Bhavik Kaul — CEO
Product and business leader with 17+ years of experience building and scaling consumer and fintech platforms at massive scale across high-growth markets. Proven track record of translating deep consumer insight into durable product platforms and business outcomes across payments, credit, wealth, and marketplaces. Currently Chief Product Officer at super.money (Flipkart), owning end-to-end product strategy across UPI, cards, lending, and wealth products serving tens of millions of users. Experienced in both 0→1 and 1→100 journeys, building and scaling senior product orgs, shipping first-in-market products, and balancing growth, risk, and unit economics. Increasingly focused on how AI-native and agentic systems reshape consumer experiences, decision-making, and operating leverage.
Stackforce AI infers this person is a Fintech product leader with extensive experience in consumer platforms and innovative financial solutions.
Location: Bengaluru, Karnataka, India
Experience: 17 yrs 11 mos
Skills
- Product Management
- Business Strategy
- Business Development
- Market Strategy
- Team Leadership
- Product Development
- User-centered Design
- User Experience
- Marketing
- Data Analysis
- Consulting
- Project Management
- Entrepreneurship
Career Highlights
- 17+ years in product and business leadership.
- Expert in scaling fintech platforms.
- Proven track record in innovative product launches.
Work Experience
super.money
Chief Product Officer (1 yr 1 mo)
Zinc
Chief Product & Marketing Officer (9 mos)
PayU
Chief Product Officer @PayU Finance (2 yrs 8 mos)
Early stage startups
Investor/ Advisor (4 yrs 10 mos)
LazyPay by PayU Finance
VP + Product Head (BNPL + Neobank/Wealth Mgmt) (1 yr 3 mos)
dunzo.in
Director of Products - User, Growth, Marketplace (1 yr 11 mos)
Hike
Product Lead - College Connect (7 mos)
Product Lead - Stickers & Expressions (1 yr 2 mos)
Senior Product Manager - Growth (6 mos)
Product Manager - Games (4 mos)
Microsoft
Product Manager - Mobile Productivity Apps, MS Office (7 mos)
Product Manager - Publisher Platform, MSN (1 yr)
Product Manager - Content Experiences, MSN (1 yr 8 mos)
Deloitte
Senior Consultant (6 mos)
Vectorz
Product Manager (1 yr 2 mos)
Ek Titli
Co-Founder (1 yr 1 mo)
Ness Technologies
Senior Software Engineer (3 yrs 3 mos)
Education
BE at Savitribai Phule Pune University