Surabhi Soumya

Product Manager

Bengaluru, Karnataka, India8 yrs 2 mos experience

Most Likely To Switch

Key Highlights

Led digital financial product strategy and growth.
Achieved 30% YoY growth in loan portfolio.
Implemented machine learning for risk assessment.

Stackforce AI infers this person is a Fintech Product Manager with expertise in digital financial solutions and data-driven strategies.

Contact

surabhi.hansraj@gmail.com LinkedIn

Skills

Core Skills

Product ManagementStrategic PartnershipsData AnalyticsStrategic PlanningUser Experience (ux)Risk Management

Other Skills

A/B TestingAnalytical SkillsBusiness PlanningBusiness StrategyCoachingCommunicationCompetitive AnalysisCompliance FrameworkCredit Risk ModellingCustomer ExperienceCustomer RetentionDigital Loan Against SecuritiesDigital Onboarding PlatformDigital StrategyEconomics

About

Senior Product Manager with 7+ years of experience leading digital financial product strategy and growth. Expertise in driving revenue through data-driven decision making, agile methodologies, and user-centered design. Proven ability to lead cross-functional teams, manage complex product lifecycles, and deliver scalable solutions that improve customer acquisition, retention, and operations.

Experience

Tata capital

Assistant Vice President

Oct 2023 – Present · 2 yrs 5 mos · Mumbai, Maharashtra, India · On-site

Led the end-to-end management of the Digital Loan Against Securities portfolio, driving 30% YoY growth & 500 Crore loan book by implementing digital partnerships and increasing customer and security acceptance criteria.
Spearheaded the development and deployment of advanced risk assessment models leveraging machine learning and data analytics, which reduced NPAs by 20% through more accurate borrower profiling and early risk detection.
Established strategic partnerships with leading brokerages and wealth management firms by co-creating joint marketing campaigns and incentive structures, which increased referral leads by 50% and significantly expanded the customer acquisition funnel.
Directed a cross-functional team across product, credit, risk and operations to implement dynamic loan pricing models based on borrower risk profiles, optimizing pricing strategies that improved profit margins by 12%.

Digital Loan Against SecuritiesRisk Assessment ModelsData AnalyticsStrategic PartnershipsLoan Pricing ModelsProduct Management

Abhi loans

Head of Product

Nov 2022 – Oct 2023 · 11 mos · On-site

Designed and implemented a seamless digital onboarding platform with intuitive UX/UI and backend automation, cutting loan disbursal time by 25% and improving first-touch NPS by 10 points through enhanced CX.
Led cross-functional teams to iterate LAS product features based on detailed user behavior analytics and direct customer feedback, resulting in a 20% increase in customer retention and repeat borrowing.
Implemented a robust compliance and risk monitoring framework that reduced loan approval errors by 30% and ensured regulatory adherence.

Digital Onboarding PlatformUX/UI DesignCustomer ExperienceCompliance FrameworkProduct ManagementUser Experience (UX)

Alpha money

Senior Product Manager

Oct 2021 – Oct 2022 · 1 yr · Gurugram, Haryana, India

Implemented A/B testing frameworks to optimize user acquisition funnels, increasing new borrower sign-ups by 40% within six months.
Integrated third-party payment gateways and escrow services, enhancing transaction security and reducing payment failure incidents by 25%.

A/B TestingUser AcquisitionPayment GatewaysProduct ManagementUser Experience (UX)

American express

Assistant Manager

May 2016 – Mar 2020 · 3 yrs 10 mos · Gurugram, Haryana, India

Increased fraud detection accuracy by 12% on portfolios exceeding $100M using machine learning techniques.
Boosted forecasting accuracy by 15% to strengthen risk management.
Credit Risk Modelling: Developed and enhanced existing American Express statistical Models by leveraging GBM and logistic modeling techniques. Worked on the development and maintenance of Credit Risk assessment models for international markets. Exercised ownership of Germany, Netherlands, and France carrying out quarterly tracking of model performance and weekly tracking of variable trends which helped in more optimal downstream decision making.Enhanced economic logic and optimization models to maximize Through-the-Cycle returns for customer decision science.

Fraud DetectionRisk ManagementCredit Risk ModellingProduct Management