Headline

Senior Product Manager | Acting Product Head | Fintech, Lending Platforms & Applied AI

About

I am usually most useful when the product problem is still messy: important rules live in people's heads, and the business has outgrown how the product was first built. Across 14 years in product, consulting and business analysis, I have worked on lending, banking, insurance and workflow automation. The common thread has been turning complex, regulated processes into products that customers can understand and teams can change without starting over. At MPOWER Financing, I joined as Employee #20 in India, before we had an in-house engineering team. I helped build the lending platform from the ground up and grew from hands-on ownership into leading product across International Student Lending and US Domestic Lending. I currently serve as acting product head for both lines, accountable for P&L outcomes across 5 PODs. The work includes a configurable lending and decisioning platform that has processed more than 1.1M applications. We took credit decisioning from a 48-hour human queue to under 10 seconds. I also helped grow annual originations from about $35M in 2021 to about $350M in 2025. More recently, I defined the product strategy, requirements and evaluation framework for Mira, MPOWER's production AI assistant, which achieved 98% containment across 35,277 users through September 2025. Before MPOWER, I worked at TietoEVRY, Cognizant Business Consulting and Wipro on banking, insurance, retail and workflow-automation problems. That consulting foundation still shapes how I work. I ask questions until the real decision is clear, then stay close to the system details and the people who have to make it work. I care about products that make consequential decisions, especially when automation or AI is involved. Speed matters. So does being able to explain the decision later. I am serving notice, with a confirmed last working day of 15 September 2026, and am exploring senior product leadership roles across fintech, lending platforms, payments and applied AI. If you are building a product where growth, customer outcomes and risk pull in different directions, I would enjoy the conversation.

Location

Bengaluru

AI stack

claude code

codex

cursor

gemini

grok

replit

Work experience

Senior Manager - Product at MPOWER Financing, May 2025 - Present · 1 yr 4 mos, Bengaluru, Acting product head for International Student Lending and US Domestic Lending, accountable for P&L outcomes across multiple PODs, including multiple Product Managers reporting directly. Leading the In-School lending platform, driving product strategy, roadmap, and delivery for international student financing. Lead a product team and partner closely with engineering, credit, ops, and risk to simplify lending workflows, improve student experience, and build scalable decisioning systems. Defined product strategy for an AI-driven assistant now in production, including its guardrails and quality metrics, as part of a broader push to bring AI into decisioning, automation, and customer experience. Own relationships with our originating bank, loan servicer, and key technology vendors, and align cross-functional stakeholders around outcomes, KPIs, and quarterly product goals.

Manager - Product at MPOWER Financing, May 2023 - May 2025 · 2 yrs 1 mo, Managed product delivery across the platform end-to-end, improving release predictability and resolving cross-functional process inefficiencies. Maintained documentation standards and supported the team's shift toward a more structured product development process.

Associate Manager - Product at MPOWER Financing, Apr 2022 - Apr 2023 · 1 yr 1 mo, Extended ownership across multiple concurrent workstreams, coordinating delivery across underwriting, application, and servicing. Began shaping process and documentation standards for the wider team.

Lead - Product at MPOWER Financing, May 2021 - Mar 2022 · 10 mo, Bengaluru, Acted as the primary link between business stakeholders and engineering, owning solution design for platform initiatives spanning application, underwriting, and disbursement. Took on broader ownership of requirements quality and consistency across the team.

Product Owner at MPOWER Financing, Dec 2019 - Apr 2021 · 1 y 4 mo, Bengaluru, Joined as one of the earliest product-side hires, when engineering was managed through an external partner rather than an in-house team. Gathered and documented requirements for early platform workflows and translated business needs into user stories, helping establish how product and engineering would work together as the team transitioned to an in-house model through 2020-21

Product Owner at TietoEVRY, Dec 2018 - Dec 2019 · 1 yr 1 mo, Bengaluru Area, India, Led requirements and Agile delivery for a workflow-automation initiative, replacing a manual, email-based approval process with an automated solution built on Azure Logic Apps. Also explored an early AI-assisted virtual assistant concept to reduce manual processing time for repetitive operational tasks.

Business Analyst / Consultant at Cognizant, May 2015 - Nov 2018 · 3 yrs 7 mos, Bengaluru, Karnataka, India, Led requirements and solution design for digital transformation initiatives across BFS and insurance clients, including legacy platform modernization and business-rules migration. Contributed to business development efforts that won new onshore client engagements through RFPs and solution work.

Associate Consultant at WIPRO TECHNOLOGIES, Nov 2011 - Apr 2014 · 2 yrs 6 mos, Bengaluru, Owned the claims process end to end for a major US insurer, from quoting through settlement, while leading a platform modernization effort. Also delivered a CRM upgrade and digital transformation for a large retail client, managing requirements through go-live.

Education

Master of Business Administration (M.B.A.), Business Analytics, Finance, Great Lakes Institute of Management

Engineer's Degree, Electronics and Instrumentation Engineering, haldia institute of technology

Public links

github: https://github.com/subhasishgoswami02

subhasishgoswami02.github.io: https://subhasishgoswami02.github.io/