Aug 2023 – Apr 2025 · 1 yr 8 mos · Bengaluru · On-site

• Web3 payment and onboarding infrastructure provider, simplifying user access to cryptocurrencies and NFTs.
• Web3, Payments, Fintech
• #B2C #B2B2C #Widget #Apps #Android #iOS #Web
• Drove the business and technology vision for a global payments platform (40% of GTV/ $200 mil); owned the roadmap and led a global team to ship data-driven features in a complex regulatory landscape.
• Payment Rail & Conversion Optimization:
• 1. Identified high payment failure rates as a key revenue bottleneck, and re-architected European bank transfer rails (SEPA, Faster Payments) to drive a 22% conversion uplift, directly impacting $24M in annualized GTV.
• 2. Led the 0-to-1 US market entry for bank transfers (Wire & ACH), managing the entire product lifecycle from partnership and POC development to GTM and delivering $4.8M+ in annualized GTV in the first six months.
• 3. Boosted "first added US Card" Transaction success through BIN-history success based nudges and pre-filling, driving ~$670k in annualized GTV.
• KYC & User Onboarding Conversion:
• 1. Tackled a critical user drop-off point in the KYC funnel by designing a dynamic, multi-step onboarding flow that adapted to real-time user inputs, increasing "KYC-to-Order" conversion from 37.5% to ~52% (impacting ~$2.5M+ GTV).
• 2. Increased KYC completion by 1.1% by optimizing the funnel (welcome skipping, sticky CTAs, SDK updates), resulting in an annualized GTV increase of ~$540k.
• B2B Tools & Platform Infrastructure:
• 1. Built a self-serve pricing platform that enabled partners to create and manage dynamic discount campaigns based on user attributes, driving over $1M in incremental annual GTV.
• 2. Established the company's user analytics infrastructure from scratch using Mixpanel, enabling data-driven decision-making across the organization.
• 3. Improved Partner NPS by implementing a query param based server-driven UI-like Dark Mode theming system, allowing B2B widget customizations without a formal design system.

Aug 2021 – May 2023 · 1 yr 9 mos · Bengaluru · On-site

• Company operations ceased April 2023
• ZestMoney was India's leading consumer lending fintech for new-to-credit users, aiming to provide financial access to 300 million underserved households.
• Industry: BNPL (Buy Now Pay Later), Consumer Finance, Fintech
• #B2C #Apps #Android #iOS #Web
• Role: Product Manager II - Lead for Universal Acceptance Pod
• Key Responsibilities & Achievements:
• 1. Led a cross-functional pod of 15 (Engineering, Design, Analytics) to define product strategy and deliver on a roadmap focused on user engagement and transaction growth.
• 2. Owned the lifecycle for 0-to-1 credit products across mobile and web, from discovery and ideation to GTM and scaling.
• 3. Managed prioritization and trade-offs, balancing user-centric features with technical feasibility and the needs of internal risk and compliance stakeholders.
• Engineered a 0-to-1 BNPL Bill Payments Platform as a Strategic Data Asset
• 1. My pod was tasked with making Zest's credit line a daily utility. Through a data-driven discovery process (mapping user cash flows), we identified bill payments as a critical, high-frequency use case.
• 2. Architected and scaled the product to ~$5.76M in annualized GTV and 520k annual payments, achieving 60% adoption and a 45% repeat rate.
• 3. Crucially, this product was designed as a strategic asset. The bill payment and repayment behavior generated a rich, non-traditional dataset that served as a key input for the company's core AI/ML credit underwriting models, strengthening the entire lending platform.
• Launched a Virtual Credit Card to Expand the Platform Ecosystem
• 1. Led the development of a virtual card, expanding our BNPL acceptance network. This involved partnership with a prepaid payment instrument provider and deep integration with our existing loan management system to power a seamless UX for 1.2M MAU.
• Skills: AI/ML Product Strategy · Product Management · Data-Driven Roadmapping · System Design · Growth Strategy · Stakeholder Management · A/B Testing · SQL

Jan 2020 – Jun 2021 · 1 yr 5 mos · Mumbai · On-site

• Industry: Adtech (Print Ads, Digital Ads & Alliances)
• #B2C #Website #Analytics
• Contribution & Impact**
• Increased Revenue & User Engagement:*
• 1. Led the revamp of the online classifieds portal, focusing on UX/UI, customer journey, and competitive pricing packages.
• 2. Implemented CIS (consumer incentive schemes) to boost average ticket size by 30%.
• 3. Increased monthly unique visitors by 67% (12k to 20k) and monthly bookings by 4x.
• 4. Reduced bounce rate by 4% and improved lead conversion rate by 1.7%.
• 5. Optimised data-driven revenue strategies, decreasing CAC by 30% and increasing monthly recurring revenue by 3x.
• Strategic Alliances & Growth:*
• 1. Established strategic partnerships across print, digital, cinema, influencer marketing, OOH, radio, SMS/WhatsApp marketing.
• 2. Onboarded and managed key partners, contributing INR 50 Lakhs (30% of topline) from alliance inventory sales in North and East regions.
• 3. Owned national influencer marketing program, including onboarding, training, and sales funnel optimization.

Jan 2019 – Jan 2019 · 0 mo · Mumbai Area, India

• Industry: Events, Online Leads, Wedding Business
• #B2C #Android #iOS #Lead Conversions #Analytics
• Contribution & Impact**
• Increased Conversions & Efficiency:*
• 1. Led initiatives (e.g., Owner MoMs, high-value offerings) to significantly improve Lead-to-Conversion ratio.
• 2. Partnered with Uber (pilot cities) for complimentary cab services, enhancing customer experience and lead generation (increased Lead-to-Visitor ratio).
• 3. Implemented "Sweet-Spot" lead strategy (20-40% of leads driving 80-100% of NRV & bookings), boosting Visitor-to-Conversion for pilot venues.
• Data-Driven Leadership & Optimisation:*
• 1. Managed a team of 6 analysts, enabling data-driven decisions across departments.
• 2. Designed & implemented an incentive structure for the sales team pan-India, reducing payouts from 5% of net NRV to less than 2%, while maintaining performance.
• 3. Built a target-setting model for 1200+ venues considering trends & venue types.
• Improved Customer Satisfaction & Retention:*
• 1. Piloted initiatives to reduce booking drops and increased Visitor-to-Conversion to 26% (NRV < 4 Lakhs).
• 2. Developed fill-rate tracking reports, aiding in optimizing booking strategies.

Jan 2017 – Jan 2019 · 2 yrs · Bengaluru Area, India · On-site

• Industry: E-commerce & Retail Stores
• #Product Analytics #B2C #Retail and Marketing Analytics
• Contribution & Impact**
• Enhanced Store Performance & Profitability:*
• 1. Led the analysis of marketing and store data (Sears/Kmart) across channels (direct mail, offers) using dashboards (Excel, Tableau).
• 2. Identified actionable insights that significantly influenced YOY EBITDA trends.
• 3. Developed and implemented daily performance dashboards for new stores, enabling data-driven decision-making.
• 4. Streamlined project transitions from vendor (Wipro) to internal teams, ensuring continuity and efficiency.
• Improved Vendor Management & Marketplace Operations:*
• 1. Helped manage the relationship between Sears and 300+ marketplace vendors.
• 2. Designed and implemented a VIP ticketing tool to expedite vendor issue resolution within 24 hours (SLA improvement).
• 3. Mentored and onboarded interns, fostering their development into full-time employees.
• Strong Collaboration & Communication Skills:*
• 1. Facilitated cross-functional collaboration between internal teams.
• 2. Maintained clear communication with both internal and external stakeholders while meeting deadlines.

May 2016 – Jun 2016 · 1 mo · Duliajan

• As a field engineering intern, I provided crucial on-site support to lead engineer - managed client and crew at rig site.
• 1. Increased the efficiency of pre-job and post-job operational checks for different tools bycompiling the FIT(Fast Inspection of Tools) sheets of over 80+ tools ; made the FIT trolley functionable thereby assisting the company in reducing the time for op-checks.
• 2. Acquired an overview of the technology and the basic tools used in the Wireline segment for providing oil services. Analyzed the functioning and the principle of working of PEX-HRLA(measures parameters like resistivity, porosity, density and does directional survey) tool.

Aug 2015 – May 2016 · 9 mos · IIT Guwahati · On-site

• 1. Organized GD sessions, mock interview sessions and preparatory lectures with support from faculty, department seniors and alumni.
• 2. Acted as a bridge between the Placement Cell and the students of the department.
• 3. Contacted and invited esteemed organizations for campus recruitments of interns and was the Point of Contact for multiple companies during the placement season.

May 2015 – Jul 2015 · 2 mos · Bengaluru Area, India

• 1. AC Dielectrophoresis (DEP) of carbon nanotube (CNT) solutions - Dielectrophoretic nanoassembly of individual carbon nanotubes(CNTs) onto nanoelectrodes.
• 2. Optimised frequency and concentration of solution used for DEP to get a consistent maximum yield (more no of MOSFET devices).
• 3. Improved the contact between the CNTs and the metal pads by annealing.
• 4. Studied the variation of ultrasonication time affecting the length of CNTs for making devices with different channel lengths.

Jan 2015 – Mar 2016 · 1 yr 2 mos · IIT Guwahati

• Formulated the structure of events, coordinated between technical and management team and contacted eminent personalities of their respective fields to organize one of the best lecture series.

Dec 2013 – Aug 2014 · 8 mos · IIT Guwahati · On-site

• 1. Organised the 2014 edition of Technothlon in Rourkela, an International School championship conducted by student fraternity of IIT Guwahati as a part of Techniche, its annual techno-management festival.
• 2. Handled end to end organization of the examination which included drawing in a participation of over 600+ students, venue management, and attracting media coverage for the same.
• 3. Led a team of 3 organisers which worked to garner cooperation from school principals by allowing their students to participate in Technothlon.