---
title: "Spandan Sardar - Digital Product Manager - MSME Payments & MSME Merchants in Mumbai | Tal"
description: "Meet Spandan Sardar, Digital Product Manager – MSME Payments & Collections | 500K+ MSME Accounts, ₹74,000 Cr+ TPV | Merchant Platforms, UPI/QR, Payment Journeys, API Integrations | XLRI based in Mumbai. AI stack includes codex, opencode, and claudecode."
image: "https://tal.club/meet/spandan-sardar/share-image"
---

# Spandan Sardar on Tal

## 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

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

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