Headline

Associate Director| IIM Lucknow| IIFT Delhi

About

I build AI-powered financial products for underserved Indians — from credit to investments. Started as a DBA at TCS & IBM. Today I lead a 10-PM org at WeRize, a digital lender serving Tier 2/3 India — where I've scaled platforms from zero to ₹1,500 Cr+ AUM across lending and investments. 𝗕𝘆 𝘁𝗵𝗲 𝗻𝘂𝗺𝗯𝗲𝗿𝘀: → ₹1,500 Cr+ Lending AUM | 10x portfolio growth → ₹35 Cr/month Organic Digital Collections → ₹15 Cr GMV | ₹2.5 Cr MRR on Investment Products (in 6 months) → 35% High-Risk Applicants Auto-Rejected → 30% Fully Autonomous AI Onboarding → 50% TAT Reduction via WhatsApp Onboarding → 4 New Product Verticals Launched → 🏆 #1 at Landmark Group PM Hackathon (500+ participants) 𝗪𝗵𝗮𝘁 𝗜 𝗯𝘂𝗶𝗹𝗱: AI-driven onboarding → credit underwriting → fraud detection → collections automation — end to end, at scale. 𝗪𝗵𝗮𝘁 𝗜 𝗯𝗿𝗶𝗻𝗴: GM mindset. P&L ownership. Deep RBI, CKYC & DLG expertise. Technical foundation from 4 years in database engineering. 𝗣𝗿𝗼𝗱𝘂𝗰𝘁 𝗣𝗼𝗿𝘁𝗳𝗼𝗹𝗶𝗼: Added in the resume section - https://drive.google.com/file/d/1CWRUTQpcuDZcItas2ZJroowc-Rxo9Wph/view?usp=sharing 𝗢𝗽𝗲𝗻 𝘁𝗼: Head of Product | Director | VP Product | GPM 📧 tpashishwork@gmail.com | 📱 +91 8097891207

Location

Bengaluru

AI stack

claude code

claude

cursor

elevenlabs

gemini

lovable

Work experience

Associate Product Director at WeRize, Dec 2021 - Present · 4 yrs 9 mos, Loan Vertical | Leading: 10 Product Managers Product Organization & Governance • Organization Design & Scaling: Built and scaled a 10-PM product organization across Lending, Risk, and Platform; institutionalized OKR cadence, QBRs to enable informed decision-making at organizational level • Product-Led Growth: Scaled 2 lending products to ₹1,500 Cr+ AUM and launched 2 investment products achieving ₹15 Cr GMV in 6 months with ₹5 Cr MRR — demonstrating strong early product-market fit • Long-Term Product Strategy: Defined multi-year product roadmap across AI adoption, credit model deployment, and risk and fraud mitigation; targeting 300% profit growth and 80% efficiency improvement AI-Powered Onboarding • Straight-Through Processing: Architected end-to-end straight-through loan processing (STP) app journey — enabling fully digital disbursal in under 2 hours for ~15% of customers, generating ₹1 Cr+ in monthly profits • AI Calling Bots: Deployed AI bots achieving 30% fully autonomous onboarding, resulting in ~4 lac of monthly savings • WhatsApp bots: Launched WhatsApp onboarding journey — enabling 50% of customers to onboard digitally with ~50% reduction in average TAT Analytics • Tracking: Built end-to-end data warehousing and funnel tracking system on Snowflake and Power BI — enabling real-time portfolio visibility and data-driven decision making

Chief Product Manager at WeRize, Apr 2023 - Aug 2024 · 1 yr 5 mos, On-site, Credit Underwriting & Risk • Risk Rule Engine: Designed rule-based and bureau-driven credit risk engines — auto-rejecting 35% high-risk applicants, saving ₹20 Lac/month in credit costs and ₹3.5 Lac/month in operational efficiency • Instant Loan Offers: Integrated DS scoring model surfacing personalised real-time loan offers for ~15% of applicants at point of application, boosting approval-to-disbursal conversion by ~0.5% AI-Optimized Collections o Digital Collections o Drove ₹35 Cr/month in organic collections across customer app, WhatsApp, and NACH repayments o 25% NPA improvement via call prioritisation rules; sustained 99%+ calling attempt intensity across the portfolio o Moved pre-NACH awareness calling to AI bots - enabling 100% autonomous outreach before payment due dates o Deployed AI bots for ₹75 Cr+ post-bounce portfolio - fully automating the outreach on failed NACH payments o Field Collections – Built in-house field collections app with auto-allocation of cases, real-time agent tracking, and target monitoring — driving ~20% improvement in field collections

Senior Product Manager at WeRize, Dec 2021 - Mar 2023 · 1 yr 4 mos, Bengaluru, Disbursals & Loan Management System (LMS) • INR 1,500 Cr+ Scale: Scaled lending portfolio 10x to ₹1,500 Cr+ AUM by integrating multiple NBFC lenders with rule engine-based auto-assignment, automated LMS booking, and end-to-end digital disbursements • Lender Operations: Defined reconciliation processes and repayment configurations in LMS — achieving 95% automated reconciliation across all NBFC lender integrations

Product Manager-Onboarding & Recovery at mPokket, Jun 2020 - Dec 2021 · 1 yr 7 mos, Kolkata, • Salaried Lending: Led product strategy and go-to-market execution for salaried-segment lending; 1,50,000+ approved users in 6 months, avg. INR 1,700 ticket size. • Onboarding Optimisation: 'Call Now' feature reduced onboarding time by 20% and boosted approvals by 3% resulting in additional monthly disbursals of ~3 Cr • Attribution and Analytics: Integrated Appsflyer, Meta Pixel, Firebase, MoEngage - reduced cost per lead from INR 400 to INR 280 (30%); Did SMS optimisations to cut costs by 50%, generating INR 1 Cr incremental monthly revenue.

Product Manager at Polestar Solutions & Services India Pvt. Ltd., Mar 2018 - Apr 2020 · 2 yrs 2 mos, Noida, • Enterprise Product Management: Led and executed data-driven product initiatives for 8+ enterprise clients; managed stakeholder management across engineering, data, and client teams; delivered roadmap on time.

Database Administrator at IBM India Private Limited, Oct 2015 - Mar 2016 · 6 mos, Manyata Tech Park Bangalore

Database Consultant at Tata Consultacy Services, Oct 2011 - Aug 2015 · 3 yrs 11 mos, Mumbai Area, India

Education

Executive Program, Product Management, Indian Institute of Management, Lucknow

Master of Business Administration (MBA), International Business, Indian Institute of Foreign Trade

Public links

github: https://github.com/tpashishwork-sys