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Siddhartha Sarbapriya

Product Manager @ Ujjivan Small Finance Bank | Go-to-Market Strategy

Bengaluru

10+ years of work experience

Ujjivan Small Finance Bank
Aug 20224 yrs 1 moPresent

Bengaluru

- Own product strategy and roadmap for Hello Ujjivan, a voice-enabled vernacular mobile banking platform focused on financial inclusion for mass-market and bottom-of-pyramid customers. - Led launch of the bank’s first end-to-end DIY digital lending journey, integrating e-sign, e-stamping & AI driven API workflows to improve loan conversion and reduce turnaround time. - Scaled UPI and digital repayment products (BBPS, NACH, SI) to drive higher repayment efficiency, reduce cash dependence and improve customer experience. - Built and strengthened the Business Correspondent digital stack, enabling doorstep banking services and expanding non-branch acquisition and servicing channels. - Partner with business, risk, analytics and engineering teams to deliver customer-centric products aligned to revenue growth, portfolio quality and cost optimisation goals. - Driving feature adoption, digital transaction growth and monetisation initiatives to transform the mobile app into a strategic revenue channel.
iServeU
Aug 20211 yrJul 2022

Bhubaneswar, Orissa, India

-Started Lending as a vertical and taking it from 0 to 1 - Working on the product development front to create Apps for Retail Loans - Managing a team to grow the book size - Partnership and alliances with TSPs - Working Capital, BNPL loans
Satin Creditcare Network Limited
Apr 20214 mosJul 2021

Sambalpur, Orissa, India

Satin Creditcare Network Limited
May 20183 yrsApr 2021

Sambalpur Area, India

Regional Manager based out of Sambalpur Area of Western Odisha - Taking care of 25 Micro Finance branches across 9 districts of Odisha - Handling more than 150 man power and 1 billion AUM (portfolio outstanding) - Responsible for Government, Legal and Financial Institutions Liaison - Cross Sell Business in association with 3rd parties
Satin Creditcare Network Limited
Apr 20162 yrs 2 mosMay 2018

Gurgaon, India

- Developed and Rolled out Cutting edge Loan Origination System (LOS ) as well as Loan Management System (LMS) - Initiating New Initiatives in disbursement module to reach out the last mile through cashless & paperless modes - Working closely with IT and Accounts team to deliver Excellence in the back end Operation channel - Working thoroughly with Internal Audit & Risk team to comply with regulatory aspects - Co-ordination with existing and perspective investors of the company - Rolling out new initiatives in terms of cross sell products for Microfinance clients - Partnering with external agencies for e-KYC and e-Signature to be implemented in Microfinance operations
Centre for Budget and Policy Studies
Apr 20153 mosJun 2015

Bengaluru Area, India

- Analysis of Public Expenditure on Children of Karnataka from 2012 to 2015 - Comparison between budgets of Karnataka and Odisha for financial year 2015-16 in Health Sector - Analyzing the actual spending on children in Karnataka for the financial year 2013-14
Seva Mandir
Nov 20142 mosDec 2014

Udaipur Area, India

It was a part of my Rural Learning and Living Experience (RLLE) included in the course curriculum. As a part of RLLE the following projects and assignments i undertook. -Impact Assessment of Individual farmers under MNREGA in Kumbhalgarh Block -Triangulation exercise to map out possible livelihood opportunities in Gundika Bhilwara village -Village survey and village mapping using tools like Participatory Rural Appraisal (PRA), Participatory Observation etc.

Siddhartha’s AI Stack

claude
claude
elevenlabs
elevenlabs
gemini
gemini
grok
grok

Education

Xavier Institute of Management(XIM Bhubaneswar)

Master of Business Administration (M.B.A.)

Xavier Institute of Management(XIM Bhubaneswar)

20142 yrs2016
Indian Institute of Management, Kozhikode

MDP, Business analytics

Indian Institute of Management, Kozhikode

20212021

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Headline

Product Manager @ Ujjivan Small Finance Bank | Go-to-Market Strategy

About

"Management professional and engineering graduate with expertise in Mobile Banking, Digital lending, and Tech-driven financial solutions for the Bottom of Pyramid segment. MBA from Xavier Institute of Management Bhubaneshwar (XIMB) with a focused approach to product and pricing strategy and P&L management, driving innovation and financial inclusion."

Location

Bengaluru

AI stack

claude

elevenlabs

gemini

grok

Work experience

Product Manager at Ujjivan Small Finance Bank, Aug 2022 - Present · 4 yrs 1 mo, Bengaluru, - Own product strategy and roadmap for Hello Ujjivan, a voice-enabled vernacular mobile banking platform focused on financial inclusion for mass-market and bottom-of-pyramid customers. - Led launch of the bank’s first end-to-end DIY digital lending journey, integrating e-sign, e-stamping & AI driven API workflows to improve loan conversion and reduce turnaround time. - Scaled UPI and digital repayment products (BBPS, NACH, SI) to drive higher repayment efficiency, reduce cash dependence and improve customer experience. - Built and strengthened the Business Correspondent digital stack, enabling doorstep banking services and expanding non-branch acquisition and servicing channels. - Partner with business, risk, analytics and engineering teams to deliver customer-centric products aligned to revenue growth, portfolio quality and cost optimisation goals. - Driving feature adoption, digital transaction growth and monetisation initiatives to transform the mobile app into a strategic revenue channel.

Vice President Of Lending at iServeU, Aug 2021 - Jul 2022 · 1 yr, Bhubaneswar, Orissa, India, -Started Lending as a vertical and taking it from 0 to 1 - Working on the product development front to create Apps for Retail Loans - Managing a team to grow the book size - Partnership and alliances with TSPs - Working Capital, BNPL loans

Deputy General Manager at Satin Creditcare Network Limited, Apr 2021 - Jul 2021 · 4 mos, Sambalpur, Orissa, India

Senior Regional Manager at Satin Creditcare Network Limited, May 2018 - Apr 2021 · 3 yrs, Sambalpur Area, India, Regional Manager based out of Sambalpur Area of Western Odisha - Taking care of 25 Micro Finance branches across 9 districts of Odisha - Handling more than 150 man power and 1 billion AUM (portfolio outstanding) - Responsible for Government, Legal and Financial Institutions Liaison - Cross Sell Business in association with 3rd parties

Product Manager at Satin Creditcare Network Limited, Apr 2016 - May 2018 · 2 yrs 2 mos, Gurgaon, India, - Developed and Rolled out Cutting edge Loan Origination System (LOS ) as well as Loan Management System (LMS) - Initiating New Initiatives in disbursement module to reach out the last mile through cashless & paperless modes - Working closely with IT and Accounts team to deliver Excellence in the back end Operation channel - Working thoroughly with Internal Audit & Risk team to comply with regulatory aspects - Co-ordination with existing and perspective investors of the company - Rolling out new initiatives in terms of cross sell products for Microfinance clients - Partnering with external agencies for e-KYC and e-Signature to be implemented in Microfinance operations

Summer Intern at Centre for Budget and Policy Studies, Apr 2015 - Jun 2015 · 3 mos, Bengaluru Area, India, - Analysis of Public Expenditure on Children of Karnataka from 2012 to 2015 - Comparison between budgets of Karnataka and Odisha for financial year 2015-16 in Health Sector - Analyzing the actual spending on children in Karnataka for the financial year 2013-14

Winter Intern at Seva Mandir, Nov 2014 - Dec 2014 · 2 mos, Udaipur Area, India, It was a part of my Rural Learning and Living Experience (RLLE) included in the course curriculum. As a part of RLLE the following projects and assignments i undertook. -Impact Assessment of Individual farmers under MNREGA in Kumbhalgarh Block -Triangulation exercise to map out possible livelihood opportunities in Gundika Bhilwara village -Village survey and village mapping using tools like Participatory Rural Appraisal (PRA), Participatory Observation etc.

Education

Master of Business Administration (M.B.A.), Xavier Institute of Management(XIM Bhubaneswar)

MDP, Business analytics, Indian Institute of Management, Kozhikode