Headline

Product Manager@PineLabs | YC, Sequoia | Fintech Infra, Payments, Lending, UPI | National Badminton Player

About

I’m a 0→1 product builder with a focus on Product Management & Entrepreneurship. I bring deep operator context, product market fit instinct, and pattern recognition shaped by building from scratch. I know what it looks like when something real starts to move - and what it feels like when it doesn’t. At Pine Labs, I lead the Offline Devices initiative(POS, terminals),, spearheading the end-to-end development and successful launch of next-generation payment solutions tailored for B2B merchants. At CARS24, I built and scaled the core parts of the lending stack. Before this, I was the first PM at Decentro, a YC-backed fintech infra company. I launched payments and onboarding systems now used by some of India’s top AI-first and consumer platforms. I was a Venture Fellow at the Venture Institute by VC Lab, a global cohort of emerging investors from 60+ countries. We study venture firm building, early-stage investing, and how to support founders where it actually counts. I’m especially drawn to teams building in fintech infra, agentic workflows, vertical AI, consumer internet, and applied edtech. These are spaces I’ve worked in, thought about, and want to bet on. I’ve worked on B2B and consumer products where nothing was figured out - no users, no roadmap, just pressure. I’ve sat between compliance, engineering, and founders, and built things that reached scale. I don’t ship for the velocity. I aim to reach product-market fit. If you’re building, investing, or thinking through anything in this space — or want to jam on startups, psychology, philosophy, or physics — reach out: vrajmodi12@gmail.com

Location

Bengaluru

AI stack

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codex

elevenlabs

opencode

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Work experience

Product Manager II at Pine Labs, Apr 2026 - Present · 5 mos, Bengaluru, Building the Next-Gen AI & Payments Stack at Pine Labs

Venture Fellow at VC Lab, Aug 2025 - Oct 2025 · 3 mos, United States

Senior Product Manager at CARS24, Mar 2025 - Mar 2026 · 1 yr 1 mo, Gurugram, All things fintech@ CARS24

Product Management Consultant at Self-Employed, Nov 2022 - Feb 2023 · 4 mos, United States, 1. Consulted a Stanford-based ed-tech stealth start-up, driving user research initiatives that unveiled crucial pain points and solutions, shaping a groundbreaking product strategy. 2. Led a comprehensive product discovery for an urban E-laundry start-up in India, collaborating closely with stakeholders to identify market opportunities and refine the product vision. 3. Facilitated qualitative insights through in-depth interviews for a Silicon Valley start-up, navigating user research initiatives to pinpoint key pain points and innovative solutions. 4. Guided diverse start-ups to success by leveraging a combination of user-centric methodologies and comprehensive product discovery processes. Ready to bring transformative strategies to your team.

Product Manager at Decentro, Oct 2022 - Mar 2025 · 2 y 5 mo, Greater Bengaluru Area, Led the PA licensed payments suite for clients including payments, settlement, reconciliation.

Education

B.tech, Power Electronics, Vishwakarma Government Engineering College Chandkheda