Vignesh Palani profile photo 1 on Tal

Vignesh Palani

Fintech product Leader

Tamil Nadu

10+ years of work experience

Anq Digital Finserv Pvt. Ltd., Bengaluru
May 20233 yrs 4 mosPresent

Bengaluru, Karnataka, India

Launched Anq Bounties, a proprietary rewards platform enabling earning and redemption in Digital Gold, Bitcoin, and Aptos, with external wallet withdrawals to drive user engagement and retention. Scaled X Card spends to ₹15 Cr+/month by enhancing in-app debit flows, integrating NCMC, and optimizing the offer ecosystem. Built and launched Anq Lending (0→1), offering gig worker loans and BNPL for gold jewellery through HUID-linked digital hypothecation. Led development of Praxis, a tokenized debt platform for issuance, trading, and lifecycle management of debt instruments backed tokens across geographies; Led the compliance efforts to obtain CICRA, RBI DL and PCI DSS certifications. Built and shipped product components hands-on using AI and no-code tools (Claude, n8n, Bubble), including prototyping Praxis (tokenized debt platform), automating BBPS workflows, and developing lending front-end integrated with internal LOS/LMS.
Open Financial Technologies Pvt. Ltd., Bengaluru
Oct 20227 mosApr 2023

Bengaluru, Karnataka, India

Directed end-to-end product ownership for Founder One credit, virtual, and expense cards, scaling spends from ₹10.1 Cr to ₹14.7 Cr through calibrated limit optimization and billing cycle redesign. Led limit and billing construct enhancements to maximize card utilization and drive sustained spend velocity. Steered RBI compliance initiatives (Aug ’22), executing KFS rollout, OTP-based consent mechanisms, and grace period extension from 5 to 15 days.
Finnable Credit Pvt Ltd
Sep 20211 yr 2 mosOct 2022

Bengaluru, Karnataka, India

Sep 20211 yr 2 mosOct 2022

Spearheaded app and web product transformation, streamlining the onboarding funnel and reducing drop-offs by 20% through integrated eligibility and credit score checks. Introduced PL top-up offering, scaling to ₹2 Cr in monthly disbursals at ~8% conversion efficiency. Expanded DSA channel throughput from ₹20 Cr to ₹100 Cr/month by architecting high-impact incentive structures. Optimized end-to-end funnel performance to enhance acquisition efficiency and sustain DSA-driven growth.
HDFC Bank
Sep 20165 yrsAug 2021

Chennai, Tamil Nadu, India

Assistant Vice President - Financial year portfolio & Pricing Responsibilities  Driving Early activation, spends, Revolve rate, book size of credit cards sourced during the financial year  Ensure profitable portfolio through campaigns management and other segmented interventions  Manage Pricing of newly issued credit cards with respect to competition and profit and loss accounts  Revamped the customer on-boarding program by making it contextual and more focused on hygiene factors  Conceived and partially developed a portal which helps in gamification of the entire customer journey from 0 – 365 days with multiple levels and instant gratification with APIs Senior Product Manager – Diners Credit cards  Driving retail business of Diners range of credit cards via portfolio correction and Segmented interventions  Develop the products by engaging with international and domestic partners to offer new benefits to customers  Ensuring product costs are in control and managing product P&L  Ideated and Partially developed the new product of Diners Club Miles. Executed tie-ups with British Airways and Vistara for miles exchange and worked with development team to develop reward point features. This was further taken forward by my successors and launched the product

Vignesh’s AI Stack

claude code
claude code
github copilot
github copilot
lovable
lovable
n8n
n8n
Bubble AI
Bubble AI
Genspark
Genspark

Education

Indian Institute of Management, Kozhikode

Master of Business Administration (M.B.A.), Marketing/Marketing Management, General

Indian Institute of Management, Kozhikode

20092 yrs2011
National Institute of Technology, Tiruchirappalli

Engineer’s Degree, Industrial Engineering

National Institute of Technology, Tiruchirappalli

20054 yrs2009

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Headline

Fintech product Leader

About

Product leader with 10+ years of experience building and scaling financial services platforms across Payments, Cards, Lending, Wealth and regulated financial infrastructure.

Location

Tamil Nadu

AI stack

claude code

github copilot

lovable

n8n

Bubble AI

Genspark

Work experience

Head of Product at Anq Digital Finserv Pvt. Ltd., Bengaluru, May 2023 - Present · 3 yrs 4 mos, Bengaluru, Karnataka, India, Launched Anq Bounties, a proprietary rewards platform enabling earning and redemption in Digital Gold, Bitcoin, and Aptos, with external wallet withdrawals to drive user engagement and retention. Scaled X Card spends to ₹15 Cr+/month by enhancing in-app debit flows, integrating NCMC, and optimizing the offer ecosystem. Built and launched Anq Lending (0→1), offering gig worker loans and BNPL for gold jewellery through HUID-linked digital hypothecation. Led development of Praxis, a tokenized debt platform for issuance, trading, and lifecycle management of debt instruments backed tokens across geographies; Led the compliance efforts to obtain CICRA, RBI DL and PCI DSS certifications. Built and shipped product components hands-on using AI and no-code tools (Claude, n8n, Bubble), including prototyping Praxis (tokenized debt platform), automating BBPS workflows, and developing lending front-end integrated with internal LOS/LMS.

Senior Product Manager at Open Financial Technologies Pvt. Ltd., Bengaluru, Oct 2022 - Apr 2023 · 7 mos, Bengaluru, Karnataka, India, Directed end-to-end product ownership for Founder One credit, virtual, and expense cards, scaling spends from ₹10.1 Cr to ₹14.7 Cr through calibrated limit optimization and billing cycle redesign. Led limit and billing construct enhancements to maximize card utilization and drive sustained spend velocity. Steered RBI compliance initiatives (Aug ’22), executing KFS rollout, OTP-based consent mechanisms, and grace period extension from 5 to 15 days.

Head of Products at Finnable Credit Pvt Ltd, Sep 2021 - Oct 2022 · 1 yr 2 mos, Bengaluru, Karnataka, India

Head of Product at Finnable Technologies Pvt. Ltd., Bengaluru, Sep 2021 - Oct 2022 · 1 yr 2 mos, Spearheaded app and web product transformation, streamlining the onboarding funnel and reducing drop-offs by 20% through integrated eligibility and credit score checks. Introduced PL top-up offering, scaling to ₹2 Cr in monthly disbursals at ~8% conversion efficiency. Expanded DSA channel throughput from ₹20 Cr to ₹100 Cr/month by architecting high-impact incentive structures. Optimized end-to-end funnel performance to enhance acquisition efficiency and sustain DSA-driven growth.

Assistant Vice President at HDFC Bank, Sep 2016 - Aug 2021 · 5 yrs, Chennai, Tamil Nadu, India, Assistant Vice President - Financial year portfolio & Pricing Responsibilities  Driving Early activation, spends, Revolve rate, book size of credit cards sourced during the financial year  Ensure profitable portfolio through campaigns management and other segmented interventions  Manage Pricing of newly issued credit cards with respect to competition and profit and loss accounts  Revamped the customer on-boarding program by making it contextual and more focused on hygiene factors  Conceived and partially developed a portal which helps in gamification of the entire customer journey from 0 – 365 days with multiple levels and instant gratification with APIs Senior Product Manager – Diners Credit cards  Driving retail business of Diners range of credit cards via portfolio correction and Segmented interventions  Develop the products by engaging with international and domestic partners to offer new benefits to customers  Ensuring product costs are in control and managing product P&L  Ideated and Partially developed the new product of Diners Club Miles. Executed tie-ups with British Airways and Vistara for miles exchange and worked with development team to develop reward point features. This was further taken forward by my successors and launched the product

Education

Master of Business Administration (M.B.A.), Marketing/Marketing Management, General, Indian Institute of Management, Kozhikode

Engineer’s Degree, Industrial Engineering, National Institute of Technology, Tiruchirappalli