Raman Gujral

CEO

Bengaluru, Karnataka, India12 yrs 4 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

Scaled cash advance disbursements from $1M to $3M/month.
Launched credit builder card with 100K activations in first month.
Built AI products that cut costs by 73%.

Stackforce AI infers this person is a Fintech Product Leader with expertise in AI and data-driven growth strategies.

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Skills

Core Skills

Product StrategyFintechArtificial Intelligence (ai)Data AnalyticsPaymentsB2bProduct Management

Other Skills

P&L ManagementGo-to-Market StrategyRisk/Impact Analysis3rd Party IntegrationsInsuranceGen AILendingSupply Chain ManagementProduct Road MappingUser StoriesSoftware as a Service (SaaS)Business-to-Business (B2B)AgileRecommendation EngineRevenue & Profit Growth

About

I build fintech products for people the financial system ignores. At Beem, I took cash advance disbursements from $1M to $3M/month, built a loan marketplace from zero to $3M+ ARR, and launched a credit builder card that hit 100K activations in its first month. The thread across my career is using data to grow products. Started in analytics at ZS, then spent 3 years at Airtel where I helped scale the Thanks app from 2M to 20M MAU. Worked on video monetization strategy at Meta, shipped Livemint’s digital subscription at HT, and built a B2B seller platform at Delhivery. The last 3+ years at Beem have been the most interesting. Our users are deep subprime — people with no credit history that banks won’t touch. I’ve had to figure out how to underwrite them using transaction data instead of credit scores, how to collect at 97%+ rates without being predatory, and how to build AI products (4 proprietary GPTs) that actually help them manage money — all while cutting AI costs by 73%. I lead a team of 4 PMs and own the full P&L for multiple product lines.

Experience

Beem

2 roles

Group Product Director

Promoted

Mar 2025 – Present · 1 yr 1 mo · San Francisco Bay Area · Remote

Promoted to lead multiple product lines at a US fintech serving 5M+ deep subprime users. I own the credit builder card, AI/GPT ecosystem, and collections strategy. Team of 4 PMs.
Credit Builder Card: Launched in partnership with Upwardli and Cross River Bank. 100K+ activations in month 1. Led GTM, integration (webhook APIs), and activation optimization — identified and fixed a KYC drop-off that was killing conversion.
AI Ecosystem: Built 4 proprietary GPTs (Budget, Jobs, Deals, Price) on LangGraph with a 3-layer memory system (Pinecone + Redis + MongoDB). Cut AI costs 73% through model downgrades, semantic caching (LSH), and prompt optimization. PFM costs went from $16K/day to under $3/day. 30% retention improvement for GPT-engaged users.
Collections Strategy: Designed a 3-pillar framework (data infrastructure, model governance, collection optimization) after a data provider migration caused repayment rates to dip. Built multi-attempt collection logic with ML-predicted timing. Recovered to 96.5%, targeting 97%+.
P&L ownership across product lines. Mentor 4 PMs/APMs.

Product StrategyFinTechP&L ManagementArtificial Intelligence (AI)Go-to-Market Strategy

Senior Product Manager

Sep 2022 – Mar 2025 · 2 yrs 6 mos · San Francisco Bay Area · Remote

Joined as the first senior PM. Owned the cash advance (Everdraft) product and built the marketplace from scratch.
Cash Advance: Scaled monthly disbursements from $1M to $3M. Redesigned the qualification model using alternative data (transaction patterns, cross-platform borrowing, repayment history) instead of credit scores. 97%+ collection rate at 365 days. Optimized the offer funnel from 20% to 50% conversion by fixing fee transparency issues found through Mixpanel + Clarity recordings.
Marketplace (0→1): Built a loan marketplace with $0 to $2M+ ARR in 6 months. Expanded to insurance and play-to-earn, total $3M+ ARR.
Data-driven product decisions: Mixpanel for funnels, Clarity for session recordings, CX ticket analysis for voice of customer. Every major product change was backed by quantitative + qualitative data.

3rd Party IntegrationsInsuranceFinTechPaymentsGen AILending

Delhivery

Senior Product Manager

Feb 2022 – Aug 2022 · 6 mos · Gurugram, Haryana, India · Hybrid

B2B product for India’s largest logistics company (NSE: DELHIVERY), handling 1B+ orders.
Built the “Seller Panel” for SME clients from scratch. Onboarded 15,000 sellers in 3 months, driving a 7–15% increase in direct order volume.

Supply Chain ManagementProduct Road MappingUser StoriesSoftware as a Service (SaaS)Business-to-Business (B2B)Agile+2

Bharti airtel

Product Manager

Apr 2021 – Feb 2022 · 10 mos · Gurugram, Haryana, India · Hybrid

MarTech and data platforms for Airtel’s B2B division (490M+ customers).
Built a centralized B2B Customer Data Platform (CDP), consolidating 100% of fragmented customer data into a unified sales view.
Implemented ML-based recommendation engine that increased B2B lead generation by 50%.

Product Road MappingUser StoriesRecommendation EngineAgileProduct ManagementData Analytics

Ht digital streams

Senior Product Analyst

Jul 2018 – Mar 2020 · 1 yr 8 mos · New Delhi Area, India

Digital arm of Hindustan Times, one of India’s largest media houses.
Led product analytics for the launch of Livemint’s paid subscription. 5,000+ subscribers in the first month.
Built personalized content feed algorithms that increased engagement metrics by 25%.

Agile

Bharti airtel ltd

Product Analyst

Aug 2015 – Jul 2018 · 2 yrs 11 mos · Gurgaon, Haryana, India

Built the analytics foundation for the Airtel Thanks app — event tracking, funnel analysis, cohort retention, A/B testing infrastructure. The app scaled from 2M to 20M MAU during my time.

Zs associates

Associate

Oct 2013 – Aug 2015 · 1 yr 10 mos · Gurgaon, Haryana, India

Data analytics consulting for pharma/healthcare clients. Built data warehousing solutions and automated reporting pipelines, cutting operational cycle time by 4 hours/day.