---
title: "Yash Garg - Senior Product Owner in Mumbai | Tal"
description: "Meet Yash Garg, Senior Product Manager @ Axis Bank | NMIMS based in Mumbai. AI stack includes antigravity, claude code, and codex."
image: "https://tal.club/meet/yash-garg-2/share-image"
---

# Yash Garg on Tal

## Headline

Senior Product Manager @ Axis Bank \| NMIMS

## About

I build fintech products from 0\-to\-1 and scale them to millions\. As a Senior PM at Axis Bank, I own credit card digital platforms serving millions of customers, spanning lending, payments, rewards, and engagement\. Across my tenure, I've launched ground\-up products like an API\-based Rewards Orchestration Platform, a Gamified Offer Marketplace, and a Balance\-on\-EMI vertical and an internal portal for real time offers delivery, while scaling existing ones to deliver 114% YoY growth in upgrades, 21% YoY growth in revenue, and a 3\.5X ROI on campaign spends\. What sets me apart: I'm a B\.Tech \(CS\) \+ MBA who doesn't just translate between business and tech, I speak both\. I work hands\-on with SQL, Python, and A/B testing, and have built ML\-based systems \(computer vision, deep learning\), giving me a practitioner's lens on AI\-driven product decisions\. Open to conversations around fintech, growth products, and AI\-native product roles\.

## Location

Mumbai

## AI stack

antigravity

claude code

codex

hugging face

lovable

Supabase

## Work experience

Senior Product Owner at Axis Bank, May 2026 \- Present · 4 mo, Mumbai, Leading end\-to\-end product ownership of lending, spends & rewards for 7M\+ credit card customers

Product Owner at Axis Bank, Jun 2024 \- Apr 2026 · 1 y 10 mo, Mumbai, 𝟬\-𝘁𝗼\-𝟭 𝗕𝘂𝗶𝗹𝗱𝘀: \- Launched an API\-based Rewards Orchestration Platform enabling real\-time spend tracking and personalised campaigns, driving incremental monthly spends and reactivating dormant users at scale \- Built a Gamified Offer Marketplace from scratch, improving merchant offer discovery and driving 16% uplift in merchant spends and 7% MAU uplift \- Introduced Balance\-on\-EMI as a new lending vertical, reversing declining trends to overachieve annual disbursement targets \- Led end\-to\-end delivery of Swipe to Pay, an OTP\-free authentication flow reducing payment drop\-offs via payment gateway SDK integration 𝗦𝗰𝗮𝗹𝗶𝗻𝗴 & 𝗚𝗿𝗼𝘄𝘁𝗵: \- Managed ₹4000\+ Cr lending book for digital credit card customers \- Spearheaded digital\-first rewards campaigns with real\-time tracking, reactivating 30K\+ dormant users and delivering 3\.5X ROI on campaign spends \- Scaled API\-based tokenisation to 100K\+ tokens within 60 days by integrating with payment gateways, improving payment success and repeat usage \- Achieved 2X YoY growth in card upgrades through targeted UX improvements and better product discoverability \- Reduced friction in the Instant Loan journey via A/B testing, driving 21% YoY growth in revenue 𝗘𝘅𝗲𝗰𝘂𝘁𝗶𝗼𝗻 & 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲: \- Worked cross\-functionally with engineering, design, risk, legal, and business teams to deliver products end\-to\-end within timelines \- Managed stakeholders across senior leadership and operations to align roadmap priorities with business goals \- Ensured 100% adherence to RBI regulations across all digital lending journeys

AHEAD Intern at Axis Bank, Apr 2023 \- Jun 2023 · 3 mos, Mumbai, Led primary research across 8 focus groups with 80\+ stakeholders \(low income to ultra HNI\) to map insurance adoption barriers among self\-employed users; delivered personas and opportunity sizing to cross\-functional stakeholders

## Education

Master of Business Administration \- MBA, General Management, SVKM's Narsee Monjee Institute of Management Studies \(NMIMS\)

Bachelor of Technology \- BTech, Computer Science, Jss Academy of Technical Education

[View the original profile](https://tal.club/meet/yash-garg-2)

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