---
title: "Siddhartha Sarbapriya - Product Manager in Bengaluru | Tal"
description: "Meet Siddhartha Sarbapriya, Product Manager @ Ujjivan Small Finance Bank | Go-to-Market Strategy based in Bengaluru. AI stack includes claude, elevenlabs, and gemini."
image: "https://tal.club/meet/sidhartha-sarbapriya/share-image"
---

# Siddhartha Sarbapriya on Tal

## 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

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

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