---
title: "Shardul Ayare - Product Manager in Pune City | Tal"
description: "Meet Shardul Ayare, Product Manager @FPL Technologies. based in Pune City. AI stack includes antigravity, claude code, and claude."
image: "https://tal.club/meet/shardul-ayare/share-image"
---

# Shardul Ayare on Tal

## Headline

Product Manager @FPL Technologies\.

## About

Product Manager at FPL Technologies \(OneCard\) with a background in Data Science and analytics\. Transitioned into Product Management in 2025 to build and improve collections CRM systems by combining business understanding with data\-driven decision making\. Previously worked on machine learning, customer segmentation, and recovery strategy for collections operations\. Experienced in fintech, sourcing, collections strategy, and operational tooling across digital, telecalling, and field recovery workflows\.

## Location

Pune City

## AI stack

antigravity

claude code

claude

gemini

ChatGPT Images

OpenAI Agents SDK

## Work experience

Product Manager at FPL Technologies, Aug 2025 \- Present · 1 yr 2 mos, Pune District, A\) Payout automation\. The organization relied on fragmented, manual processes to calculate and assign payouts to third party collection agencies\. I designed and launched the automated end\-to\-end Payout Architecture from scratch, developing the underlying calculation logic, UI templates, and a dynamic "Grid Assignment" system for rule\-based segmentation\. Eliminated manual calculation errors which saved 1% \(\~15 lac\) per month\. Drastically reduced processing time, establishing a scalable, automated single source of truth for the finance and collections teams\. B\) RBI Compliance & Data Security Tightening Reserve Bank of India \(RBI\) regulations required immediate, stringent updates to enterprise data privacy and access controls\. Led the compliance initiative by engineering enhanced Role\-Based Access Control \(RBAC\) to restrict unauthorized account searches alongside deploying robust PII masking rules for sensitive customer data for collections CRM used by FPL as well as 150 external agencies\. Made the CRM RBI complaint which avoided escalations during audit\.

Data Scientist at FPL Technologies, May 2023 \- Aug 2025 · 2 yrs 4 mos, India, A\) Data Science & Machine Learning • Developed XGBoost\-based Propensity Model to identify MAD paying customers in the NPA bucket\. Enabled segmentation of customers for differentiated treatment strategies\. Reduced recovery costs by 30% for good customer segments through focus on in\-house and digital recovery channels\. • Designed new communication journeys for overdue customers using the AIDA principle and executed A/B tests to optimize messaging\. Improved engagement by 2% and accelerated payment recovery\. Business Intelligence and Analytics • Designed communication adherence dashboard for tracking digital communication metrics\. Achieved approx\- imately 5% uplift in delivery rates by identifying and resolving critical bugs in the sending process, alongside developing SOP for content creation\. • Created dashboard for monitoring and optimizing Credit Card user onboarding processes\. Improved funnel visi\- bility, reduced onboarding time and dropouts\. • Identified process bottlenecks in BRE \(Business Rule Engine\) during onboarding analysis\. Led to a 2–3% increase in onboarding success rate\. B\) Reporting and Data Infrastructure • Automated reporting pipelines for bank, investor, and risk teams\. Saved manual effort and improved reporting accuracy\. • Built and maintained critical data tables used across Product, Risk, and Business teams\. Ensured data consistency and a reliable single source of truth\.

Risk & Data Science Intern at FPL Technologies, Nov 2022 \- May 2023 · 7 mos, Pune, Maharashtra, India, Automated reporting pipelines for bank, investor, and risk teams\. Saved manual effort and improved reporting accuracy\. Built and maintainedcritical data tables used across Product, Risk, and Business teams\. Ensured data consistency and a reliable single source of truth

Research Scientist at SAMEER \(R&D of DIT, Govt of India\), Jan 2020 \- Dec 2021 · 2 yrs, Kharghar,Navi Mumbai, R&D,fabrication and processing of medical linear accelerators\. Design and simulation of electron gun using CST software\.Radiation dose measurement and characterization using Radiation Field Analyser\(SunNuclear\)

Teacher at Keerti Knowledge and Skills Ltd\., Sep 2019 \- Dec 2019 · 4 mos, Doubt solving sessions of HSC level students\.

## Education

Master of Science, Nuclear and Accelerator Physics, Mumbai University Mumbai

B\.Sc Physics, Physics, R\.P\.Gogate College of Arts Science and R\.V\. Joglekar College of Commerce Ratnagiri

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

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