Headline

Product Leader | Fintech, E-Commerce | Applied AI

About

Global Product and People Leader with 16+ years of experience envisioning, building, and scaling enterprise platforms and teams while driving P&L ownership of multi million dollar outcomes across US, Korea and India. Strategic architect of AI-native product roadmaps pioneering agentic workflows, personalization engines and AI enabled self-service experiences in Fintech (debt collections, credit risk) and E-commerce (marketplace trust, customer returns) contexts.

Location

Bengaluru

AI stack

antigravity

opencode

Work experience

Group Product Manager at Walmart Global Tech, Jan 2025 - Present · 1 yr 8 mos, Bengaluru, Product and People leader driving Agentic transformation of Marketplace Risk and Compliance Operations globally at world’s No.1 Retailer

Group Product Manager at Coupang, Sep 2023 - Dec 2024 · 1 yr 4 mos, Seoul, South Korea, Product Leader for customer returns and seller compensations charters for Rocket Growth product (Coupang’s E2E fulfilment service for sellers)

Senior Manager of Product Management at PayPal, Aug 2022 - Sep 2023 · 1 yr 2 mos, Bengaluru, Product Leader for the Collections Platform for PayPal’s global products portfolio including Venmo with an annual recovery portfolio of $1.7+ B; People leader steering a high performing team of 8 product managers and the development charter for 60+ member engineering organisation Launched Unified Collections Platform (UCP) for PayPal’s wallet, consumer credit, BNPL, merchant credit and Venmo portfolio. UCP has enabled seamless collections operations, end user self service experiences and ensured compliance to critical regulations like Reg F (CFPB), TCPA, FCA, EBA mandates Automated collections by introducing AI Native ‘Digital First’ self service channels like automated outbound dialler, IVR, chatbot, personalised notification channels with self service payments, automated balance sweeper and AI enabled outreach channel optimisation which led to 2X improvement in efficiencies ($s collected per $ of OPEX)

Sr. Product Manager - 2 at PayPal, Mar 2021 - Jul 2022 · 1 yr 5 mos, Bengaluru, Karnataka, India, Product leader for Global Collections Platform. Leading a team of talented and passionate product managers solving complex business problems at scale. Selected for PayPal’s ‘Emerging Leaders Program’ 2021 cohort. In Oct '21 received 'Spot Award' for leading compliance program for collections portfolio. In Feb ‘22 received Key Talent award

Sr. Product Manager - 1 at PayPal, Apr 2018 - Mar 2021 · 3 yrs, Bengaluru, KA, India, Nov '20 - Mar '21: Global Product Lead for Collections Platform and Tools for PayPal’s consumer and merchant credit products. Jan '20 - Nov '20: Global Product Lead for Fraud Operations and Collections servicing platforms for PayPal’s credit products portfolio. In Nov ‘20 received Spot Award for launching fraud operations platform for enabling fraud prevention and improved approval rate for Venmo Credit Card launch in the US Nov '18 - Dec '19: Product Manager for PayPal Consumer Credit Risk Platform. Built the next generation global credit risk operations platform which led to $4 M in loss savings and 20% reduction in average case handle time. Received 'Key Talent Award' in 2019 which is a PayPal wide award recognising key contributors across the company. Apr '18 - Oct '18: Product Manager for Transaction Risk Management Platform. Enabling Bank Partnerships (Rewards Redemption, Instant Bank Confirmation) and Instant Refunds

Product Manager at Myntra, Jun 2016 - Apr 2018 · 1 yr 11 mos, Bengaluru Area, India, Product Manager for: 1. ‘Size & Fit' solutions (AI based personalized size recommendations and sizing attribute extraction, size chart experience, product cataloging for sizing attributes and verification during inwards at warehouse) Introduced industry first user profile based personalized size recommendation solution - ‘Myntra Fit Assist’ 2. Fraud Prevention Platform (Real time buyer abuse detection, Linking of accounts, Account verification, Smart Returns) 3. Sentiment Analytics Platform (Customer Sentiment Analytics, Real time Escalation Prediction during customer connects) Awarded at India Fashion Forum 2018 for 'Effective Tech Implementation’ of the year under the 'Customer Experience' category

Business Strategy Manager at Hewlett Packard Enterprise, Nov 2013 - Jun 2016 · 2 yrs 8 mos, Bengaluru Area, India, Product Lead for Global Risk Intelligence Platform (GRIP), an Enterprise Risk Management platform.

Education

PGDM (MBA), Finance, Marketing, Institute of Management Technology, Ghaziabad

B.Tech, Computer Science & Engineering, West Bengal University of Technology, Kolkata