Bivek Kumar

CTO

Noida, Uttar Pradesh, India11 yrs 5 mos experience
AI EnabledAI ML Practitioner

Key Highlights

  • Led initiatives doubling monthly funding volumes to $100M.
  • Successfully launched a pocket money app for Gen Z.
  • Expert in leveraging AI/ML for fintech product innovation.
Stackforce AI infers this person is a Fintech Product Manager with strong expertise in AI-driven solutions.

Contact

Skills

Core Skills

Artificial Intelligence (ai)Generative AiProduct ManagementMachine LearningGo-to-market StrategyProduct Development

Other Skills

Agentic AIAnalytical SkillsAnalyticsArtificial Intelligence for BusinessB2B2CBusiness AcumenBusiness Intelligence (BI)Business OperationsBusiness StrategyBusiness-to-Business (B2B)CampaignsClarityCloud ComputingCommunicationCompetitive Analysis

About

Core principle: Success is built on the foundation of always staying a humble learner. A seasoned product leader with over a decade of experience across fintech, healthcare, and edtech, I bring a strong engineering foundation and a proven track record of building products from scratch while driving product-led growth for both B2B and B2C segments. My product management journey began in 2016 with TappMe, a B2C platform offering on-demand maintenance services. There, I developed a lead recommendation engine that significantly boosted sales conversions. Following TappMe, I navigated opportunities across healthcare and consumer IT services, gaining valuable expertise in cross-functional collaboration, stakeholder management, product marketing, and analytics. My passion for the fintech ecosystem emerged during my tenure at Eroute Technologies, where I served as a Senior Product Manager and successfully launched a pocket money app for Gen Z. In my current role at Biz2X, I’ve led initiatives that nearly doubled monthly funding volumes to $100M for a growing US-based NBFC. I spearheaded the revamp of its internal credit assessment model by conducting user interviews and integrating advanced AI/ML techniques, enabling fairer pricing through more accurate credit evaluations. Additionally, I introduced innovative bank statement classification methods to enhance efficiency and accuracy, ensuring the development of impactful, future-ready products. Presently, I am working on an Auto-Underwriting Co-Pilot model to empower underwriters with faster and more precise decision-making capabilities. Beyond my primary roles, I have provided consultancy to startups in domains such as earned wage access, fraud detection, and gig marketplaces, helping them achieve product-market fit. My recent projects and certifications reflect a strong commitment to leveraging AI/ML technologies to design next-generation fintech products that transform the way individuals and businesses operate. A deep thinker at heart, I am passionate about delving into complex problems and understanding people to craft meaningful solutions. As a creative outlet, I occasionally write for my blog, blending my analytical mindset with storytelling.

Experience

11 yrs 5 mos
Total Experience
1 yr 2 mos
Average Tenure
9 mos
Current Experience

Golden legand leasing and finance ltd.

Head - AI & Data Science

Sep 2025Present · 9 mos · Mumbai, Maharashtra, India · On-site

Agentic AIArtificial Intelligence (AI)Generative AI

Career break

Career transition

May 2025Aug 2025 · 3 mos · Noida, Uttar Pradesh

Biz2credit

AI Product Manager

Dec 2022May 2025 · 2 yrs 5 mos · Noida, Uttar Pradesh, India · Hybrid

  • Reduced workforce cost by 30% via automating pre-underwriting workflows of loan applications upto $100K.
  • Achieve 50% growth in funding rate by designing intent-focussed landing page for faster document collection & contract signing.
  • Improved offer acceptance rate by 25% by offering flexible pricing options to meet customer requirements.
  • Reduced application drop-offs by 33% by auto-populating data & using mobile friendly designs in the customer journey.
  • Managed following AI / ML projects by Collaborating with data science, sales & underwriting teams:
  • a) NextGen BA Score – Improved existing credit risk score tool by introducing new features from SBFE report and training with un-labelled payment history data from external lenders.
  • b) Bank Statement Analyzer – ML driven keyword-based detection to categorize existing lender stacking and revenue outliers from a bank statement file for faster & better risk profiling.
  • c) GenAI based Underwriting Co-pilot – RAG-based LLMs to assist underwriters with auto-generation of case summaries, contextual suggestions in decision making and automating tasks like sending emails and analyzing data.
Product DiscoveryProblem SolvingMarket ResearchTensorFlowProduct Road MappingUIX+69

Bankit prepaid cards

Senior Product Manager

Sep 2021Dec 2022 · 1 yr 3 mos · Noida, Uttar Pradesh, India

  • Lead product strategy & roadmap for a B2B2C model providing custom Prepaid card as a service to SMEs and fintech startups.
  • Selected Contributions:
  • Consulted business stakeholders to discover product-market fit & GTM strategy to sell prepaid services.
  • Conducted market research & competitive analysis to understand potential customers & associated pain-points.
  • Designed a SAAS based solution for SMEs to provide customized spend management services on the go.
  • Solved for user experience issues in the existing mobile app for individual cardholders & improved avg. daily active users by 25X.
Product DiscoveryProblem SolvingMarket ResearchProduct Road MappingUIXProduct Vision+47

Lmon

Freelance

Jul 2021Sep 2021 · 2 mos · Vancouver, British Columbia, Canada

  • Lead delivery of a new generation gig marketplace via a no-code development tool, Bubble.io
  • Selected Contributions:
  • Identified problems in the existing product and proposed a new product strategy approach
  • Conducted stakeholder interviews & competitive analysis to understand market pain-points & identify scalable opportunities
  • Ideated minimum viable set of features to achieve product-market fit & prepared roadmap
  • Created PRDs / workflows / wireframes & coordinated with engineering team for development
Product DiscoveryProblem SolvingMarket ResearchProduct Road MappingUIXProduct Vision+19

Billbolo

Freelance

Jul 2021Sep 2021 · 2 mos · Noida, Uttar Pradesh, India

  • Converted business requirements into a product roadmap along-with PRDs & workflows
  • Coordinated with UI/UX designers & engineering to develop & launch MVP
  • Assisted in evaluation & hiring of designers & developers
Product DiscoveryProblem SolvingMarket ResearchProduct Road MappingUIXProduct Vision+20

Omnicard®

Senior Manager - Product Management & Experience

Nov 2020Jun 2021 · 7 mos · Noida, Uttar Pradesh, India

  • Managed launch of a prepaid based pocket money management solution targeting teenagers & parents.
  • Lead a team of UI/UX designers, Developers and product analysts to deliver Android & IOS mobile app - OmniCard.
  • Coordinated end to end integration, certification & compliance requirements with NPCI, FIS, RBI, DTDC, Veri5Digital.
Product DiscoveryProblem SolvingMarket ResearchProduct Road MappingUIXProduct Vision+33

Medcords

Product Manager

Jan 2020Oct 2020 · 9 mos · Pune Area, India

  • Managed end to end product lifecycle of Sehat Sathi Mobile App (Android) – a hyper local network of medical stores.
  • Performed data analysis & solved UI/UX issues of user onboarding | Achieved 3X growth in successful verification at 1st attempt.
  • Conducted user interviews to understand user motivation & pain-points | Revamped user activation journey using a parental design approach with relevant content | Achieved +67% growth in # daily active users.
  • Recognized by Playstore to be the youngest app among top 5 trending apps under medical category (during covid).
Product DiscoveryProblem SolvingMarket ResearchProduct Road MappingUIXGo-to-Market Strategy+35

Noble house

Product Manager

Feb 2018Jan 2020 · 1 yr 11 mos · Gurgaon, India

  • Collected business requirements from multiple in-house & external stakeholders / clients & managed product deliverables.
  • Created PRDs, workflows & wireframes | Worked with designers for high fidelity prototyping & review with stakeholders | Conducted grooming sessions with developers & QA | Coordination & troubleshooting with developers on daily basis | Prepare test cases with QA & perform UAT testing | Demo presentation & communication to stakeholders.
  • Conducted user interviews & worked with UI/UX designer to prototype a senior-citizen focused mobile app for a US-based client, providing luxury retirement homes, along with a web-based admin to manage their day-to-day operations | Achieved client satisfaction on slicing the full requirement into multiple small releases to bring in early visibility & feedback.
  • Restructured PRDs & performed effective communication to drive team alignment on current & future scope of the project | Achieved a time-bound effective scrum meeting culture & improvement in spill overs / delays in regular deliveries.
Problem SolvingProduct Road MappingUIXData-driven Decision MakingProduct RequirementsRequirements Gathering+28

Tapp me

Product Manager

Jan 2016Jan 2018 · 2 yrs · Gurgaon, India

  • Designed a score-based lead ranking system using factors like lead channel characteristics, New or Returning customer, # follow-ups done | Created round-robin groups for targeted lead allocation to sales team| Improved UI/UX of sales agent portal to reduce avg. time spent per lead | Achieved 50% growth in avg. Lead to Order conversion% .
  • Implemented auto-assign feature to enhance system capability to automatically assign multiple eligible bookings to service providers at once to increase operational efficiency | Achieved 2X growth in avg. #Orders served on daily basis.
  • Lead design & set up of operational set up as a core team | Managed 3rd Party vendors for Uniforms, Toolkits, Call management solution etc. | Worked with engineering to implement internal portal for lead & order management portals along-with mobile app for service providers | Prepared SOPs & conducted training of customer support team, regional operations team & service providers | Partnered with ICICI & IL&FS Skills Development Corporation & conducted recruitment of freshly trained technicians.
Problem SolvingProduct Road MappingUIXProduct RequirementsCustomer SatisfactionCustomer Experience Management+15

Avanti learning centres pvt. ltd

Senior Quality Assurance Associate

Jul 2014Dec 2015 · 1 yr 5 mos

  • Managed quality assurance of educational content (videos / assignments) created in-house for students aspiring for engineering competitive exams.
  • Assisted sales team as subject matter expert & conducted demo classes for prospect clients – schools / coaching institutions.
  • Travelled regularly to different cities & conducted special doubt sessions for students performing well in mock-up exams.
Problem SolvingCustomer SatisfactionMicrosoft Excel

The india thermit corporation ltd.

Metallurgist

Jun 2014Nov 2014 · 5 mos · Kanpur Area, India

  • Analyzed reasons of weld defects in Alumino thermic castings: Blow holes, Straight fracture through metallography
  • Collaborated with Advanced Centre for Materials Science, IIT Kanpur to use new materials’ testing technologies : SEM, XPS
  • Developed a preliminary processing mechanism for production of Fe-13%Mn-4%C alloys used as additive
  • Improved traditional mold design to reduce effect of turbulence in melt leading to silica inclusions

Svagatagami

Coordinator Of Volunteers

Jan 2013Mar 2014 · 1 yr 2 mos

  • program to design Android-based Applications
  • and ergonomic Board Games to aid mentally challenged kids
  • Leadership
  • Led a 2-tier team of total 75 interns from national as well as international institutes
  • Result
  • Innovated Blow Game(using waste products) to solve drooling problem
  • Developed 4 special Android Applications on counting numbers, recognize alphabets etc

Technoserve

Consultant Internship

Jun 2012Jul 2012 · 1 mo

  • Analyzed the reasons for inefficiency in yield after adopting water saving farming technologies
  • Studied and made operational manual of two major farming technologies: Direct Seeding Rice & Laser leveling
  • Suggested the idea of POWER; ( a combination of cutter and sprayer) to control major reasons of the failure
  • Suggested improved delivery strategy of the technologies for better yield and conducted interaction sessions
  • OTHER POSITIONS OF RESPONSIBILITY
  • Core Team member, Svagatagami (Non-Government Organization)

Education

Indian Institute of Technology, Kanpur

B.Tech — Materials Science & Engineering

Jan 2014Present

St. Paul’s School

AISSCE

Jan 2009Present

St. Joseph’s Public School

AISSE

Jan 2007Present

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