days to 48 hours\.

Project Specialist \(L3\) at Amazon, Jun 2021 \- Jan 2024 · 2 yrs 8 mos, Bangalore Urban, Karnataka, India, \- Delivered touchless resolution by integrating courier tracking APIs with decision logic; increased automated closures from 45% to 62% and saved 15,000 hours/year\. \- Partnered with Buyer Risk to detect serial claimers in POD refunds; prevented ₹20 Cr annualized fraud with under 0\.2% false positives\. \- Standardized investigator SOPs and improved decision consistency; achieved 95% QA alignment and reduced variance by 40%\.

Project Coordinator \- Entertainment Business at AIDA Cruises, Mar 2018 \- May 2021 · 3 yrs 3 mos, \- Managed 5\+ concurrent projects \(launches, upgrades, installations\) with 95% on\-time delivery\. \- Coordinated cross\-functional teams of up to 20 across vessels; improved turnaround time and raised guest satisfaction by 35%\.

## Education

bsc, Design and Visual Communications, General, Hindustan College of Arts & Science

## Public links

- sandeeppandianpm\.netlify\.app: https://sandeeppandianpm\.netlify\.app/

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

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