Subhash Gowani

Product Engineer

Hyderabad, Telangana, India3 yrs 6 mos experience

Key Highlights

  • Drove UPI retention from 48% to 82.3%
  • Managed a ₹12 Cr/month rewards budget
  • Built innovative tech products solving real-world problems
Stackforce AI infers this person is a Fintech Product Manager with a strong focus on consumer growth and innovative solutions.

Contact

Skills

Core Skills

Product ManagementGo-to-market Strategy

Other Skills

Business StrategyC (Programming Language)CodingData AnalysisData VisualizationDesignFinancial AnalysisJavaMarket ResearchProblem DiscoveryProduct DesignProduct MarketingProduct ThinkingRRapid Experimentation

About

subhashgowani.notion.site/hello Hey 👋 This curious soul is currently passionately solving in the health care space. In past, I have had the pleasure of working at Navi and take Navi UPI to 4th largest UPI player in the India by solving for acquisition and retention. I find immense joy in inspiring my teammates and those around me to dream big, stay focused, and give their all to the mission and responsibilities we have embraced. I love to discuss anything on tech, business, product, innovations, marketing, design, anything and everything :) Please feel free to reach out to me if you found my profile interesting.

Experience

Risa

Workflow Scientist

Aug 2025 – Present · 7 mos · Hybrid

Stealth startup

Failed Fast, Learned Faster

Feb 2025 – Jun 2025 · 4 mos · Shahdol · Hybrid

  • www.ashacares.in

Navi

2 roles

Associate Product Manager - II

Jul 2024 – Jan 2025 · 6 mos · On-site

  • 2024
  • PM - Referral and Rewards (Consumer Growth Team)
  • Led UPI retention from 48% to 82.3%, driving Navi to 4th-largest UPI app with 1.5% market share (0.5 pp above target).
  • Owned Referral & Rewards roadmap, managing an 18-players squad to design and launch a rules-based, segmentation and ML-powered platform processing 200 Mn+ transactions/month.
  • Integrated the platform end-to-end with data-science models, segmentation services, homepage OTA, experimentation framework and comms channels to enable seamless A/B testing and GTM rollouts.
  • Led Ideation to outcome of several gamified consumer journeys, scratch cards, tiered cashback, assured-reward drops and festive campaigns, across UPI and bill-payment flows.
  • Managed a ₹12 Cr/month rewards budget and led an abuse-prevention squad of 5 players, blocking misuse to save ₹3 Cr/month leveraging abuse prevention engine.
  • Ran weekly and bi-weekly GTM and metrics reviews with UPI, BBPS and Personalization pods, ensuring alignment on progress, learnings and next steps.
  • Executed 100+ rapid A/B experiments and built SQL/Metabases dashboards to track KPIs, accelerate learning and power quick iterations with a Rapid Experimentation Squad of 6 Players.
  • A journey filled with courageous and bold bets played in the Fintech space for primarily middle-class Indians and truly making finance simple, accessible and affordable to them.
Product ThinkingProblem DiscoveryDesignRapid ExperimentationGo-to-Market StrategyBusiness Strategy+9

Associate Product Manager - I

Jun 2023 – Jul 2024 · 1 yr 1 mo · On-site

  • Jun 2023 - Feb' 2024
  • PM - Homepage & Personalization (Consumer Growth Team)
  • Built a plug-and-play Navi One Profile PAN KYC platform unifying identity across 5 BUs, eliminating duplicate/fraudulent profiles, cut verification costs by 40 %, and lifted conversion by 5.3 % in Personal Loans and 9.8 % in Investments.
  • Orchestrated Navi’s largest launch, aligning 80 engineers, 6 GPMs/SPMs, 6 PMs, 4 designers, and several cross-functional partners across Legal, Risk, Analytics, Support, Business and Hindsight to hit cross-sell and fraud-mitigation targets.
  • Rolled out OTA Personalized Homepage with segmentation; delivered 8 % Personal‑Loan growth & 10 % lift in UPI activations.
  • Established segmentation service powering lifecycle-based cohorts for Growth & BU teams, enabling personalization at scale.
  • Introduced in‑app notifications, boosting UPI onboarding by 1.55x and adding 15K incremental monthly loans volume.
  • My first full-time job, a dream come true with an opportunity to build innovative tech products that solve problems at scale.
Product ThinkingDesignGo-to-Market StrategyProduct ManagementStakeholder ManagementData Analysis

Flipkart

Analyst Intern

Jan 2023 – Jun 2023 · 5 mos · Bengaluru, Karnataka, India · Hybrid

  • 2012, the year I started using Flipkart and was amazed at how it was shaping India's startup ecosystem & bringing us on global stage. 11 years later, I had the opportunity to be a small part of this incredible journey.
  • I also got to visit their Bangalore Fulfilment Center, what an experience. :)

Navi

Product Intern

Jul 2022 – Dec 2022 · 5 mos · Bengaluru, Karnataka, India · On-site

  • 4 years at BITS experimenting just fuelled my dream of starting up. Product Management path felt like the perfect start to learn how to build scalable tech products, as they say you're the CEO of your product, I lived by it :)
  • Built an in-house Manual Annotation Platform, scaling to 25,000 daily annotations & Co-led the Payments Charter, streamlining transactions across business units and optimising payment systems.

Tortoise

Product Intern

Jun 2022 – Jul 2022 · 1 mo · Gurugram, Haryana, India · On-site

  • My first small one-month office work experience at a super-duper fast-paced startup with an awesome team :)

Nextleap

APM Fellow

Feb 2022 – Mar 2022 · 1 mo

  • Just doubling down on experiment result of trying out what I actually want to do!
  • An awesome hands-on 6 weeks filled with several case studies around understanding core consumer problem & solving it the right way!

Spark studio

Product Intern

Jul 2021 – Jul 2021 · 0 mo · Remote

  • Experiment stint

Placement unit, bits pilani, hyderabad

Placement Coordinator

Apr 2021 – Apr 2022 · 1 yr

  • My way of giving back to the institute, friends & my batchmates in helping them achieve their dream professions. They jointly shaped me during those five years! :)
  • Led a team of 26 coordinators to improve placements and training for 1,200 students.
  • Increased training engagement by 200% through structured programs, contests, and incentives.
  • Achieved a 96% placement rate by optimizing recruitment processes and company outreach.

Stealth startup

Builder

Jun 2020 – Sep 2020 · 3 mos · Shahdol, Madhya Pradesh, India · On-site

  • Tried building an application to help MSMEs in my small town establish an online presence during the lockdown, enabling them to continue operations and offer home delivery. A solo failed attempt to try out something. Researched, wrote, designed, coded, a small side project.

Pramerica life insurance

Marketing Intern

May 2020 – Jun 2020 · 1 mo · Gurgaon, Haryana

  • Experiment Stint

Education

BITS Pilani, Hyderabad Campus

Master of Science - MSc — Economics

Jan 2018 – Jan 2023

BITS Pilani, Hyderabad Campus

Bachelor of Engineering - BE

Jan 2018 – Jan 2023

Maharishi Vidya Mandir Senior Secondary School

Mathematics

Jan 2015 – Jan 2017

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