Headline

Digital Product Manager – MSME Payments & Collections | 500K+ MSME Accounts, ₹74,000 Cr+ TPV | Merchant Platforms, UPI/QR, Payment Journeys, API Integrations | XLRI

About

I’m a Digital Product Manager in fintech focused on MSME payments, merchant platforms, and credit journeys within digital banking. I currently own product strategy for 2 cross‑functional squads (payments; merchant onboarding & collections) at IDFC FIRST Bank, scaling MSME payment infrastructure to 500K+ business accounts and ₹74,000 Cr+ in monthly TPV. My work sits at the intersection of payments, CASA growth, and float monetization. I build products that deepen primary banking relationships for MSMEs: UPI/QR and merchant collections, bulk payouts, merchant lifecycle platforms, and working‑capital credit journeys. Highlights include launching an industry‑first Bulk Pay on app feature (batch NEFT/RTGS) and designing an automated FD Sweep engine. I’ve also scaled digital collections via MyQR to 2,000+ daily active merchants and led GST/ICEGATE/Income Tax/EPFO integrations, driving a 140% increase in GST payment market share through straight‑through digital journeys. I work end‑to‑end: discovery (merchant interviews, funnel analysis, experiments), strategy and OKRs, roadmap and prioritization, UX and API design, and go‑to‑market with sales and operations. Tools I rely on include CleverTap, Power BI/Tableau, Figma, and Jira, combined with Agile squad leadership and close alignment across business, risk, compliance, and engineering.

Location

Mumbai

AI stack

codex

opencode

claudecode

Work experience

Digital Product Manager - MSME Payments & MSME Merchants at IDFC FIRST Bank, Mar 2026 - Present · 6 mos, On-site

Digital Product Manager - MSME Core & MSME Payments at IDFC FIRST Bank, Jan 2025 - Mar 2026 · 1 yr 3 mos, On-site

Digital Product Manager - MSME Core at IDFC FIRST Bank, Jul 2023 - Jan 2025 · 1 yr 7 mos, Mumbai

Summer Intern - Product Management at Intellect Design Arena Ltd, Apr 2022 - Jun 2022 · 3 mos, Chennai, Tamil Nadu, India

Live Project at Reverie Language Technologies, Dec 2021 - Dec 2021 · 1 mo

Engineer at Godrej Waterside, Nov 2020 - May 2021 · 7 mos, Kolkata, West Bengal, India

Internet of Things Engineer at SystemOnSilicon, Jan 2017 - Jun 2018 · 1 yr 6 mos, India

Education

MBA (PGDBM), Marketing & Strategy, XLRI Delhi-NCR

Bachelor of Technology - BTech, institute of engineering and management