Apr 2022 – Aug 2022 · 4 mos

• Owner of 4 PODs and the associated OKRs
• Capability
• a. Built and improved core products like Account Aggregator, Perfios modules, CKYC stacks.
• b. Designed and implemented frameworks like Risk Based Pricing(RBP), Pincode, NTC experiments
• Automation: Built capabilities for Credit ops team to reduce the TAT of application verification using Data Science models
• DSA: Drove the roadmap around conversion, growth and capabilities for DSAs
• Repeat: Drove the roadmap around conversion, growth and capabilities for Repeat loans

Mar 2021 – Mar 2022 · 1 yr

• PayU Credit - Cash Loans
• PayU has several business streams, one of them being credit. I was part of the cash loan team within credit, that aims to solve the problem of not having simple, convenient and transparent access to cash credit in India
• Owner of First loan journey across channels that include Direct Marketing, Organic, Online Aggregators and Direct Selling Agents (DSAs), driving monthly disbursal number as the KPI. Drove the disbursements by 3x on DM/Organic and DSA channels, over the course of 1 year
• Owner of different originating platforms that includes App, Web, APIs, driving conversion as the KPI, by virtue of UI/UX and product innovations, increasing the product conversion by 40%
• Owner of Automation driving 2 KPIs - Green Channel and TAT, by virtue of creating user journeys and helping sales ops and credit ops team being able to assist or take decisions faster, seeding the foundation for 40% of applications going through ops less journey
• Owner of policy products assisting policy team to be able to roll out different tests, advisories, approval methods across different segments of users, driving the approval rate as the KPI, increasing the approval rates by 54%
• Owner of Repeat loans, driving monthly disbursal number as the KPI

Oct 2019 – Mar 2021 · 1 yr 5 mos · Bangalore

• Mi Credit is a personal loan platform from Xiaomi.
• I lead lending partner integrations, focussing on product conversion and loan size. I took care of acquisition, retention and engagement, thus helping Mi Credit to monetize better
• Owned critical existing partners - ABFL and Earlysalary, focusing on ​loan value, repeat journey and conversion, adding 50% of disbursals
• Launched Mi Credit's first banking partner integration - IDFC First Bank, having the shortest and fastest journey, compared all other partners on the platform; and DMI Finance, as the first line of credit partner
• Started new stream of business - ​Gift Card​ and integrated a lending partner to be able to sell Flipkart Gift cards thus adding better profit and conversion
• Owned the retention and engagement of users and built surprise based ​Referral campaign using Mi Pay stack,​ thus acquiring good users through good users
• Recognized ​Double Debit​ as one of the most painful problems of user - designed the solution thus reducing the case from 4% of repayments to 0

Aug 2017 – Sep 2019 · 2 yrs 1 mo · Bengaluru, Karnataka, India

• ZestMoney is the fastest way for all kinds of people to pay using digital EMI, without the need of a credit card or a credit score. ZestMoney work with fast-growing e-commerce businesses to help people upgrade today and pay tomorrow.
• Owned the entire customer acquisition, retention and engagement piece focusing on conversion, loan size and NPS
• Acquisition:
• 1. Revamped the authentication, enrollment(credit limit) and loan journey achieving modular approach for products
• 2. Owned the Gift Card business, optimizing using different UI/UX, thereby contributing to 60% of the revenue for the company
• 3. Launched a beta version of vernacular interaction to improve the top of the funnel
• 4. Integrated B2B cash loan product for MI credit, Oyo credit
• 5. Built UPI with IDFC First Bank as a redemption channel converting transactions into loans
• Retention
• 1. Launched risk based Personal Loan for existing good users to meet their cash needs
• 2. Built and launched ZestMoney app from scratch in phases, focusing on the repeat customers for retention
• Engagement:
• 1. Launched 2 versions of risk based gamified referral campaign to help user engage and get good users
• 2. Owned MyAccounts, a central dashboard for the users, and launched several features to help users engage better, and more importantly be aware of their credit journey
• Monetization:
• 1. Launched insurance product with Acko and Digit, where users are able to secure their loans with insurance, thus bringing company an additional revenue stream
• Followed Sprint methodology to launch features in the app
• Helped company to track all forms of journey related metrics, at page, event and flow level, thereby helping different pods to optimize existing features and build new ones
• Organized Coffee with Customers on a quarterly basis, inviting customers to interact with different teams (especially product) and capture the feedback over both structured and unstructured interviews

Mar 2017 – Sep 2017 · 6 mos · Bangalore

• We innovate boardgames designed to unravel the complexities of urban networks. These will have strong elements of research, strategy, collaboration, design, technology, childhood nostalgia and fun. Our vision is that urban stakeholders in governance, planning, policy and communities will come together and plan for better inclusive infrastructural services. Using the power of games, we will break through the event horizon of our imaginations to find solutions for pressing problems.
• Games developed:
• 1. A DAY IN THE LIFE OF -
• 2. FOUL WATERS -
• 3. TRANSIT -
• 4. SWATS -
• 5. VADA PAV -
• 6. NUTCRACKERS -

Jun 2014 – Apr 2016 · 1 yr 10 mos · New Delhi, India

• Flexing It™ is an online, curated marketplace that connects professionals and organisations for projects, consulting assignments and other short-term, part-time and flexible work structures.
• Role
• Developed overall strategy of the product and introduction of new features
• Developed strategies for monetization & optimizing customer experience
• Worked closely with various stakeholders and converting their requirements into products
• As the only PM, handled products across all the domains, driving the Scrum methodology.
• Developed a matching algorithm (a mathematical model) called FlexScore to help companies and professionals find relevant results at ease. (Patent pending)
• Worked closely with Business Development, Marketing and Product team to help them understand numbers using tools like Google Analytics and Microsoft Excel
• Products I developed:
• 1. FlexScore (a proprietary matching algorithm helping companies and professionals find relevant results)
• 2. Background Check (a process where in professionals can verify themselves or a company can verify a professional)
• 3. Feedback module (an ability for professionals to request for feedback)
• 4. Expert on call (requests for expertise through calls, meetings or workshops)
• 5. FeeBee (a benchmarking tool for consultants to understand what their peers are charging in different domains)
• 6. Pricing (developed 3 models for companies – MyFlex Prepaid, MyFlex Postpaid and SuperFlex)
• 7. Referral campaign (requesting the users for referral and incentivizing them)
• 8. Revamping of website with new design