Pratik Malde

CEO

Mumbai, India10 yrs 3 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

Over 10 years in digital lending leadership.
Expert in end-to-end credit journeys and funnel optimization.
Proven track record in fintech integrations and product strategy.

Stackforce AI infers this person is a Fintech expert with a strong focus on digital lending and product strategy.

Contact

Skills

Core Skills

Digital LendingProduct StrategyBusiness Development

Other Skills

API IntegrationsFunnel OptimizationData-led DecisioningUnsecured Lending ProductsFinTech PartnershipsSystem DevelopmentRelationship ManagementLead ConversionProcess Flow DevelopmentWebsite DevelopmentProduct DevelopmentLeadershipManagementBusiness StrategyCapability Development

About

Product leader with 10+ years of experience building and scaling digital lending businesses across leading banks and NBFCs. Currently leading Personal Loan Digital Journeys at HDFC Bank, driving end-to-end product strategy across acquisition, underwriting, and servicing with a focus on low sourcing cost and low credit cost segments, leveraging data-led decisioning, journey optimization, and fintech integrations Strong expertise in: • Digital lending (Personal Loans, Business Loans) • End-to-end credit journeys (origination to servicing) • Funnel optimization, conversion, and automation • API integrations with fintech partners • RBI-compliant product design Experienced in working across credit, risk, tech, analytics, and operations to scale high-impact lending products.

Experience

10 yrs 3 mos

Total Experience

5 yrs 1 mo

Average Tenure

6 yrs 6 mos

Current Experience

Hdfc bank

3 roles

Deputy Vice President - Digital Lead

Promoted

Jun 2025 – Present · 11 mos

Lead E2E Digital Lending business across Mobile, Web, APIs, and Partner Ecosystems for Personal Loans
Scale PA / STP Programs through target segment identification, rule recalibration and data augmentation
Build Digital Ecosystem enabling Native Journeys through API Integrations across Platforms and Digital Fintech Partnerships
Own Journey Funnel Success and Digital Metrics showcasing impact of Digital Capabilities
Ensure Platform Adherence to Digital Lending Guidelines and other regulatory norms

Digital LendingProduct StrategyAPI IntegrationsFunnel OptimizationData-led Decisioning

Assistant Vice President

Promoted

Jun 2022 – Present · 3 yrs 11 mos

Senior Manager- Product Manager

Nov 2019 – Jun 2022 · 2 yrs 7 mos

Iifl (india infoline group)

2 roles

Manager- Digital Finance

Promoted

Apr 2018 – Nov 2019 · 1 yr 7 mos

Experience in multiple unsecured lending products such as- Personal Loan, Business Loan, Merchant Receivable Finance, Invoice Discounting and Working Capital Loans
Responsible to onboard new generation FinTechs in the field of Lending to aide sourcing and disbursement with the help of their technology
Worked on end to end internal system development and policy formulation for new unsecured products

Unsecured Lending ProductsFinTech PartnershipsSystem DevelopmentDigital Lending

Deputy Manager

Jan 2016 – Mar 2018 · 2 yrs 2 mos

Managed relationship with the Leading Indian E-Commerce Marketplace for Working Capital loans
Responsible for maintaining healthy flow of leads, ensuring credit decision on the same day for all cases, maximum conversion of all cases for disbursement and a healthy portfolio
Part of core team for the development of our in-house Personal Loan Website & Internal Systems
Worked on Process Flow, Website Journey, System UATs, Customer Communications and Standard Operating Procedure for Personal Loan

Relationship ManagementLead ConversionProcess Flow DevelopmentBusiness Development