Headline

Product Manager @ mPokket | FinTech | Subscriptions, Monetization, AI-powered consumer products | Payments, Reconciliation, Ad-tech | IIT Delhi DMS + IIT BHU

About

I'm a Product Manager at mPokket, an NBFC serving young professionals in India. My work spans credit-adjacent consumer products, subscription monetization, payments and reconciliation, and ad monetization. My path here was indirect. Mechanical engineering at IIT-BHU → US fixed-income futures trading at ARB → an EdTech stint at Cracku → MBA at IIT Delhi DMS → healthcare-tech PM at Innovaccer (US market) → FinTech PM at mPokket. I'm at my best on systems-heavy product work: payments, reconciliation, monetization infrastructure. I've shipped two 0→1 credit-adjacent consumer products end-to-end — a credit card recommender (combining bureau data, lending-profile inputs, and AI-driven personalization, monetized via affiliate commissions) and an LLM-driven credit-score-improvement product on recurring subscription — designed the subscription, engagement, and cross-app referral layers for an in-house career and upskilling product, scaled ad-monetization revenue through demand-partner integrations and format expansion, and rebuilt a reconciliation pipeline on Alteryx + Databricks to close audit gaps. Earlier at Innovaccer, drove ARR through self-serve SSO and SCIM-based provisioning automation as Product Owner for Identity, Audit, and Platform Configuration.

Location

Bengaluru

AI stack

antigravity

claude code

codex

langchain

lovable

n8n

Work experience

Product Manager 2 at mPokket, Apr 2026 - Present · 6 mos

Product Manager 1 at mPokket, Apr 2025 - Mar 2026 · 1 yr, On-site, Lead PM for non-lending products at mPokket — credit-adjacent consumer products, subscription monetization, and ad-tech. Built a 0→1 LLM-driven credit-score-improvement product on recurring subscription, integrating monthly bureau pulls and personalized credit-factor-based action plans. Added multi-PG redundancy to the subscription stack; built engagement and cross-app referral layers for an in-house career and upskilling product, including AppsFlyer + Google API cross-backend attribution. Ran sequential pricing experiments across multiple price tiers and user cohorts to identify revenue-optimal pricing per product. Scaled ad-monetization revenue through demand-partner integrations, mediation backfill, format A/B testing, and inventory expansion across new in-app touchpoints. Built internal tooling for the non-lending revenue stack — a customer-experience CRM and a finance dashboard with order-level invoicing and payment-status reconciliation.

Senior Associate Product at mPokket, Jul 2023 - Mar 2025 · 1 yr 9 mos, Bengaluru, PM ownership across the lending journey and the launch of mPokket's non-lending product line — disbursal, reconciliation, bank integrations, and the first 0→1 credit-adjacent products. Built mPokket's first 0→1 credit-adjacent consumer product — a credit card recommender combining bureau data (via Signzy/Equifax), lending-profile inputs, and AI-driven personalization, monetized through one-time payment plus downstream affiliate commissions. Built mPokket's subscription monetization stack — recurring autopay on UPI Autopay, Juspay and Paytm integrations, refundable trial mechanism, and payment-failure handling — establishing recurring revenue as a standalone business line. Led the revamp of the loan disbursal journey — collapsing the flow into fewer steps, embedding compliance and fraud checks pre-sanction, and lifting funnel conversion. Built the disbursal-repayment reconciliation pipeline on Alteryx + Databricks, and built a self-service loan-book generator that freed data-engineering bandwidth. Onboarded a new disbursal bank partner across disbursal, status, statement-recon, and callback APIs — replacing a higher-cost partner stack.

Associate Product Manager — Platform (IAM, Audit, Configuration) at Innovaccer, May 2022 - Apr 2023 · 1 yr, Noida, Two internships during MBA: Jun – Aug 2021 (customer-feedback tooling) and Nov 2021 – Jan 2022 (Identity & Access Management). Developed OKRs and the Q1 2022 + annual product roadmap for the Identity & Access Management team. Shipped Time-based OTP multi-factor authentication for the platform's largest enterprise client, including admin reset, UI enable, and user whitelisting capabilities. Built a configurability tool for the in-product user feedback system, enabling differentiated targeting between new and returning users. Created a Personal Representative flow for patient data-access delegation, addressing a healthcare compliance requirement.

Product Management Intern(Healthcare Tech - US) at Innovaccer, Jun 2021 - Jan 2022 · 8 mos, Noida, Developed OKRs and created the Q1 2022 and annual product roadmaps for the Identity and Access Management team Implemented TOTP-based multifactor authentication for our largest client by annual recurring revenue (ARR)

Content & Product Manager(EdTech) at Cracku, May 2019 - Jul 2020 · 1 yr 3 mos, Hyderabad Area, India, Managed content strategy and the launch of lectures and mock tests across competitive exams — Railways, SSC, and CAT. Shipped user-facing features including real-time doubt resolution and test analysis. Led product enhancements to the in-house content management platform used by the content team.

Research Analyst at ARB Trading Group, May 2017 - Sep 2018 · 1 yr 5 mos, Mumbai Metropolitan Region, Researched and executed trading strategies in US Treasury and Eurodollar futures and Canadian government bond markets. Managed PnL and risk for assigned strategies.

Education

Bachelor’s Degree, Mechanical Engineering, Indian Institute of Technology (Banaras Hindu University), Varanasi

Fulltime MBA, Department of Management Studies, IIT Delhi