---
title: "Varun Arora - Associate Director Product Development in Bengaluru, Karnataka | Tal"
description: "Meet Varun Arora, Product @ Payments & Credit Cards | UPI, BNPL, Lending | Ex-Paytm, Groww, MobiKwik based in Bengaluru, Karnataka. AI stack includes antigravity, claude code, and claude. Explore public work links including github and medium."
image: "https://tal.club/meet/varun-47/share-image"
---

# 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

[View the original profile](https://tal.club/meet/varun-47)

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