Aug 2019 – Oct 2023 · 4 yrs 2 mos · Singapore

• Led 25-person product org (PMs, designers, analysts) across Singapore, Malaysia, and Indonesia under MAS, Bank Negara, and OJK regulation
• Built payments-lending flywheel post-CardUp acquisition. Integrated bank accounts, credit cards, receivables, and payables into a single SME platform
• Led embedded finance API strategy with ecosystem partners (Gojek, Bukalapak, Bukuwarung). Supply chain financing and real-time credit approval at point of trade
• Spearheaded Smart Acceptance underwriting initiative. Evaluated 15-20 alternate data vendors across 3 markets to build a proprietary risk scoring engine

Jan 2019 – Jan 2019 · 0 mo

• Spending lot of my time consulting companies across Financial Services and helping them with their Product Function.
• Remaining time is consumed in reading, thinking and writing for my self.

Jan 2016 – Jan 2019 · 3 yrs · Bengaluru, Karnataka, India

• Built product team from scratch
• Drove digital growth from 30% to 70% in a single quarter across 3 parallel tracks
• Reduced loan turnaround time from 17 to 5 days. Redesigned onboarding to be self-serve and contactless
• Led A/B experimentation on acquisition funnels. Improved conversion 2.5x and reduced onboarding cost by 28%

Jan 2015 – Jun 2016 · 1 yr 5 mos

• Built a team of 14 (PMs and designers) from scratch. Owned product strategy across Sellers, Checkout, Non-discretionary Spends, Analytics, and Treasury
• Grew PayUmoney into India's largest seller platform. 140x merchant base growth in 2.5 years
• Launched India's only one-click payments solution. Grew checkout transactions 500x in 15 months, making it the largest user base for a checkout product
• Built and institutionalized an NPS framework. Moved NPS from 43 to 57 in 6 months
• Evangelized a new product line for utility merchants (societies, schools) to collect payments without technical capabilities. Became India's largest such merchant base
• Ran A/B experiments across payments flows. 8% conversion rate increase in 6 months, consistently credited by merchants for highest conversion rates across wallets

Jan 2014 – Jan 2015 · 1 yr

Jan 2013 – Jan 2014 · 1 yr

Jan 2012 – Jan 2013 · 1 yr · Mumbai

• Nihit leads Inkfruit's customer facing side of Product Management. Inkfruit is Asia's largest co-creation centric e-commerce platform.
• Nihit along with his team of 2 Product Managers is responsible for KPIs like, conversion%, repeats, size (revenues and quantity) per cart, customer acquisition (non marketing related), retention etc.

Jan 2010 – Jan 2012 · 2 yrs · Mumbai

• Nihit heads the Product Management and Digital Marketing for Talenthouse India. Talenthouse India (www.talenthouse.co.in) is a Joint Venture between Talenthouse Inc. and Reliance. Talenthouse is a crowdsourcing platform that spans across the verticals of Film, Fashion, Music, Art, Dance, Photography.

May 2008 – Dec 2010 · 2 yrs 7 mos

• Nihit handled Customer Interaction and Engagement for Shaadi.com. Customer engagement is the key product area for Shaadi. It defines and influences users propensity to become paying customers. Worked towards setting a roadmap and implementing a SOLR based Search Platform for Shaadi.com. Responsible for Search and other match making algorithms.

Jan 2007 – Jan 2007 · 0 mo

• Fashion Networks is an online platform for various stakeholders of fashion value chain. I was involved in conceptualizing and subsequently implementing various strategies for customer acquisition. The activities were primarily online centric which included making collaterals, conducting events. Part of my responsibility was to understand traffic analytics report.

Jan 2005 – Jan 2007 · 2 yrs

• I was a Software Programmer and along with my team was involved through the entire SDLC in developing an end-to-end Web 2.0 application for Bank of America system that was on J2EE platform, Struts framework. I was a part of Loan Solutions team which provided services to Bank of America for their Consumer & Real Estate portfolio.