---
title: "Tp Ashish - Associate Product Director in Bengaluru | Tal"
description: "Meet Tp Ashish, Associate Director| IIM Lucknow| IIFT Delhi based in Bengaluru. AI stack includes claude code, claude, and cursor. Explore public work links including github."
image: "https://tal.club/meet/t-p-ashish/share-image"
---

# Tp Ashish on Tal

## 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

[View the original profile](https://tal.club/meet/t-p-ashish)

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