Nov 2021 – Jul 2025 · 3 yrs 8 mos · Bengaluru, Karnataka, India · On-site

• 2023- : Lead the credit charter and all credit related products. Board member of Groww Credit Serv NBFC
• 2022- present: As CEO of GrowwPay, setup and launched Groww Payment Gateway, PA product and business + Identity / KYC Products. Led the team to secure Payment Aggregator and UPI licenses.
• 2021-2022: Setup and led the platform products such as onboarding, customer support, data, UPI payments

Jan 2020 – Present · 6 yrs 2 mos

• Invested in 10+ startups solving real world problems. Advising various startups on product management
• If you are building something interesting, let us chat karthikv.product@gmail.com

Jul 2019 – Nov 2021 · 2 yrs 4 mos · Bengaluru, Karnataka, India

• As the Head of Product for International Marketplace, Cross Border Trade and Post Purchase Experience, I manage a strong team of 20+ PMs (PMs, SPMs, GPMs) - extended team of 200+ engineers - building scalable $XB Marketplace and superior post purchase experiences - Order management, Order Transparency and Omni Returns Experience for International markets incl. Canada, Mexico and Chile.
• Earlier, Built a high-performance team of 12 Product Managers (in India, Canada and Sunnyvale) working with an extended team of 125+ engineers - across geo, 4 Program managers and 4 designers.
• Leading the following portfolio of products for Walmart Canada:
• a) Catalog, Product attribution and Catalog Quality
• b) Search / Personalisation / Recommendation
• c) Pricing and Offers
• d) Marketplace and Seller Engagement
• e) Competitive Intelligence and Analytics
• Also leading additional charter of Care products, including
• a) Customer Care Applications
• b) Customer Communications
• c) Identity and Orders
• d) Returns, Help & FAQs

Jan 2017 – Jan 2019 · 2 yrs · Bengaluru, Karnataka, India

• Leading the following product portfolio
• Content Quality Experiences
• Ads quality and fraud
• Jobs quality and fraud
• Payment fraud
• Entire LinkedIn tools
• First PM to start Global Trust & Security product team in India, working closely with teams in the US
• Grew the team to 3 PMs; handled content quality, premium fraud and operational tools
• Brought down user flagging by 45% by launching various ML classifiers for detecting spams
• Reduced PII shared in comments by 20% through proactive feedback to the users
• Reduced impression of bad ads by ~70% through proactive Account Take Over detection
• Reduced payment transactional fraud by 15% by closely working with 3rd party partners
• Established strategy & foundations for fake news detection; presented to CEO and Sr. execs

Jan 2014 – Jan 2017 · 3 yrs · Bengaluru, Karnataka, India

• Handled Catalog, seller listing management and Flipkart photo studio products
• Brought down n/w data transfer from 7 MB to ~1 MB by launching thin APIs for all functions
• Reduced catalog listing time for sellers from 108 hours to 6 hours through new workflow mgmt.
• Introduced various automation rules / ML to bring down manual catalog ops from 320 to 120 ppl
• Reduced 20% cost through crowdsourcing quality checks for high volume categories
• Introduced Catalog Quality Score & feedbacks to nudge sellers to improve their catalog quality

Jan 2011 – Jan 2014 · 3 yrs · New York City Metropolitan Area

• 8th member to join the NYC team, worked closely with CEO and COO.
• Managed support operations and product management teams.
• Working with Sales team to interact with the client in understanding specific use cases
• Perform Win-Loss analysis
• Developed a comprehensive competitive intelligence repository
• Initiated documentation for all key platform features (Product & API)
• Track each and every sprint deliverable for completeness and quality
• Identify key/popular platform features to come up with value-add enhancements

Jan 2010 – Dec 2010 · 11 mos · Chicago, IL

• Worked on product development and conceptualization startup team for developing employment software product
• Developed customer value and pricing model, embedded with the delivered value proposition
• Worked with the UI team in developing the process flow- Wire-frame User Interface (using Axure) and Database
• Delivered the prototype and received grant funding. The product is waiting for the venture funding.

Jan 2009 – Jul 2009 · 6 mos

• Led a team of 3 people, from requirement gathering to production deployment, for a 6-month development project
• Involved in Requirement translation, Solution implementation and Code review of around 10000 Lines Of Code in Java, SQL and PL/SQL
• Prepared training materials and trained employees as a part of Project Readiness Program – received ‘Thanks a Zillion’ from Practice Manager
• Delivered the project on schedule and with minimal defects, followed Agile methodology, which resulted in the Customer Satisfaction Rating of 6.5/7- received ‘Thanks a Zillion’ award from Delivery Manager

Jan 2007 – Dec 2008 · 1 yr 11 mos

• Managed a Telecom Inventory Product by providing product support and by initiating enhancement modules
• Primary customer interface in gathering and understanding the requirements, delivering product estimation and delivery
• Indirectly led and communicated with an offshore team of 4 in delivering product enhancements
• Developed an automation solution which exceeded client and company's expectations

Aug 2005 – Dec 2006 · 1 yr 4 mos

• Studied all supporting systems and integrated modules in developing an automation solution for Telecom Provisioning
• Involved in complete development cycle and implemented 60% of the solution by interacting with the customer
• Liaised with Third party product vendor in delivering product enhancements based on customer requirement