Mehul Siddhapara

Product Manager

Bengaluru, Karnataka, India9 yrs 8 mos experience
Most Likely To SwitchAI ML Practitioner

Key Highlights

  • Led digital transformation in lending and payments.
  • Developed innovative lending solutions for MSMEs.
  • Achieved significant loan book growth in one year.
Stackforce AI infers this person is a Fintech Product Manager specializing in digital lending and payments innovation.

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Skills

Core Skills

Product ManagementCredit Risk ManagementUser Experience Design (ued)UnderwritingData AnalysisOperations Management

Other Skills

A/B TestingAI/MLCredit CardsCustomer JourneysFeature TestingFigma (Software)Funnel OptimizationGo-to-Market StrategyLSQLeadershipManagementMarketing AutomationMicrosoft ExcelMicrosoft OfficeMicrosoft Word

About

💼 Product Leader | Fintech Specialist | Driving Digital Lending & Payments Innovation With 7+ years of proven experience in the product domain, I thrive in developing and scaling digital solutions for lending, credit, and payments across the financial landscape. ✅ Domain Expertise: • MSME lending, personal & business loans. • Credit lifecycle management. • SaaS product development for orchestrating lending journeys. • Banking corporate credit card integrations. 💡 Key Contributions: • Spearheaded end-to-end digital journeys for 5+ personal loan programs, focusing on seamless onboarding, underwriting, and disbursement. • Led the design and optimization of onboarding and collections flows for MSME loans, driving customer engagement and reducing default rates. •Played a pivotal role in shaping Lending Origination Systems (LOS) for both business and personal loans, ensuring compliance and scalability. •Worked as a SaaS Product Manager building orchestrated lending platforms for NBFCs and banks, facilitating digital transformation across the lending value chain. •Developed robust credit bureau products, streamlining credit pulls and deduplication to enhance underwriting precision. •Successfully connected and integrated banking corporate credit card solutions, simplifying credit access and spend management for businesses. 🚀 I’m passionate about bridging technology, finance, and customer experience to accelerate financial inclusion and innovation. Eager to connect with fellow builders in lending, credit, and embedded finance! Let me know if you’d like this further tailored or shortened for a specific use!

Experience

The muthoot group

Digital Product Manager

Mar 2024 – Present · 2 yrs · Bengaluru, Karnataka, India · On-site

  • Drove unsecured loan book growth by formulating and executing a strategic roadmap for advanced user profiling, which improved lead qualification and unlocked new cross-sell revenue streams.
  • Established and launched a robust Loan Origination System (LOS) for Business Loans from the ground up, drastically reducing approval turnaround times and increasing customer acquisition through seamless digital onboarding.
  • Developed market-leading API integrations for aggregators and digital partners, expanding Muthoot Finance’s unsecured lending distribution network and driving incremental volume.
  • Spearheaded the end-to-end solutioning and implementation of Muthoot’s first DIY Digital Personal Loan journey for both pre-approved and open market customers—enabling fully digital, instant-led loan origination and scaling the digital personal loan book from ₹0 to ₹2000 crore within one year.
  • Enabled data-driven cross-sell strategies across digital channels, increasing wallet share per customer and improving retention rates.
  • Delivered measurable business outcomes through close alignment with risk, tech, and analytics teams, directly contributing to Muthoot Finance’s leadership in the digital lending landscape.
Priority ManagementCredit CardsProduct Road MappingUnderwritingProduct Lifecycle ManagementCredit Risk Management+1

Finbox

Associate Product Manager

Dec 2022 – Jan 2024 · 1 yr 1 mo · Bengaluru, Karnataka, India · On-site

  • Leading the Lending journey Pod.
  • Working towards prioritising and shipping lending features.
  • Creating great user experiences basis the clients Target Audience.
  • Product Owner for data driven product BureauConnect which takes bureau data and builds predictors over and above the bureau predictors using AI ML algorithms.
  • Working towards No code Journey Builder.
Root CauseProduct DevelopmentA/B TestingWorkable SolutionsTechnical LeadershipProduct Planning+19

Niro

Associate Product Manager

Feb 2022 – Dec 2022 · 10 mos · Bengaluru, Karnataka, India

  • Helping Build Embeded Lending Product journeys for consumer partner platforms, Building internal Ops portal & analysing and optimising flows by doing hands on primary research and funnel analysis.
Root CauseMixpanelA/B TestingMarketing AutomationWorkable SolutionsMiro Collaboration Platform+18

Open financial technologies

Senior Product Analyst Lending

Apr 2021 – Feb 2022 · 10 mos · Bengaluru, Karnataka, India

  • Developed a unified approach product for lending with end to end digital journey which has current book value of $10mn.
  • Created admin dashboard for managing lending product which optimized the operations by 60%.
  • Managed product growth and strategy.
  • Also managed end to end lending operations.
Root CauseProduct DevelopmentWorkable SolutionsProduct PlanningUser Experience Design (UED)Customer Journeys+13

Razorpay

Product Analyst Capital

Jul 2020 – Apr 2021 · 9 mos · Bengaluru, Karnataka, India

  • Working as Product Analyst for lending arm of Razorpay i.e Capital with responsibilities relating to user research, providing summary of business metrics Churn Rate, ROMI, LTV which helped us to give better offering to the end users.
Root CauseWorkable SolutionsProduct PlanningUser Experience Design (UED)Customer JourneysVendor Relations+8

South indian bank

Assitant Manager Credit

Jun 2018 – Apr 2020 · 1 yr 10 mos · Bangalore

Root CauseWorkable SolutionsProduct PlanningQuantitative Research

Federal bank

Intern

Apr 2017 – May 2017 · 1 mo · Bengaluru, Karnataka, India

  • NPA Management

Dealberg

Intern

Nov 2016 – Dec 2016 · 1 mo

Ims learning resources pvt. ltd.

Assitant Manager

Jan 2016 – Apr 2016 · 3 mos · Nagpur, Maharashtra, India

  • Booking of Financial expenses, addressing Admissions and Marketing

Self-employed

Business Partner

May 2013 – Aug 2015 · 2 yrs 3 mos · India

Education

Christ University, Bangalore

Master of Business Administration (MBA)

Jan 2016 – Jan 2018

G.H.Raisoni College of Commerce Scince and Technology

Bachelor of Business Administration (BBA)

Jan 2013 – Jan 2016

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