Jerin John — Product Manager
I am a product leader with over a decade of experience scaling high-impact products across fintech, digital lending, and e-commerce platforms. My career has spanned building 0→1 products, scaling multi-million-transaction systems, and leading cross-functional teams that operate at national scale. In my current role as Senior Director of Product at Paytm, I lead the Credit Risk charter across merchant and consumer lending. I own the rule-engine, risk-decisioning stack and manage a team of product managers and analysts driving credit policy, automation, and risk efficiency. Earlier at Paytm, I helped scale the company’s ONDC commerce business from zero to xxM+ monthly transactions, led the launch of a logistics routing engine, and managed the central order management system responsible for xxM+ monthly orders. My work has directly improved order fill rates, conversion, and operational efficiency through data-driven product design, AI-enabled automation, and strong execution. Prior to Paytm, I shaped omnichannel retail experiences at JioMart, delivering online-offline commerce journeys and consumer affordability products for millions of users. I’ve developed loyalty and payments products at Loylty Rewardz and IndustryBuying, and built one of India’s early hyperlocal mobility products at Jugnoo, scaling Jugnoo Autos to 100k+ users. Across roles, I specialize in: - Fintech & Lending — credit decisioning engines, policy orchestration, risk segmentation, high-volume real-time systems - E-commerce & Hyperlocal — logistics routing, order management, payments, conversion optimization - 0→1 Product Building — developing new business lines such as ONDC, risk systems, and loyalty programs - Leadership — building and scaling teams, mentoring PMs, partnering across engineering, data, operations & business I love building products that operate at scale, solve real customer problems, and combine strong first-principles thinking with operational depth. Always open to conversations on fintech, credit risk, commerce, logistics, and product strategy.
Stackforce AI infers this person is a Fintech and E-commerce product leader with extensive experience in scaling high-impact products.
Location: Bengaluru, Karnataka, India
Experience: 12 yrs 6 mos
Skills
- Credit Risk Management
- Product Strategy
- Product Development
- E-commerce Strategy
- Product Management
- User Experience Design
- Payments Integration
- Omnichannel Strategy
- Customer Experience
- Consumer Research
- Loyalty Program Development
- Retail Strategy
- Customer Loyalty Management
- Operations Management
Career Highlights
- Led Paytm's Credit Risk product strategy.
- Scaled ONDC commerce to millions of transactions.
- Pioneered omnichannel retail experiences at JioMart.
Work Experience
Paytm
Senior Director of Product (1 yr 1 mo)
Senior Director of Product (11 mos)
Senior Group Product Manager (1 yr 4 mos)
Senior Principal Product Manager (8 mos)
Reliance Retail
AGM- Product (1 yr 11 mos)
Senior Product Manager (1 yr 4 mos)
Loylty Rewardz Mngt Pvt Ltd
Product Lead (10 mos)
Industrybuying.com
Product (2 yrs 1 mo)
Jugnoo
Product Manager (11 mos)
Schreder
Quality Control Engineer (1 yr 5 mos)
Education
Engineer’s Degree at Mar Athanasius College of Engineering
Master of Business Administration - MBA at Lal Bahadur Shastri Institute of Management
