Dec 2023 – Dec 2024 · 1 yr · Gurugram, Haryana, India · On-site

• Head of Product for Financial Services ( Leading a team of ~15+ PMs ) across
• Digital Lending
• Personal Loan, Buy Now Pay Later, and Merchant Loans (Daily/Monthly)
• Alternate Data Platform for Risk Underwriting
• Collections SAAS (internal / external)
• Distribution of Loans ( via ONDC and Direct loan partners)
• Credit Score
• Wealth Product [ Track and Grow your Wealth]
• Account Aggregator (among the top 3 in India from active base, and best in terms of USPs, and customers satisfaction)
• Digital Gold
• Fixed Deposit ( in partnership with Banks, and deposit taking NBFCs)
• Mutual Fund Platform (under SEBI RIA license)
• EPFO Tracker

Oct 2023 – Dec 2023 · 2 mos · Gurugram, Haryana, India

• Worked as a Python and PineScript developer / coder (after 8+ years of break from coding) to develop long short strategies using Technical Analysis, and the supporting platform to earn regular income through trading in stock markets in fully automated way and with 0 manual intervention.
• Passionate in this field. Feel free to DM if you would like to collaborate / share / learn on this topic. Happy to Help.

Jan 2023 – Oct 2023 · 9 mos · Gurugram, Haryana, India · On-site

• Delivering happiness through Product led mindset to Million of customers daily pan-India. Building the next generation platform to make eCom Express the biggest player in the 3rd Party logistics while ensuring profitability!
• Leading a team of 15+ PM and 2 Designers. Focusing on key company metrics - Costs and Loss, Fulfillment and Speed, Revenue Growth, Net Revenue retention

Sep 2021 – Jan 2023 · 1 yr 4 mos · Gurugram, Haryana, India

• MetaMap is on a mission to make trusting strangers online effortless. We are creating the "Trust Economy" by enabling Businesses, especially in emerging markets to have digital platforms to gain trust effortlessly.
• # Aggressively Hiring multiple Product Managers - 4-18 Years of product experience
• # Digitizing your Merits to connect Users with Businesses.

Oct 2020 – Present · 5 yrs 8 mos

• Only on Weekends - Probono Advising Startups on Product management frameworks, hiring PMs, Product workflows and development - Domain agnostic for mutual learning.

Feb 2019 – Sep 2021 · 2 yrs 7 mos

• #1st PM for Paytm Digital Lending Business
• # Eventually grew and led a team of 12 PMs as Product Head for Lending across Consumer Loans, Business Loans, and Credit Cards.
• # Scaled Paytm's flagship product for masses, Paytm Postpaid to million of Paytm users while ensuring Portfolio + Collections
• # Engaged and partnered with multiple NBFCs and Banks to offer Loan Products to Paytm Customer and Merchant Base
• # Introduced industry-first processes in lending using CKYC, Offline Aadhaar, Alternative Data and other digitisation solution
• # Launched completely paperless Instant Spend Limit, Personal Loan, Merchant Loan on Android and iOS Platforms, availed by over ~3L+ users
• # Champion of Alternate Data sources used for Risk Assessment and Underwriting
• # Building Collections Tech platforms (Amalgamation of payments, CRM, SPAM engagement, billing and automated reconciliation) to run Collections for in-house need and external clients.

Jul 2018 – Jan 2019 · 6 mos · Noida Area, India

• Product Head for Paytm Payments Bank Enterprise Offerings. Some of the major product offerings Current Account, Enterprise Bill Payments, Nodal Account, Corporate's Salary Account, Enterprise Employee Benefit Programs - Food Wallet, Fuel Wallet, etc and Expense Reimbursements.
• Liaise with Regulatory/Govt Departments, Compliance, Technology, Channel Distribution and Sales for product development and innovation

Jul 2017 – Jun 2018 · 11 mos · Noida Area, India

• Product Head for Paytm for Business Vertical encompassing Payments such as Small Retail merchants and big merchants such as Uber, IRCTC, Swiggy, Zomato etc. For each user segment, developing solutions to facilitate payment acceptance and enable them to grow their business.
• Primary, Secondary research for Small Merchants, and Market launch of Paytm for Business App. Driving the growth and adoption of the Paytm for Business App to 5M merchants while ensuring a rating of 4.1+ throughout, and WAU of 1M.
• Drove the Merchant complaints related to Payments Settlement, Profile issues by upto 90% for calls and 40% overall in e-mail volume (large corporates)

Oct 2015 – Jun 2017 · 1 yr 8 mos

• Leading the Driver's Training Product for Ola and removing Class-room trainings as part of attachment/re-training and deliver trainings remotely as a Proactive Quality initiative. Few of the themes where I have delivered significant impact -
• Targeted training
• Training along with assessment to gauge the understanding
• Gamification of Drivers Performance
• Real time feedback and How to improve
• Mandatory training for low performers

May 2015 – Oct 2015 · 5 mos

• Delivery Owner and TPM Lead for the Supply vertical in CTO office at Ola. Work with 15+ Product Owners, 100+ engineering staff on a daily basis to deliver multiple key projects that directly impact our drivers experience at multiple touch-points such as Ola's Drivers's App experience, walkins, booking and rides, payments and incentives, performance management, training driver support, and Operator Product (recently launched OperatorAPP).
• Well known for having below qualities
• Technology Depth - Technology and High Level Design, Proponent of Restful APIs/SOA based architecture, Android APP and Backend Interaction, Web-portal and Backend interaction, Java, Perl, Databases
• Result oriented
• Strong Bias-for-action
• Multi-tasking
• Excellent verbal and communicational skills
• Networking and building working relationship
• Understanding of technology and design and passion for same
• Metrics Driven approach
• End-User obsession
• Highly organizational (encourage JIRA, Confluence and other tools across the org for same)

Jul 2013 – Apr 2015 · 1 yr 9 mos

• Product & Engineering single PoC for Systemic Risk Filing
• Liaise with Product, Business to interpret and automate new regulations across the globe, primarily, of SEC (of USA), FSA (UK), SFC (HK)
• The immensity of the Regulatory filings brought post the Dodd-Frank Act can be absorbed from this nutshell report by E&Y linked below.

Jan 2011 – Jun 2013 · 2 yrs 5 mos

• Perform regulatory reporting across various trading countries to ensure the firm trading is in
• compliance with the rules laid by the regulatory bodies of these countries.
•  Primary point of contact for position limit regulations with sector coverage on Energy and Future
• commodities and commodity exchanges such as CME, NYMEX, ICE, EEX, etc.
•  Architect for infrastructure development and building the Compliance platform that can enable pre -
• trade Compliance.
•  Frequently hold discussions with Analysts at NYC, London, HK, Japan offices for support and
• clarifications for the firmwide positions and compliance checks

Jun 2009 – Dec 2010 · 1 yr 6 mos

• Implement margin calculators to track collateral requirements and assess capital usage as per the negotiated financial margin risk agreements with trading counterparties of DESCO LP.
•  Primary point of contact for margining of exchange listed, and other derivatives positions with sector
• coverage of Energy and Futures commodities.
•  Implement algorithms to achieve accuracy quantitative results in least possible time.
•  Suggest margin portfolio optimization by programmatically simulating the margin for portfolio
• under different rules set.

Jan 2009 – May 2009 · 4 mos · Greater Delhi Area

• Reminisce is NSIT's first alumni magazine targeted towards helping out students to gain from the experience of their alumnus. Being involved from its incipient stage to its distribution among students, had been a great learning and networking experience.
• We are currently focussing our energy towards,
• 1. Building and organizing the 5000+ strong alumni network database.
• 2. Increasing awareness of old alumni to college activities, and connecting them with students and college
• 3. Creating the platform and publishing an annual magazine for the students by publishing general QnA with experienced alumni from different walk of life.

Jun 2008 – Jul 2008 · 1 mo · Noida, Uttar Pradesh, India

• Worked as a Trainee at HCLTech Noida centre & HCL SEZ in Greater Noida. My field of work was basically getting acquainted & gradually gather expertise on Cisco devices used in the enterprise. I configured many switches & routers of various types during the duration.

Aug 2007 – Jan 2008 · 5 mos · Greater Delhi Area

• Worked as an Intern under the mentorship of Kevin Driscoll, for OLPC community. The main goal was to provide sample code and supporting materials to help teachers along with interesting projects for beginning programmers. We programmed 12 high quality real world problems. The selected platform were implemented on Ruby,
• and other cross-platform languages like Java. Ultimately, we ublished our materials on Curriki and Hackety Hack Workspace. The project was sponsored by the Commonwealth Of Learning organization based in Vancouver, Canada.