Krishna Kulkarni

Product Manager

Bengaluru, Karnataka, India11 yrs 2 mos experience
Highly Stable

Key Highlights

  • Expert in digital lending with 13 years of experience.
  • Proven track record in product management and strategy.
  • Strong focus on user experience and data-driven decision making.
Stackforce AI infers this person is a Fintech Product Manager with expertise in digital lending and user experience.

Contact

Skills

Core Skills

Product ManagementProduct StrategyUser Experience (ux)Product DevelopmentBusiness Development

Other Skills

Agile MethodologiesAnalytical SkillsCustomer ResearchData AnalysisData ExtractionDesign ThinkingGo-to-market StrategyGoogle AnalyticsManagementMarket ResearchMongoDBProduct Road MappingSQLUser Interface DesignWireframing

About

Product leader, specialising in Digital lending. 13 years of overall experience. Working remotely for Oportun - a US-based Digital lending company.

Experience

Oportun

Senior Product Manager

Jan 2025Present · 1 yr 2 mos · Bengaluru, Karnataka, India

  • Owning Lending Experience charter
Product ManagementProduct Strategy

Payu

2 roles

Senior Product Manager - PayU Credit

Promoted

Jan 2023Jan 2024 · 1 yr

  • Leading the Post-disbursal platform - LMS, Repayments & Collections - at PayU Credit (merger of PaySense & LazyPay). PaySense is our Personal loans business and LazyPay is Buy Now Pay Later (BNPL). It's powered by our NBFC - PayU Finance.
Product ManagementProduct Strategy

Product Manager - PayU Credit

Jan 2021Jan 2023 · 2 yrs

  • Built Rewards for LazyPay (BNPL & LazyCard). Rewards mainly refers to offers (merchant offers & LazyPay offers), scratch cards on every transaction and jackpot offers for reaching milestones. Focused on platformisation of Rewards i.e. rule engine to create offers, experimentation frameworks, customer communications and guardrails for offers.
  • Moved to Post-disbursal platform in 2022.
Product ManagementProduct Strategy

Shopg

Product Manager

Jan 2019Jan 2021 · 2 yrs · Bengaluru, Karnataka, India

  • Sole Product Manager at ShopG. ShopG is an early-stage social commerce startup building Group buying for Tier 2-4 cities of India, fondly called 'Bharat'. I am responsible for the entire product cycle of identifying the customer problems till the late-night sprints. I have interacted with 1000+ of our community leaders and their customers in the last two years.
  • Building for Bharat has made me focus on Design Thinking, ease of use, simple communication, Localization, and keeping the app as light as possible.
  • Key Achievements:
  • Improved Install -> Purchase conversion from 2% to 7% in a period of a year.
  • Built a strong referral cycle with the help of rewards & gamification. It's the core strength of social commerce. Our every user refers 2.5 users on an average. Achieved this within 6 months of app launch.
  • Achieved 50% DAU, 70% MAU for 'Business' section designed for our Community leaders. They're our local partners who get sales and fulfill orders.
Product ManagementUser Experience (UX)

Elanic (acquired by sharechat)

2 roles

Associate Product Manager

Jan 2018Jan 2019 · 1 yr

  • Moved to Product management role and built a by-product of Elanic which was released as a separate Mobile web product. Came up with the idea and our founders trusted me with owning the product starting from ideation, implementation and iterations. Gained deeper insights on how a product is built from scratch.
Product ManagementProduct Development

Category Lead

Jan 2017Jan 2018 · 1 yr

  • Launched the new supply vertical of SMB sellers in Elanic - a fashion e-com community with 2 Million+ members. Elanic was only into used goods before our team was formulated. Built & Led a team of ten BD executives & Account managers. We assist home businesses and small stores to sell online. Conducted 100+ seller interviews, identified problems of sellers and translated them into features within the app. Worked closely with Tech team. Our team of 8 members led by me, grew the SMB seller base from 500 to 60000+ in 2 years. Well-trained in P&L management, Vendor management, Data retrieval (MongoDB queries) and Data Analysis.
Business DevelopmentProduct Management

Mapicle

Co-Founder

Jan 2016Jan 2016 · 0 mo · Mumbai Area, India

  • Mapicle, incubated in SINE, IIT-Bombay, was an NLP-based startup working on Automatic Hierarchical summarization. We built a News summary app called NewsOwl which gained 10000+ users within 3 months. I worked on the Product & BD side of Mapicle. We discontinued the mission as we were unable to achieve more than 80% accuracy in summarization.

Zepo.in

Business Development Officer

Jan 2014Jan 2016 · 2 yrs · Mumbai

  • Zepo is a SaaS solution to help aspiring entrepreneurs to set up their online business.
  • Successfully presented Zepo to more than 4000 clients through inbound and outbound sales, with a conversion rate of 5% and achieved month on month growth of over 10%.
  • Conducted Training sessions for new joinees in BD Team. It was an enriching experience where I got to learn a lot from every new member.

Accenture

Associate Software Engineer

Jan 2012Jan 2013 · 1 yr · Bangalore

  • Took the initiative to develop SFR Data campus Tool – A Visual Tool to assess the relationship between Data tables - for the client SFR, a french telecom company. It was highly appreciated for making the decision makers' life easy.

Education

SDMCET

Bachelor of Engineering (B.E.) — Computer Science

Jan 2008Jan 2012

Sri Aurobindo PU College, Shimoga

Jan 2006Jan 2008

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