Harsh Mittal

CEO

Bengaluru, Karnataka, India23 yrs 9 mos experience

Key Highlights

  • Led SpiceMoney to drive rural financial inclusion.
  • Scaled Yubi to unicorn status with innovative debt solutions.
  • Transformed Circles.Life into a fully digital telecom provider.
Stackforce AI infers this person is a Fintech and Telecommunications leader with extensive experience in product management and digital transformation.

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Skills

Core Skills

Product ManagementDigital TransformationData AnalysisEngineering ManagementTeam BuildingPlatform Architecture

Other Skills

Agile MethodologiesBig DataCloud ComputingData ManagementDebt FinancingDevOpsDigital PaymentsDistributed SystemsExecutive LeadershipFinancial ProductsHiringLeadershipPaymentsPlatform DevelopmentPre-sales

About

I am a seasoned technology and product leader with global experience across India, Singapore, the UK, and the USA, specializing in engineering excellence, product innovation, and digital transformation. In my current role as CPTO and Head of SpicePay at SpiceMoney, I drive digital payments innovation and lead large-scale technology initiatives focused on financial inclusion in rural India. Previously, I scaled startups like Yubi and Circles.Life to unicorn status, led engineering teams of 300+ professionals, and delivered globally impactful products like the Yubi Debt Marketplace, Circles X Telco OS, and Azure App Hosting Service. An IIT Computer Science graduate with a GMP from Harvard Business School, I bring a unique blend of technical depth and business acumen. With deep expertise in FinTech, particularly in payments and lending, I thrive on solving complex challenges, building high-performing teams, and delivering customer-focused innovation that drives measurable business impact.

Experience

Spice money

2 roles

Chief Product & Technology Officer (CPTO) | Head of SpicePay

Jan 2025Present · 1 yr 2 mos · Greater Bengaluru Area

  • Leading SpicePay, a neo-banking app designed for Bharat, combining UPI, PPI, and SpiceMoney’s extensive BC network to create a new product category for rural financial inclusion.
  • Driving innovation by integrating digital payments with the distribution of financial products such as insurance, investments, and credit, in partnership with fintech’s, to serve the unique needs of rural India.
  • Redefining the digital-first business model, while transforming SpiceMoney’s physical agent network into a phygital ecosystem to enhance reach and support.
  • Preparing for a pan-India launch by ensuring product-market fit through iterative innovation and collaboration with cross-functional teams.
  • Managing P&L for SpicePay, aligning growth strategies with long-term business goals and market expansion objectives.
  • Continuing to lead SpiceMoney’s digital transformation, focusing on scalable platforms, operational efficiency, and user-centric solutions.
Executive LeadershipLeadershipProduct ManagementPaymentsDigital Transformation

Chief Product and Technology Officer

Oct 2023Jan 2025 · 1 yr 3 mos · Greater Bengaluru Area

  • Spice Money is India’s pioneering rural fintech revolutionizing the way Bharat banks, with a network of 1.3 million nanopreneurs, called Adhikaris. Spice Money, with its extensive reach encompassing 237,000 villages and reaching 100 million households, has become instrumental in fostering financial inclusivity.
  • Spearheaded SpiceMoney’s digital transformation, creating scalable, cost-efficient solutions for underserved rural markets.
  • Laid the foundation for new product categories like SpicePay by aligning technology infrastructure and agent capabilities for digital adoption.
  • Transformed the physical agent network into a phygital model, enhancing customer servicing through digital tools.
  • Led engineering, product, and data teams to scale operations, improve customer experience, and reduce fraud, setting new industry benchmarks using technology.
  • Collaborated with compliance, sales, and marketing to align product roadmaps with business objectives and regulatory standards.
Executive LeadershipLeadershipProduct ManagementPaymentsDigital Transformation

Yubi

Chief Technology Officer

Nov 2020Oct 2023 · 2 yrs 11 mos · Chennai, Tamil Nadu, India · On-site

  • Yubi is India’s largest debt marketplace, connecting enterprises and NBFCs with capital providers via Loans, Bonds, Supply Chain Finance, Co-Lending, and Securitization. The platform has facilitated over $15B+ in transactions since inception.
  • Joined Yubi at its early stage (pre-Series A) and scaled it to unicorn status through strategic leadership across product, technology, and data.
  • In the first year, led Product, Data, and Engineering, establishing the platform’s foundation and driving the launch of initial offerings.
  • Hired and scaled the engineering team from 35 to 350 in under two years, building multiple levels of leadership to support rapid growth.
  • Played a key role in acquisitions, leading due diligence and post-merger integration of Spocto, while providing overall tech leadership to group companies.
  • Built a scalable, secure, and innovative platform supporting diverse debt financing products, enabling seamless adoption and $15B+ in transactions.
  • Mentored high-performing teams and spearheaded technology-driven innovation to enhance scalability, streamline operations, and strengthen Yubi’s market position.
Executive LeadershipProduct ManagementData Analysis

Meta

Engineering leader

Jan 2020Oct 2020 · 9 mos · Greater London, England, United Kingdom · On-site

  • Led multiple engineering teams in the Integrity space, focused on solving complex problems around online identity fraud and misrepresentation, enabling accountability and reducing harm across Meta’s platforms.
  • Designed and implemented scalable solutions to detect and mitigate risks, improving platform safety and trust for billions of users globally.
  • Collaborated with cross-functional teams across product, data, and policy to deliver impactful solutions in areas critical to user security and integrity.
  • Left the role and returned to India due to the challenges posed by the COVID-19 pandemic.
Executive LeadershipEngineering Management

Circles.life

Head Of Engineering

Jan 2018Dec 2019 · 1 yr 11 mos · Singapore

  • Circles.Life is the world’s first fully digital telco, disrupting the telecom industry with cloud-based automation and delivering highly customizable mobile services. Currently live in Singapore, Taiwan, and Australia.
  • Led all Engineering functions, including Backend Development, Mobile, Web, Data, DevOps, SRE, QA, and TPM, driving innovation and operational excellence.
  • Built and scaled the Engineering team from 15 to 150+ across Singapore, Bangalore, Taiwan, Australia, and Indonesia within 1.5 years, fostering leadership across regions.
  • Defined the Tech vision, strategy, and architecture, enabling Circles.Life’s cloud-first approach to disrupt traditional telco systems and deliver a seamless, customizable mobile experience.
  • Spearheaded the development of scalable, cloud-native platforms to automate legacy telco operations, ensuring agility and cost efficiency in a highly competitive market.
  • Contributed to Circles.Life becoming the fastest-growing telco in Singapore, driving aggressive overseas expansion into Taiwan and Australia.
Team BuildingLeadershipPlatform Architecture

Jio

Head of Engineering Reliance Jio Financial Innovation Group

Oct 2016Jan 2018 · 1 yr 3 mos · Bangalore

  • Led the engineering for Financial Innovation Center in Bangalore, managing a cross-functional team of 50+ engineers to develop digital payment solutions.
  • Delivered key products, including JioMoney Wallet, Jio Payments Bank, UPI solutions, Jio Tap & Pay, and Jio Coupons Platform.
  • Incubated and scaled innovative payment initiatives, driving seamless and scalable digital monetization for Reliance Jio.
Engineering ManagementProduct Management

Flipkart

Senior Engineering Manager

Mar 2014Oct 2016 · 2 yrs 7 mos · Bangalore · On-site

  • Payments & FinTech: Led engineering for Flipkart’s Payments ecosystem, managing teams across Payments, Refunds, Consumer Finance, and Gift Cards. Focused on simplifying the payments experience and making payments more affordable for users.
  • Data Platform: Built and scaled a Petabyte-scale, multi-tenant Self-serve Data Platform using an open-source tech stack. This platform powered critical applications like Seller Analytics, Financial Reporting, Fraud Detection & Prevention, and User Insights.
  • Delivered high-impact solutions, ensuring platform reliability, scalability, and seamless integration across multiple business functions.
Engineering ManagementProduct Management

Microsoft

2 roles

Product management

May 2009Mar 2014 · 4 yrs 10 mos

  • Contributed to building Azure App Services, a multi-tenant cloud-based application hosting platform, from the ground up—one of Microsoft’s largest cloud services, spanning tens of thousands of servers globally.
  • Played diverse roles, including Product Manager, Architect, and Release Manager, adapting to business needs to drive development, deployment, and scalability of the platform.
  • Defined product strategies, architected solutions, and ensured seamless release cycles to support enterprise-grade application hosting and scalability.
Product ManagementSoftware Engineering

Product management

May 2005May 2009 · 4 yrs

  • Led product management for Data Protection Manager (DPM), part of Microsoft’s System Center suite, delivering unified data protection for Windows servers (SQL Server, Exchange, SharePoint, Virtualization, and File Servers) as well as Windows desktops and laptops.
  • Defined product strategy, roadmaps, and feature prioritization to enhance enterprise data protection and ensure seamless integration within Microsoft’s ecosystem.
  • Collaborated with global engineering teams and customers to align product features with business needs and market demand.
Product ManagementSoftware Engineering

Solidcore (later acquired by intel)

Senior Software Engineer

Oct 2004May 2005 · 7 mos · Delhi, India

  • Worked on Server Solidifier, a product designed to protect fixed-function devices (e.g., ATMs) from unknown and unpatched vulnerabilities.
  • Designed and implemented solutions requiring a deep understanding of OS concepts and file system drivers.
  • Developed custom exploits to demonstrate the product’s value and effectiveness in real-world scenarios.
Software Engineering

Motorola

Software Engineer

May 2002Oct 2004 · 2 yrs 5 mos · Hyderabad, Telangana, India

  • Proposed a mobility management architecture, winning 1st place at an international symposium.
  • Developed and demonstrated innovative product ideas, including an XML-based mobile UI framework, VPN client, Mobile IP, and Text-to-Speech solutions.
  • Worked with Motorola Labs to prototype technologies like voice commands and multi-modal UI.
  • Contributed to key mobile applications, including the browser and MMS viewer.
Software Engineering

Education

Harvard Business School

General Management Program

Aug 2022Nov 2022

Indian Institute of Technology (Banaras Hindu University), Varanasi

B-Tech — Computer Science

Jan 1998Jan 2002

National University of Singapore

Internship — Computer Engineering

Jan 2001Jan 2001

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