---
title: "Vishal Rai - Product Manager in Bengaluru | Tal"
description: "Meet Vishal Rai, Product Manager | Enterprise AI, Payments & Lending | XLRI based in Bengaluru. AI stack includes claude, lovable, and mistral."
image: "https://tal.club/meet/vishal-rai-1/share-image"
---

# Vishal Rai on Tal

## Headline

Product Manager \| Enterprise AI, Payments & Lending \| XLRI

## About

Product Manager with 8 years of experience across Enterprise SaaS \- AI driven Hiring platform, AI Document intelligence, Learning Management System, Fintech\(payments\), and BFSI\(lending\)\. Experienced in leading cross\-functional teams across design, engineering, data, and business to deliver AI\-driven and customer\-centric solutions

## Location

Bengaluru

## AI stack

claude

lovable

mistral

claudecode

## Work experience

Product Manager at Jio Platforms Limited \(JPL\), Aug 2023 \- Present · 3 yrs 1 mo, Enterprise AI • Spearheaded LLM\-based OCR document intelligence solution to extract fields and clauses reducing manual processing by 70% • Led an AI\-driven hiring platform by through product discovery and roadmap reducing time\-to\-hire by 35% • Introduced AI\-based skill recommendations to auto\-suggest role\-specific skills • Achieved 60% adoption in GenAI JD generation by defining structured prompt inputs enabling LLM based JD creation • Established an ML\-based JD\-CV scoring engine using cosine similarity augmented with contextual factors to auto\-rank candidates, reducing screening time by 50% and improving ATS efficiency • Launched the GenAI RAG chatbot that led to reduction in QMS tickets by 30% and implemented role\-based suggestive prompts for faster retrieval • Defined 10\+ KPIs across adoption, hiring timelines, and ML score bands, and partnered with analytics teams to deliver dashboards enabling data\-driven optimization of funnel Fintech \(Payments\) • Onboarded merchants and led integrations with PGs, wallets, OEMs driving a 20% increase in TTV increasing business uptime volume and reducing revenue loss • Drove a self\-serve Offer Engine enabling merchants to configure and launch offers via configurable rules, driving adoption and increasing platform engagement • Led TransactIQ with dashboards, insights, and alerts to monitor transaction performance, enabling faster data\-driven routing decisions across payment methods to maintain business continuity

Manager at State Bank of India, Dec 2017 \- May 2022 · 4 yrs 6 mos, On\-site, • Owned end\-to\-end credit lifecycle, including sourcing, appraisal, sanction, disbursement, and servicing of loans in the retail, SME and Agri segment • Managed a Rs\.60 Cr\+ portfolio and delivered 20% growth; driving initiatives that resulted in 3x increase in home loan growth, 2x growth in SME and 30% increase in pre\-approved digital loans • Achieved 15% reduction in NPAs through effective Loan Asset Management and proactive risk monitoring

Assistant System Engineer at Tata Consultancy Services, Dec 2015 \- Oct 2016 · 11 mos, Bengaluru, Karnataka, India, • Performed data analysis, tracked quality parameters and provided performance reports to client

Assistant Software Engineer at Tata Consultancy Services, Dec 2015 \- Sep 2016 · 10 mos, Developed frontend dashboards for Cisco to visualize operational KPIs and generate performance reports\.

## Education

Master of Business Administration \- MBA, XLRI Jamshedpur

Bachelor of Engineering, Electronics and Telecommunication Engineering, Army Institute of Technology, Pune

[View the original profile](https://tal.club/meet/vishal-rai-1)

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