Varun Arora profile photo 1 on Tal

Varun Arora

Product @ Payments & Credit Cards | UPI, BNPL, Lending | Ex-Paytm, Groww, MobiKwik

Bengaluru, Karnataka

10+ years of work experience

MobiKwik
Apr 20242 yrs 4 mosPresent

Gurugram

Building impactful credit products for Bharat. 1. ZIP – Buy Now, Pay Later 2. Credit Score 3. Mobikwik First Credit Card
Paytm
Feb 20231 yr 3 mosApr 2024

Noida, Uttar Pradesh, India

1. Built & managed high-performing PM teams (4–5), scaling Subscription Platform in BBPS and Enhancing Credit Card Bill Payment experience 2. Scaled Automatic Payments from 1M → 5M mandates by launching Pay & Subscribe flow for utilities, introducing journey-based offers and optimizing bill reminders. 3. Reduced post-payment settlement TAT for CCBP from 6 hours to 5 minutes by optimizing the bill-payment funnel and routing transactions via the dedicated card network channels.
Groww
Jun 20211 yr 9 mosFeb 2023

Groww
Jun 20211 yr 8 mosJan 2023

Bengaluru, Karnataka, India

1. Launched and scaled Groww UPI to 2M users, enabling a multi-bank UPI model with advanced features; reduced TPV failure rate to 0% for in-house payments (Stocks & Mutual Funds) 2. Led Groww’s Payments division, managing 5 PMs and delivering quarterly OKRs across Collections, Payouts & Subscriptions; delivered an 8% uplift in payment success rate through improved customer comms, contextual error handling, ops efficiency, and downtime management.
Paytm
Sep 20173 yrs 4 mosDec 2020

Noida, Uttar Pradesh, India

- Built Paytm Merchant Loans onboarding for new-to-credit merchants, cutting KYC drop-offs from 50% → 30% via centralized CKYC and offline Aadhaar flows - Led Paytm Payments Bank Current Account roadmap, scaling corporate cards, FDs, and sweep-out features to 1M+ sole proprietor merchants.
Eko India Financial Services Private Limited
Jun 20152 yrs 3 mosAug 2017

Gurgaon, India

- Built and scaled a lending marketplace by onboarding 10 NBFC partners, unlocking working capital access for 15,000+ retailers. - Launched the Indo–Nepal remittance product with Prabhu Bank, creating a new cross-border revenue stream
GitHub
@vrarora1
Medium
@vrarora1

Varun’s AI Stack

antigravity
antigravity
claude code
claude code
claude
claude
obsidian
obsidian
openai
openai
ChatGPT
ChatGPT

Education

PG- Diploma in Embedded Systems, Embedded Systems

cdac

20121 yr2013

Bachelor of Engineering (B.Eng.), Electrical and Electronics Engineering

SRMSCET, BAREILLY

20084 yrs2012

Join Varun and 10k+ other professionals on

Tal Boss

Tal is the app where bosses meet engineers & builders directly, without middlemen

Download Tal Boss

Varun Arora on Tal

Headline

Product @ Payments & Credit Cards | UPI, BNPL, Lending | Ex-Paytm, Groww, MobiKwik

About

I am a seasoned Product Leader with over 12 years of experience specializing in payments, credit, and lending products at scale. Throughout my career at Paytm, Groww, and MobiKwik, I have focused on simplifying complex financial ecosystems to drive meaningful user adoption. My expertise lies in building high-performing product teams, crafting data-driven strategy, and managing the full lifecycle of complex fintech solutions, from launching UPI platforms to scaling BNPL products. I am passionate about shipping reliable, user-centric experiences that achieve measurable business outcomes.

Location

Bengaluru, Karnataka

AI stack

antigravity

claude code

claude

obsidian

openai

ChatGPT

Work experience

Associate Director Product Development at MobiKwik, Apr 2024 - Present · 2 yrs 4 mos, Gurugram, Building impactful credit products for Bharat. 1. ZIP – Buy Now, Pay Later 2. Credit Score 3. Mobikwik First Credit Card

Group Product Manager at Paytm, Feb 2023 - Apr 2024 · 1 yr 3 mos, Noida, Uttar Pradesh, India, 1. Built & managed high-performing PM teams (4–5), scaling Subscription Platform in BBPS and Enhancing Credit Card Bill Payment experience 2. Scaled Automatic Payments from 1M → 5M mandates by launching Pay & Subscribe flow for utilities, introducing journey-based offers and optimizing bill reminders. 3. Reduced post-payment settlement TAT for CCBP from 6 hours to 5 minutes by optimizing the bill-payment funnel and routing transactions via the dedicated card network channels.

Lead Product Manager at Groww, Jun 2021 - Feb 2023 · 1 yr 9 mos

Product Lead at Groww, Jun 2021 - Jan 2023 · 1 yr 8 mos, Bengaluru, Karnataka, India, 1. Launched and scaled Groww UPI to 2M users, enabling a multi-bank UPI model with advanced features; reduced TPV failure rate to 0% for in-house payments (Stocks & Mutual Funds) 2. Led Groww’s Payments division, managing 5 PMs and delivering quarterly OKRs across Collections, Payouts & Subscriptions; delivered an 8% uplift in payment success rate through improved customer comms, contextual error handling, ops efficiency, and downtime management.

Product Manager at Paytm, Sep 2017 - Dec 2020 · 3 yrs 4 mos, Noida, Uttar Pradesh, India, - Built Paytm Merchant Loans onboarding for new-to-credit merchants, cutting KYC drop-offs from 50% → 30% via centralized CKYC and offline Aadhaar flows - Led Paytm Payments Bank Current Account roadmap, scaling corporate cards, FDs, and sweep-out features to 1M+ sole proprietor merchants.

Product Manager at Eko India Financial Services Private Limited, Jun 2015 - Aug 2017 · 2 yrs 3 mos, Gurgaon, India, - Built and scaled a lending marketplace by onboarding 10 NBFC partners, unlocking working capital access for 15,000+ retailers. - Launched the Indo–Nepal remittance product with Prabhu Bank, creating a new cross-border revenue stream

Education

PG- Diploma in Embedded Systems, Embedded Systems, cdac

Bachelor of Engineering (B.Eng.), Electrical and Electronics Engineering, SRMSCET, BAREILLY

Public links

github: https://github.com/vrarora1

medium: https://medium.com/@vrarora1