ARYAN KUMAR

Business Development Executive

Bengaluru, Karnataka, India5 yrs 7 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

Scaled disbursement growth from ₹X to ₹15X.
Generated over ₹1,000 Crore in annual business.
Enhanced credit limits by 10-12% through innovative features.

Stackforce AI infers this person is a Fintech Product and Growth Leader with strong data-driven strategies.

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Skills

Core Skills

Product ManagementData AnalysisBusiness Systems Analysis

Other Skills

Amazon Web Services (AWS)Analytical SkillsAnalyticsBRDBusiness Analysis Planning & MonitoringBusiness PlanningBusiness StrategyData ModelingEvent ManagementExcelFunctional RequirementsLeadershipMachine LearningMachine Learning AlgorithmsMicrosoft Excel

About

🚀 Product & Growth Leader | Data-Driven Strategist | Fintech Innovator Experienced in scaling digital lending products with a sharp focus on growth, risk management, and customer-centric innovation. I’ve successfully driven disbursement growth (₹X to ₹15X), introduced high-impact features generating over ₹1,000 Crore in business, and led initiatives that enhanced credit limits and portfolio performance. With a strong analytical mindset, I specialize in leveraging data and competitive insights to shape product strategies, streamline underwriting, and unlock new business opportunities. I collaborate cross-functionally with risk, collections, and product teams to balance profitability with user experience — improving DPD/PAR metrics and boosting overall platform efficiency. I thrive in dynamic environments where innovation meets execution. From enhancing customer engagement through localized campaigns to optimizing operational KPIs, I focus on outcomes that matter — scaling responsibly while keeping the user at the core.

Experience

Kreditbee

4 roles

Manager- Personal Loan

Apr 2025 – Present · 11 mos

Senior Business Analyst

Promoted

Apr 2023 – Mar 2025 · 1 yr 11 mos

Product Growth and Expansion
Managed Growth: Scaled disbursements of a salaried personal loan product from ₹X to ₹14X,
driving significant business expansion and market penetration.
Implemented Features: Introduced salaried loan re-application features, generating ₹1,000 Crore in
annual business within the salaried loan segment.
Enhanced Credit Limits: Introduced salary re-verification features, increasing credit limits by 10-
12% and generating an additional ₹60-65 Crore in annual business.
Data Analysis and Strategic Improvement
Competitive Benchmarking: Conducted competitive benchmarking and provided
recommendations to the risk team to enhance the underwriting process for salaried customers.
Data-Driven Insights: Leveraged data analysis to identify opportunities for enhancing product
features and improving overall success rates.
Risk Management and Collaboration
Risk Balance: Worked closely with the risk team to balance risk management, profitability, and
business growth.
Product Team Collaboration: Teamed up with the product team to enhance product performance
and elevate the customer experience.
Improved Collections: Collaborated with the Collection team to enhance collection performance,
positively impacting Days Past Due (DPD) and Principal at Risk (PAR) metrics.

Business Systems AnalysisAmazon Web Services (AWS)Data AnalysisQuantitative AnalyticsAnalytical SkillsFunctional Requirements+8

Business Analyst

Promoted

Jun 2021 – Mar 2023 · 1 yr 9 mos

Customer Engagement and Market Penetration
User Base Expansion: Expanded the salaried account user base by focusing on localized product
offerings and developing targeted campaigns tailored to user behavior and needs.
Cross-Sell Campaigns: Implemented campaigns to promote cross-sell products, boosting
customer engagement and interaction.
Operational Efficiency and Performance
KPI Monitoring: Monitored platform-level KPIs to ensure optimal product performance and
seamless operations.
Issue Resolution: Resolved product-related issues and efficiently prioritized tasks to drive team
productivity and success.
Expectation Metrics: Collaborated with calling and campaign teams to define and refine
expectation metrics, improving agent performance and campaign outcomes.