Headline

Senior Product Manager | Global Lending & Credit Platforms | Onboarding Experience, Risk, Pricing & Growth | Fintech | IIT Kharagpur

About

I’m a Senior Product Manager with 7.7+ years of experience across product, analytics, and engineering, building regulated fintech products for global markets. At MPOWER Financing, I’ve led 0→1 and scale initiatives across pricing, underwriting, onboarding, borrower lifecycle, and growth, delivering multi-million-dollar impact while balancing business goals, risk, compliance, and customer experience. I specialise in turning complex financial workflows into scalable product experiences. I've unlocked new markets, improved conversion, strengthened decisioning and operational efficiency, and built customer journeys that perform across international segments. What I do best: • Build and scale fintech products in regulated environments • Lead 0→1 and growth-stage initiatives across pricing, onboarding, and lifecycle experiences • Use data, experimentation, and customer insight to drive product decisions • Align engineering, analytics, design, operations, and business teams around execution I’m most excited by product problems where strategy, execution, customer experience, and control all need to come together.

Location

Bengaluru

AI stack

antigravity

elevenlabs

gemini

lovable

claudecode

huggingface

Work experience

Senior Product Manager at MPOWER Financing, Oct 2023 - Present · 2 yrs 11 mos, Leading product strategy and execution for regulated lending experiences across platform, application, dashboard, underwriting, pricing, and borrower lifecycle systems. Key highlights: • Led the 0→1 launch of a flagship lending product for U.S. citizens, taking it from concept to launch and defining key product trade-offs across pricing, underwriting risk, and customer experience • Built location-tracking infrastructure to support MPOWER’s lending model and strengthen borrower visibility post-disbursement • Owned product improvements across platform, application, and dashboard experiences while enhancing core systems such as underwriting and pricing

Associate Product Manager at MPOWER Financing, Sep 2021 - Sep 2023 · 2 yrs 1 mo, Stepped into product ownership and led multiple 0→1 and scale initiatives across eligibility, referrals, underwriting automation, and growth journeys, contributing to $450M+ in applied loan volume and major improvements in operational efficiency. Key highlights: • Launched a 0→1 pre-eligible application product for early-stage students, unlocking $85M+ in net-new applications and reducing onboarding drop-off by 18% • Scaled instant underwriting decisions from 26% to 63%, reducing approval times and freeing analyst bandwidth during peak periods • Built and scaled the student referral channel from $4M to $70M in annual disbursements; the channel now contributes about 20% of total company disbursements • Designed and launched the Ambassador program across 14 countries, driving 3× application growth through localized acquisition and influencer-led strategies • Led user persona development and market segmentation that informed product roadmap priorities and country-level go-to-market decisions

Product / Data Analyst at MPOWER Financing, Aug 2020 - Aug 2021 · 1 yr 1 mo, Built the analytics and decision-support foundation that improved conversion, operational efficiency, and product visibility across lending workflows. Key highlights: • Architected a Product Intelligence Suite integrating funnel analytics, churn modelling, and conversion tracking, recovering $3M+ in revenue and increasing conversions by 35% • Automated validation pipelines that reduced data quality errors by 40% and enabled $12M+ in loan volume with 99.2% accuracy • Built queue-prioritisation algorithms that reduced bottlenecks by 45% and SLA breaches by 15% • Used experimentation and customer feedback to improve eligibility submission by 28% and support market expansion decisions • Enabled stronger data-informed decision making by training 65+ cross-functional stakeholders on Salesforce Analytics, achieving 90% completion and 4.8/5 CSAT

Business Analytics Intern (Awarded a Pre-Placement Offer) at MPOWER Financing, May 2019 - Jul 2019 · 3 mos, Bengaluru Area, India, Delivered $2M+ in operational savings by architecting data infrastructure solutions and predictive models that transformed financial risk management and reporting accuracy for 10,000+ student loan applications. • Data Infrastructure Overhaul: Engineered comprehensive data dictionary and automated reporting templates, reducing analysis time by 60% and eliminating manual errors across 5 cross-functional teams (Operations, Marketing, Risk, Customer Success) • CRM System Optimization: Identified data integrity issues in Salesforce CRM, leading to enhanced reporting accuracy. • Built an Excel model to track revenue loss when Salesforce crashed - figured out how much money we were bleeding during outages by connecting downtime hours to missed loan conversions, helping reduce surprise losses by 15% and giving leadership actual numbers instead of guesswork.

Winter Internship at TAI School, Dec 2018 - Dec 2018 · 1 mo, Bengaluru Area, India, Joined TAI School’s strategy team to identify outreach gaps and create scalable marketing assets. • Conducted gap analysis that led to the discovery of three new marketing avenues, boosting outreach. • Created a marketing handbook that improved onboarding efficiency for new team members. • Spearheaded student events that increased student enrollment by 15%, fostering a sense of community.

RPA Developer - Automation & Process Design (Seconded from Infosys) at EdgeVerve, Jun 2017 - Jul 2018 · 1 yr 2 mos, Bangalore, Designed and deployed automation flows for banking clients, improving process efficiency and shaping early exposure to enterprise financial workflows. Key highlights: • Automated client workflows that reduced operational costs by 20% • Built demos that helped secure 3 new project contracts worth $2M+ in revenue • Collaborated with cross-border teams to improve technical documentation and delivery consistency

System Engineer at Infosys, Jul 2016 - Jul 2018 · 2 yrs 1 mo, Karnataka, India, Worked on core banking systems for a major U.S. bank, building early experience in transaction processing, production reliability, and regulated financial infrastructure.

Education

Master of Business Administration - MBA, Business Administration and Management, General, Indian Institute of Technology, Kharagpur

Inclusive & Immersive Experiential Learning Program(I2XL), Business Administration and Management, General, Singapore Management University