KrishnaPhriya Mohanraj

Product Manager

Mumbai, Maharashtra, India11 yrs 3 mos experience

Highly StableAI Enabled

Key Highlights

Achieved 100% growth in product usage.
Reduced acquisition costs by 50X using alternate data.
Launched industry-first credit engagement products.

Stackforce AI infers this person is a Fintech Product Leader with expertise in digital acquisition and product innovation.

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Skills

Core Skills

Product ManagementProduct StrategyProduct Design

Other Skills

Agile MethodologiesAutomation StrategiesAutomation ToolsBusiness AnalysisBusiness DevelopmentChatbot DesignCloud-based API InfrastructureCost ReductionD2C GrowthData AnalysisDigital AcquisitionERP ModulesGTMJourney AnalyticsManagement

About

Product leader with 11+ years of experience across banking, fintech, credit bureaus, and financial services—driving digital acquisition, product innovation, and customer engagement at scale. I specialize in building scalable digital products across KYC, lending, D2C, credit engagement, and alternate data solutions. Currently leading acquisition journeys at Kotak Securities, with prior experience at Experian India and ICICI Bank, I’ve delivered outcomes such as 100% growth in usage, 50X reduction in acquisition cost through alternate data, and the launch of industry-first credit engagement products. I'm now actively upskilling in AI/ML product management—working on use cases such as LLM-powered onboarding journeys, predictive nudges, alternate data–based credit scoring, next-best-action engines, and churn prediction models—to shape the next generation of intelligent financial products.

Experience

Kotak securities

DVP - Product

Feb 2024 – Present · 2 yrs 1 mo · Mumbai, Maharashtra, India

Leading the digital acquisition and onboarding for Demat accounts across DIY and RM-led journeys streamlining multichannel engagement. Focused on scaling and reducing cost per acquisition.

Digital AcquisitionOnboardingMultichannel EngagementCost ReductionProduct ManagementProduct Strategy

Experian india

Product Manager

Jun 2019 – Feb 2024 · 4 yrs 8 mos · Mumbai Metropolitan Region

Spearheaded D2C growth: launched WhatsApp credit scores and drove D2C adoption. Created industry-first alternate data products to improve credit access for NTC users and reduced acquisition cost for clients. Led data product strategy, GTM, and built products on cloud-based API infrastructure.

D2C GrowthProduct StrategyGTMCloud-based API InfrastructureProduct Management

Icici bank

Senior Product Manager at ICICI Bank

Jun 2016 – Feb 2019 · 2 yrs 8 mos · BKC, Mumbai

Designed award-winning chatbot (iPal), driving increased engagement and self-service. Revamped InstaBiz platform, enabling 5X transaction growth and instant lending. Improved funnel efficiency and DAU through deep journey analytics.

Chatbot DesignPlatform RevampJourney AnalyticsProduct ManagementProduct Design

Metro cash and carry

Summer Intern

Apr 2015 – May 2015 · 1 mo · Bangalore

Developed automation strategies for pricing and MRP updates, resulting in a ₹1.2 Cr revenue uplift and improved margins during sale periods.

Automation StrategiesRevenue Uplift

Ibm

Application Developer

Aug 2012 – May 2014 · 1 yr 9 mos · Bangalore

Built ERP modules and automation tools for inventory and purchasing, reducing errors and improving flexibility. Recognized among top contributors with awards for quality and delivery excellence.

ERP ModulesAutomation Tools