Vinit Kumar — Product Manager
I’m a Senior Product Manager with 6+ years in fintech, specializing in building and scaling credit lifecycle products that serve India’s underbanked Tier 2 & 3 markets. My passion lies in making financial products inclusive, intuitive, and AI-driven. what I drive I drive end-to-end product strategy across the credit value chain—from loan origination (LOS) and loan management (LMS) to repayments, collections, and partner ecosystems. My sweet spot is turning complex workflows into scalable, user-friendly products that deliver both business growth and customer value. Impact Delivered Scaled personal loans to ₹100Cr+/month and SME loans to ₹10Cr+/month via partner integrations & digital journeys. Launched Digital Gold achieving ₹20L+/month in purchases. Revamped collections with AI-powered WhatsApp & voice bots, lifting Day-0 recoveries from 5% → 30%, adding ₹25L/month in revenue & saving ₹10L/month. Built an AI-driven Field App scaled to 700+ agents, boosting efficiency by 25%. Automated delinquency settlement, unlocking ₹6Cr in annual revenue. Delivered ₹105Cr monthly organic collections without any manual intervention. How I Work I believe great products are built at the intersection of user needs, business goals, and tech feasibility. Data-driven decision making: SQL, Power BI, funnel analytics. AI/Automation: Solving real operational challenges with scale. Cross-functional leadership: Leading 7+ member teams across PMs, devs, analysts, QA. Areas of Expertise Product Management: Roadmap Strategy, Stakeholder Management, Agile/Scrum, A/B Testing. Credit Products: LOS/LMS, Personal & SME Loans, Repayments, Collections. Tech & Analytics: SQL, Power BI, Figma, AI/Automation, Prompt Engineering. Growth: GTM Strategy, User Research, Funnel Optimization, Partner Management. Entrepreneurial Journey Previously, I founded Tyffyntech, a food-tech start-up, scaling to 1,500+ subscribers with 90% retention in 3 months. This taught me resilience, customer obsession, and building sustainable unit economics. Let’s Connect I’m passionate about financial inclusion, credit lifecycle innovation, and AI-powered automation. If you’re working on similar challenges or want to exchange ideas, let’s connect on kvinit72@gmail.com.
Stackforce AI infers this person is a Fintech Product Manager with expertise in credit lifecycle innovation and AI-driven solutions.
Location: Bengaluru, Karnataka, India
Experience: 7 yrs 10 mos
Skills
- Product Management
- Collections Strategy
- Partner Ecosystem
Career Highlights
- Scaled unsecured loans to ₹100Cr+/month.
- Revamped collections with AI, boosting recoveries significantly.
- Founded a successful food-tech startup with high retention.
Work Experience
WeRize
Senior Product Manager (11 mos)
Product Manager (11 mos)
Associate Product Manager (1 yr 11 mos)
Senior Product Analyst (2 yrs 3 mos)
Great Learning
Data Science Intern (2 mos)
Amazon Development Center
Customer Support Manager (6 mos)
Tyffyntech
Business Owner (6 mos)
Gautam Construction
Jr Mechanical Engineer (1 yr 4 mos)
Education
at Great Lakes Institute of Management
Bachelor of Engineering - BE at Visvesvaraya Technological University, Belgaum
at Great Lakes Institute of Management
