Headline

Senior Product Manager (Payments & Growth) | Scaled UPI & Bill Payments to Millions | IIM Kozhikode

About

I work on high-scale payment products where growth, reliability, and regulation intersect. Currently a Senior Product Manager at AU Small Finance Bank, leading the payments charter for AU 0101. I own UPI, BBPS, FASTag, and payment gateway journeys across onboarding, transactions, and post-payment lifecycle. Over the last few years, my work has focused on: • Scaling UPI and bill payment transactions across large user bases • Improving activation, repeat usage, and transaction success rates through funnel-level interventions • Shipping end-to-end UPI and BillPay revamps across P2P and P2M flows • Building products under NPCI and RBI constraints without slowing down execution My strength is operating in complex systems where speed, compliance, and user experience all matter, and still delivering measurable outcomes. I’m exploring Senior Product Manager or Growth Product Manager roles in fintech or consumer tech

Location

India

AI stack

claude code

claude

ollama

huggingface

ChatGPT

Qwen

Work experience

Senior Product Manager at IDFC FIRST Bank, Feb 2026 - Present · 9 mos, Mumbai, Maharashtra, India, (Growth Product, Consumer Products) - Building onboarding and cross sell journeys, driving MoM balances at 10x lower Acquisition cost and 50% higher balances. - Building mobile app native journeys, funnel hacks to increase conversion

Senior Product Manager at AU SMALL FINANCE BANK, Sep 2024 - Feb 2026 · 1 yr 6 mos, Mumbai, Maharashtra, India, • Own end-to-end payments charter across UPI, BBPS, and FASTag for AU 0101, spanning onboarding, transaction flows, and lifecycle journeys • Drove UPI transaction growth and repeat usage through funnel optimisation, onboarding fixes, and data-led experiments • Led full-stack revamps of UPI and BillPay journeys across P2P and P2M use cases, improving reliability and success rates • Worked closely with NPCI, risk, and compliance teams to ship features aligned with regulatory requirements at scale

Product Manager at AU SMALL FINANCE BANK, Mar 2022 - Oct 2024 · 2 yrs 8 mos, Mumbai, Maharashtra, India

Senior Management Trainee at Hexaware Technologies, Jun 2021 - Feb 2022 · 9 mos, Cloud Operations - Growing Multi-Cloud adoption and strategy - Designed a modern view for Multi Cloud App Stacks, through extensive market research - Aided in developing a White Paper towards a progressive Multi Cloud Ops for MSPs

TAS Officer at TATA SONS LIMITED, Apr 2020 - Jun 2020 · 3 mos, Tata InnoVista 2020 - Tata’s in-house innovation platform - Formulated epics based on over 30 user stories, to devise a feature and execution plan - Built 11 visual UX maps, factoring over 200 data points to spotlight improvements areas

Manager at IGenPlus, Apr 2019 - Jun 2019 · 3 mos, Greater Delhi Area

Education

Post Graduate Programme, Business Administration and Management, General, Indian Institute of Management, Kozhikode

Bachelor of Computer Application, Information Technology, Vivekananda Institute Of Professinal Studies