Headline

Product Leader | Building Profitable AI/ML Products in E-commerce & Fintech | Monetization, Growth, Profitability & 0→1 Launches | 10+ Years | AJIO, Ex-Paytm Money, Deutsche Bank | IIM-A, IIT-KGP

About

I'm a Product Leader with 13+ years building and scaling high-impact products across E-commerce, Fintech, and AI/ML-powered platforms. I specialize in profitability-driven product strategy, B2B monetization, and AI-driven systems that improve customer experience while driving sustainable revenue growth. Currently at AJIO (Reliance Retail) and Shein, I lead product initiatives spanning Ads platforms, B2B vendor monetization, AI/ML personalization, and fraud intelligence—serving 80M+ monthly active users. I focus on building scalable, self-serve ecosystems and real-time systems that deliver measurable impact on conversion and margins. 🔹 WHAT I DO: Lead product strategy and roadmap for profitability, monetization, and AI/ML initiatives Build 0→1 products in regulated environments (fintech, e-commerce) serving millions of users Design and scale advertising platforms, B2B monetization systems, and AI-powered personalization Drive data-driven experimentation through A/B testing, funnel optimization, and product analytics 🔹 CAREER HIGHLIGHTS: - AJIO (Current): Leading monetization, AI/ML, and GenAI product initiatives—built advertising platforms generating substantial revenue, reduced returns through AI-powered recommendations, scaled B2B vendor monetization systems - Paytm Money: Headed Mutual Funds, Gold, and International Equities verticals, managing team of 7 PMs—redesigned platform for 1M+ customers, achieved 99% payment success rates, launched 0→1 products for global investing - Deutsche Bank: Managed €100bn+ product portfolio across global markets—built data-driven analytics infrastructure, led process automation increasing efficiency 30-40% 🔹 CORE EXPERTISE: Product Strategy & Roadmap | 0→1 Product Launches | Monetization & Growth | AI/ML Integration | B2B & B2C Platforms | Profitability & Margin Optimization | Product Analytics & A/B Testing | Fraud Detection | Cross-Functional Leadership | OKRs & KPIs | Go-to-Market Strategy 🔹 TECHNICAL FOUNDATION: Python | SQL | Machine Learning Integration | Product Analytics ( Amplitude, Google Analytics) | Real-Time Bidding Systems | API-Driven Development | Data Visualization | Agile/Scrum | JIRA, Confluence My approach combines strategic thinking, technical depth, and business acumen—bridging data, technology, and business to build platforms that scale. I thrive on solving complex problems through intelligent automation, experimentation, and customer-centric design. Let's connect if you're building products that drive business impact through AI/ML, monetization, or profitability initiatives.

Location

Bengaluru

AI stack

antigravity

claude code

claude

codex

cursor

deepmind

Work experience

Senior Product Manager at AJIO.com, Apr 2022 - Present · 4 yrs 5 mos, Bengaluru, Karnataka, India, Leading product strategy for profitability, monetization, and AI/ML across AJIO and Shein India — 80M+ monthly active users. I partner with Engineering, Data Science, Design, and Business to build systems that move conversion, retention, and unit economics. Charter: B2B advertising, AI/ML personalization, fraud intelligence, creator commerce, CRM automation, and platform infrastructure. 💰 ADVERTISING & MONETIZATION Built AJIO's programmatic ad marketplace from 0→1 — a three-sided system connecting vendors, inventory, and users. Scaled to multi-million monthly revenue. Shipped category bidding, attribution optimization, and self-serve campaign tools improving vendor ROAS and ad ROI. 🤖 AI/ML & PROFITABILITY Led AJIO's profitability charter — ML for return prediction, search ranking, and personalization. Delivered double-digit return rate reduction and measurable CVR lift. Built LLM-based review moderation pipeline (text + image) cutting moderation cost significantly. Launched AI social proof signals and size recommendation engine. 🛡️ FRAUD INTELLIGENCE Deployed real-time fraud detection with 70+ ML risk rules across customer, vendor, coupon, and payment abuse — protecting revenue across AJIO, JioMart, and TIRA. 🚀 SHEIN INDIA — 0→1 Defined product vision, MVP, and GTM for Shein India relaunch — 1M+ organic conversions, zero paid UA. Leading Encircle infrastructure migration across 500+ systems and 16 business domains. 🎨 CREATOR & SOCIAL COMMERCE Launched Shein Creator Program with Galleri5 — thousands of influencers onboarded, affiliate monetization scaled. Conceptualized AJIO and Shein Creator Commerce and influencer content integration across AJIO, Shein. 📈 GROWTH & CRM Own consolidated AJIO + Shein growth roadmap — Owning Subscription, Tiered referral, gamification, and engagement KPI for AJIO and Shein. Driving projects to move core KPIs of Acquisition, Retention and improving customer LTV

Lead Product Manager, Mutual Fund at Paytm Money, Apr 2021 - Apr 2022 · 1 yr 1 mo, Bangalore Urban, Karnataka, India, Led the investment product portfolio at Paytm Money, overseeing Mutual Funds, Gold, and International Equities. Directed a 7-member PM team to drive product strategy, growth, and monetization across acquisition, engagement, and retention. KEY ACHIEVEMENTS 💰 Mutual Funds Platform Redesign & Migration • Spearheaded complete redesign and migration of the mutual fund platform, ensuring seamless transition for millions of investors. • Integrated UPI Intent and AutoPay with NPCI, achieving near-perfect mandate success rates and minimizing payment drop-offs. • Defined product OKRs and roadmap, aligning with Paytm’s long-term financial ecosystem vision. 🏆 Gold Investment Platform Transformation • Transitioned Gold trading product into the Paytm ecosystem post-regulatory changes, ensuring compliance and operational continuity. • Implemented OTP-based Gold gifting security and launched Gold Happy Hours, driving measurable engagement uplift. 🌍 0→1 International Equities Product Launch • Built global investing platform from concept to launch, enabling users to invest in US stocks with seamless onboarding and execution. • Partnered with Legal, Finance, Growth, and Technology teams to ensure cross-border compliance and operational excellence. • Established third-party integrations and partner APIs, ensuring high scalability and reliability. 📈 Product Growth & Leadership • Defined multi-vertical product roadmap using OKRs and RICE prioritization to balance growth and regulatory delivery. • Drove double-digit MoM growth in active investors through experimentation, A/B testing, and data-driven funnel optimization. • Mentored product teams, embedding agile processes, customer-centric design, and cross-functional collaboration. Focus Areas: Fintech Product Strategy | Investment Platforms | UPI Payments & AutoPay | 0→1 Product Launch | Regulatory Compliance | Monetization & Growth | Data-Driven Experimentation | Cross-Functional Leadership

Structured Product Developer at Deutsche Bank, Aug 2013 - Nov 2019 · 6 yrs 4 mos, London Area, United Kingdom, Led product strategy and digital transformation across structured products, derivatives, and ETF platforms managing multi-billion-euro exposure. Defined automation roadmap, data infrastructure, and AI/ML-driven systems to enhance decision-making, scale operations, and drive revenue visibility across London, Hong Kong, and Mumbai. KEY ACHIEVEMENTS 💹 Product Strategy & Quant Platform Development • Owned roadmap for data-driven trading and risk platforms, collaborating with technology, trading, and risk teams to build scalable infrastructure and analytics systems. • Developed and deployed Python-based quantitative and ML models for pricing optimization and portfolio management, enabling faster, insight-driven decisions. • Contributed to €2B+ revenue impact through product innovation, automation, and improved portfolio performance. ⚙️ Automation & Process Optimization • Digitized trade lifecycle management for the €100B swaps business, achieving near-zero operational loss and 30–40% productivity gains. • Automated reconciliation, P&L attribution, and data pipelines to improve throughput and reporting accuracy. 🤖 AI, ML & Data Innovation • Partnered with quants and data scientists to build ML-driven predictive models and sentiment analysis tools for early risk detection. • Introduced ML-based market intelligence systems, improving trading desk efficiency and execution accuracy. • Helped shape Deutsche Bank’s ML adoption strategy, advocating for algorithmic risk detection and structured data enrichment. 🌍 Leadership & Talent Development • Led cross-functional team of 30+ professionals across trading, technology, and risk divisions. • Served as campus head for IIT recruitment and contributed to the firm’s re-skilling program in Python, data analytics, and ML tools. Focus Areas: AI/ML Product Strategy | Quantitative Platforms | Risk & Portfolio Optimization | Fintech Infrastructure | Data Engineering | Python & Analytics

Associate Consultant at SLC Strategy and Leadership Consulting, Jul 2012 - Jul 2013 · 1 yr 1 mo, Mumbai Metropolitan Region, Worked for Leading Australian consumer healthcare and specialty prescription brands company for Financial modeling for prescription and OTC business of the company. Understand the marketing model for OTC business and the impact of channel shift. Repositioning a popular weight loss brand to build long term defensive strategy. Worked on differential Pricing and go-to-market strategy optimizing availability and trade spends. Delivered Launch Strategy of a new drug focusing on Pricing model, Channel mix and risk model Also, I worked for a leading Indian Infrastructure Company by preparing a valuation model and the risk evaluation for the various parameters in BOT project. Built Information memorandum and Teaser’s for the company’s stake sale

Analyst at J.P. Morgan, Jan 2010 - Jul 2012 · 2 yrs 7 mos, Mumbai Metropolitan Region, Worked with US Auto and Auto Parts Equity Research Team. My work involved constructing and understanding various models for the coverage and working on publishing periodical publications. Underwent training in US to understand coverage initiation to newer companies, catering to client requests and interacting with sales team. During tenor in US, I gained hands on experience in client engagement and also, worked on initiation of our Dealer based stocks During my tenure at JP Morgan I developed skill sets for building financial models from ground up using ratio-based, comparable’s and sensitivity analysis. Worked on tasks related to research like -Involved in forecasting company financials and writing equity investment research post earnings report -Pitchbook preparation and maintenance of financial models of the coverage companies -Performed Quantitative analysis on investment thesis

Education

Master of Business Administration - MBA, Indian Institute of Management Ahmedabad

Dual Degree, Mechanical Engineering and Masters in Manufacturing Science, Indian Institute of Technology, Kharagpur