Jul 2023 – Present · 2 yrs 8 mos · Toronto, ON · Remote

• Leading product strategy in partnership with the executive team, owning growth, adoption, execution and GTM for all products at Keep.
• Credit : Credit Card, Keep Capital, Statement Extensions
• Rewards : Statement Credit & Travel Portal
• Banking : Multi-currency Bank Accounts, Currency Conversion and International Payments

Apr 2022 – Feb 2023 · 10 mos · Toronto, Ontario, Canada · Remote

• Owned credit portfolio strategy, setting CMPU as the north star metric and aligning roadmaps with company financial goals.
• Drove Contribution Margin growth (above target) through pricing optimization, product enhancements, and cross-functional execution.
• Reduced per-unit losses
• Launched Secured Credit Building (0 → 1) to expand into new customer segments.

Mar 2021 – Apr 2022 · 1 yr 1 mo · Mumbai, Maharashtra, India · Remote

• Scaled loan book 4× through new product launches and strategic partner onboarding.
• Developed and executed Lending-as-a-Service strategy, leveraging core underwriting capabilities to generate $15M CAD disbursals in 3 months.
• Improved collection payment rate by 2–3%, reducing charge-offs and loan book losses.
• Led lender partnership negotiations to secure $20M/month capital supply.
• Launched fully automated repayments with YES Bank, improving settlement speed and customer experience.
• Delivered 2-click subsequent loan product (60% conversion rate), now the highest-rated feature, contributing 20% of monthly disbursals.
• Built and owned the annual product roadmap, aligning cross-functional teams with aggressive growth targets.

Jan 2020 – Mar 2021 · 1 yr 2 mos · Mumbai, Maharashtra, India · Remote

• Led a cross-functional pod with the goal to increase repayments resolution rate, enhance repayments experience and build a scalable solution for in-house collections team.
• Metrics Owned - Resolution Rate, Roll Rates, Loss Rate
• As a PM, my responsibilities were:
• Hiring, managing and mentoring 2 PMs
• Writing and Reviewing PRDs; encourage highest quality product specs
• Drive 3rd party Integrations : Banks & NBFCs, LOS/LMS systems, Payment Gateways
• Parterning with other fintech players to bring value to our products
• As a pod leader, my responsibilities were:
• Own quarterly planning for the entire POD including product roadmap & resource planning
• Managing upwards & downwards communication
• Driving the execution and strategy for the pod

Jan 2021 – Dec 2021 · 11 mos

• Advocated for India’s Open Banking framework (Account Aggregator) by collaborating with national banks, developing real-world use cases, and producing thought-leadership content to drive awareness and adoption.

Dec 2019 – Jan 2020 · 1 mo

• PaySense got acquired by PayU. While at PaySense, I was responsible for :
• Post-disbursal and repayment systems - ACH, payment gateways, virtual accounts
• Integration with our lending partners at the Product, Tech and Ops level.

Dec 2018 – Dec 2019 · 1 yr

Jan 2016 – Oct 2018 · 2 yrs 9 mos · Noida Area, India · On-site

• Zopper was a Point-of-Sale SaaS platform for offline merchants. Reporting to CTO, I was responsible for driving growth for Zopper POS mobile & web apps catering to ˜15000 small & medium retailers. (Zopper was acquired by PhonePe in 2018)
• Launched the 0 → 1 of Zopper Retail POS mobile app (Android and web) after the organization pivoted from e-commerce - POS subscriptions contributed to 50% of the revenue 6 months after launch
• Launched 0 → 1 of Zopper Finance - Zopper's POS based embedded finance solution acted as an aggregator for other lending companies. Achieved a loan book of INR 10 Million in 3 months after launch.

Aug 2006 – Dec 2015 · 9 yrs 4 mos · Noida Area, India

• Partnered with senior leadership to define and deliver the product roadmap for Adobe Social, focusing on features that drove adoption and engagement for enterprise clients.
• Led cross-functional delivery of high-impact features - Moderation, Sina Weibo integration, and a machine learning–based engagement predictor.
• Managed a high-performing engineering team of 5, aligning priorities with business objectives and ensuring on-time releases.
• Championed quality and scalability through the design of Python- and Ruby-based automation frameworks, reducing release cycle times.
• Acted as a public advocate for Adobe products, engaging directly with enterprise customers and the community via Adobe Forums to influence adoption and gather feedback.

Mar 2003 – Aug 2006 · 3 yrs 5 mos · Chandigarh, India · On-site

• Sr QA Engineer for multiple features of QuarkXPress.
• Mentored other team members in manual and automation domain.
• Acted as a L2 point of contact for US/Europe based customers.

Jul 2002 – Mar 2003 · 8 mos

• - Developer for Java-based module to handle SELECT queries for an in-house database product