Headline

Product @ FinBox | Scaling Fintech Products (Lending, Payments, AI Automation) | Ex-ICICI Bank, FinBox | NIT Jamshedpur | BITSoM

About

I am a Product Manager focused on building scalable fintech platforms across lending, payments, and banking infrastructure. Over the past 4 years, I have worked on products powering loan fulfilment, underwriting risk systems, payment platforms, and merchant infrastructure, delivering solutions that improve operational efficiency and customer experience in highly regulated financial environments. At Protium, I currently work on AI-driven lending platforms and internal infrastructure powering credit decisioning, fulfilment workflows, and vendor ecosystems. Some of the problems I enjoy solving include: • Automating complex financial workflows using AI and data systems • Designing scalable lending and payment infrastructure • Building risk and fraud detection frameworks • Driving adoption of new products across business and operations teams Previously at ICICI Bank, I worked on digital payment platforms including merchant payments, bulk payments infrastructure, and WhatsApp banking automation. Some impact highlights: • Scaled AI-powered loan ingestion adoption from 1.6% → 65% in one month • Reduced loan fulfilment turnaround time by 32% • Built risk detection frameworks reducing high-risk approvals by ~15% • Improved merchant payment success rates by 12% via payment routing APIs I enjoy working at the intersection of technology, financial systems, and product strategy. Currently exploring AI-native product workflows and agentic AI systems in fintech. 📩 Always open to discussions around AI products, fintech infrastructure, and product strategy.

Location

Bengaluru

AI stack

claude

kiro

lovable

n8n

notion

openai

Work experience

Associate Product Manager at FinBox, May 2026 - Present · 5 mos, Bengaluru, Karnataka, India

Senior Product Associate - AI Product at Protium, Aug 2025 - Apr 2026 · 9 mos, Mumbai, Maharashtra, India, Driving product development across the lending fulfilment stack, underwriting risk systems, vendor management platforms, and Loan Management System (LMS) for a high-growth fintech NBFC. Owning end-to-end product lifecycle from problem discovery, PRD definition, roadmap planning, engineering delivery, to post-launch optimization. Key Contributions & Impact • Scaled AI-driven loan ingestion adoption from 1.6% to 65% within 1 month, enabling 1500+ loans/month and reducing TAT by 32% (36h → 24h) • Built digital eSign workflows across the lending journey, reducing agreement execution time from 48h to <4h and increasing disbursals by 22% • Launched Red Flag Indicator (RFI) framework for underwriting, reducing high-risk approvals by ~15% • Built vendor analytics dashboards across 6+ partners, improving SLA adherence by 28% • Partnered with engineering, credit, ops, and compliance to build RBI-compliant lending infrastructure Skills: AI Product Development, Lending Platforms, Risk Systems, Product Strategy, Vendor Management, Fintech Infrastructure, Workflow Automation

Product Manager (UPI , Payment & Collections) at ICICI Bank, Jun 2022 - Aug 2025 · 3 yrs 3 mos, Mumbai, Maharashtra, India, Managed product initiatives across payments, merchant acquiring, and digital banking products, including Payment Gateway, BizPay360, Soundbox, iMultipay, WhatsApp Banking, and e-collection platforms. Responsible for product roadmap execution, GTM strategy, merchant experience improvements, and payment infrastructure optimization. Key Contributions & Impact • Led revamp of BizPay360, driving 10% MoM growth in merchant onboarding via UX and SEO improvements • Launched AI chatbot for customer support automation, reducing support dependency and improving response time • Built WhatsApp-based self-serve flows, reducing call center traffic by 28% MoM • Launched real-time device monitoring platform, reducing issue resolution TAT by 35% and merchant churn by 22% • Improved payment success rates by 12% via smart routing and payment APIs • Contributed to scaling recurring payment solutions across Cards, UPI e-mandates, and NACH, enabling subscription-based payment models for merchants. Skills: Payments Infrastructure, Merchant Products, API Products, GTM Strategy, Product Analytics, AI Automation, Digital Banking

Data Analyst at Snapdeal, Jan 2022 - Jun 2022 · 6 mos, Gurugram, Haryana, India, Key contributions & Impact: • Analyzed RTO patterns and identified key operational bottlenecks, reducing RTO by 4.4% • Built a data pipeline to track Cost-Per-Transaction (CPT) inefficiencies across 100+ sellers, improving pricing and unit economics • Generated insights that drove an 18% increase in daily GMV • Worked with business teams to translate data insights into product and operational decisions → Built a strong foundation in data-driven decision making, now applied in product management roles

Marketing Intern at GrowVation, Jul 2020 - Jul 2020 · 1 mo

Education

Bachelor of Engineering - BE, Electrical and Electronics Engineering, National Institute of Technology Jamshedpur

Product Management with Generative & Agentic AI, BITSoM - BITS School of Management

Public links

app.notion.com: https://app.notion.com/p/Saptarathi-s-Porfolio-36a43681d5908345b8de01f8dc46802a