Headline

Sr. Product Manager | FinTech - AI Products - Digital Lending - Personal Finance | India Stack | RBIH | Bajaj Finserv | SRCC

About

Product Manager with 5+ years of experience building AI-powered FinTech products across digital lending, personal finance, and India's Digital Public Infrastructure (Account Aggregator, India Stack, Unified Lending Interface). I've taken products from 0→1 and scaled them to 100K+ MAUs, ₹200 Cr monthly lending volumes, and 1M+ user experiences. Some products I've built: - Personal Finance Management platform launched from scratch using Account Aggregator, reaching 100K+ monthly active users. - Digital lending journeys that scaled to ₹200 Cr in monthly disbursals. - GenAI-powered sales and financial insight experiences on AWS Bedrock, enabling self-service customer journeys. Across these, I've worked extensively with India's Digital Public Infrastructure, including India Stack, Account Aggregator and Unified Lending Interface. What drives me is building simple, intuitive financial products for everyday users — helping them understand their money better through sharp insights and nudges. I'm now deepening my expertise in AI product development, because I believe the next generation of financial experiences will be built at the intersection of AI, data, and trust. Core strengths: Product strategy & roadmapping | Data-driven decision making | Cross-functional execution | Stakeholder Management | API & platform integrations | Agile delivery I'm currently open to Product Manager and Senior Product Manager opportunities in FinTech, AI, WealthTech, and platform products, particularly where product strategy, customer experience, and AI intersect.

Location

Bengaluru

AI stack

claude

lovable

openai

perplexity

ChatGPT

Microsoft Copilot

Work experience

Manager - Soutions & Partnerships at Reserve Bank Innovation Hub (RBIH), Apr 2026 - Present · 7 mos, Bengaluru, Karnataka, India, Building fintech infrastructure products at Reserve Bank Innovation Hub (RBIH), working with banks, NBFCs, and ecosystem partners to accelerate adoption of India's Digital Public Infrastructure. Key responsibilities include: - Own partner integrations from solution discovery through production rollout, managing executive stakeholder relationships and cross-functional teams. - Drive product discovery, implementation planning, and rollout strategy for ecosystem-facing financial products. - Collaborate with product, engineering, compliance, and partner teams to deliver scalable implementations across the lending ecosystem. - Work closely with banks and financial institutions on API integrations, onboarding journeys, and implementation governance.

Senior Product Manager at IGNOSIS, Dec 2024 - Aug 2025 · 9 mos, Ahmedabad, Gujarat, India, Owned personal finance and analytics products across Personal Finance Management (PFM), Customer Data Platform (CDP), and AI-powered financial insights, delivering products used by over 1 million users. - Led end-to-end development of the PFM platform, including SDK integrations with 5+ banks and NBFCs to enable seamless financial data aggregation and analytics. - Built Customer Data Platform (CDP) capabilities for AI-driven customer segmentation, cohorts, and campaign orchestration. - Launched Credit Bureau Analysis and Credit Card Statement Analysis products, generating personalized financial insights and recommendations. - Integrated MF Central and investment analytics to deliver consolidated mutual fund and equity portfolio insights, enhancing users' financial wellness experience. - Partnered with engineering, design, analytics, and banking partners to take products from discovery through production rollout and partner implementation. - Used Adobe Analytics to optimize user journeys, funnel performance, and feature adoption through data-driven product improvements.

Product Manager at Bajaj Markets, Feb 2022 - Nov 2024 · 2 yrs 10 mos, Pune, Owned end-to-end product strategy and execution across digital lending, personal finance, and AI-powered customer journeys, building products across loans, Account Aggregator, and platform integrations. - Launched Personal Finance Management (PFM) using Account Aggregator, acquiring 100K+ monthly active users and surpassing adoption targets. - Spearheaded the digital lending roadmap, onboarding Federal Bank and delivering ₹27 Cr in loan disbursals within the first quarter after launch. - Scaled the open architecture lending business through integrations with Kotak Bank, Axis Bank, and BHFL, increasing monthly disbursal run rate from ₹160 Cr to ₹200 Cr. - Built GenAI-powered sales chatbot on AWS Bedrock using RAG architecture to enable self-service customer journeys and reduce operational dependency. - Revamped Credit Health Report with deeper tradeline analysis and personalized recommendations to improve customer engagement and report consumption. - Conducted customer discovery and Voice of Customer (VoC) sessions, partnering with engineering, design, analytics, and business teams to drive roadmap prioritization and product improvements.

Assistant Manager at Ujjivan Small Finance Bank, Oct 2020 - Jan 2022 · 1 yr 4 mos, Bengaluru, Karnataka, India, - Led regulatory automation and portfolio analytics initiatives for the microfinance business, partnering with risk, finance, compliance, and technology teams to improve operational efficiency and regulatory reporting. - Led end-to-end implementation of IRAC automation, from problem discovery through rollout, streamlining regulatory compliance workflows and reducing manual intervention. - Managed regulatory reporting for RBI, CRISIL, CARE, and internal stakeholders, ensuring timely, accurate, and audit-ready submissions. - Built portfolio analytics and reporting solutions that improved visibility into credit performance and supported business decision-making.

Education

PGDM, Finance and Strategy, T A Pai Management Institute, Manipal

Bachelor’s Degree, B.COM(Honours), Shri Ram College of Commerce (SRCC)