Apr 2023 – Feb 2025 · 1 yr 10 mos

• Built digital loan products (Merchant Loans, Personal Loans, Cards), improving funnels by 50–200% with leading a high-performing team of PMs/SPMs and cross-functional partners.
• Led risk-driven growth at Paytm Lending, supported a $10Bn+ loan book through robust Enterprise Risk Management (credit, operational, fraud) and system innovations.
• HIGHEST RATED (5/5) in all annual review cycles.
• Key 0→1 Initiatives:
• AI-powered Low-Code Decision Engine for dynamic risk management
• Lender Recommendation Engine to optimize user-lender matching
• Revamped credit score journeys for enhanced user experience
• Fully automated pre-approved & pre-qualified loan journeys for targeted growth
• AI models to boost risk precision and collection efficiency

Mar 2022 – Apr 2023 · 1 yr 1 mo

• Crafted super smooth user flows that brought in 4–10X funnel efficiency across key lending products.
• Built decision platforms for Paytm's lending arm, designed to be trustworthy, fast, and totally unshakeable at scale.
• Took Paytm’s credit score products from ground zero to full-blown power tools, partnering with TransUnion CIBIL, Experian, and Equifax.
• Led a rockstar team of 6 product and senior product managers, designing delightful lending journeys across BNPL (10M+ users!), personal loans, and merchant loans, while keeping portfolio performance razor-sharp.
• Consistently rated 5/5 in all review cycles

Sep 2020 – Feb 2022 · 1 yr 5 mos · Mumbai, Maharashtra, India

• B2B, SaaS, due diligence

Jul 2019 – Sep 2020 · 1 yr 2 mos

• Led the products team of Insurance vertical in a start-up like environment with >300% growth in y-o-y revenue
• Launched multiple new products initiatives in Insurance space used by some of the biggest life and general insurance companies helping them access risk, persistency and propensity of buying particular insurance products
• Streamlined operational time and cost in API and batch delivery modes of various products, improving it by 140%
• Developed 3-year business plan & strategic initiatives for the insurance vertical by forecasting PnL goals, business need and ways to leverage credit data by acting as a bridge between finance, products and analytics

Oct 2018 – Jul 2019 · 9 mos

• Developed and launched one of the most widely used income prediction model across Insurance companies & banks by leveraging bureau data and thereby reducing financial underwriting cost substantially for BFSI members
• Co-created a first of its kind mortality risk score for life insurance companies in India helping them manage claim risk & medical underwriting processes; Used by major LI companies, endorsed by one of India’s biggest re-insurer
• Developed a pre-screen model for bancassurance products helping them identify right product for right customer, thereby increasing lead to conversion rate by up to 450% and improving custom engagements
• Validated results on data across the industry retrospectively showing them lift over their existing models

Jul 2017 – Sep 2018 · 1 yr 2 mos · Bengaluru, Karnataka, India

• Predictive maintenance for fault prediction and reduce lead time
• Appointed AI leader (5/600) to train colleagues on latest AI technology
• Built software tools on Matlab to run complex simulations

May 2014 – Jul 2015 · 1 yr 2 mos · Mumbai Area, India

• Set up an alumni promoted tech accelerator run autonomously by the students
• Secured an MoU with alumni for financial aid of over INR 20 million
• Led the first ever 3-tier team to design, construct & manage the lab

Apr 2014 – Jul 2014 · 3 mos · Rome Area, Italy

• Conceptualized, modelled and simulated earth's atmospheric behaviour
• Analyzed control parameters to study chaotic dynamics of earth’s atmosphere
• Simulated thin walled beams cross section and derived essential parameters to maximize strength and durability
• Received letter of appreciation and an offer to pursue PhD for the work

Jul 2013 – Jul 2014 · 1 yr

• Headed an incubator to identify & induct innovative technical projects. Planned, mentored and supervised execution of over 120 hobbyist technical projects out of which 2 are successful product based startups.

Jun 2013 – Jul 2013 · 1 mo

• Part of a 7-member team responsible for sponsorship management and celebrity engagement of Techfest, with a Budget of INR 3mn and footfall of over 145k.