Gourab Bhowaal

Associate Consultant

Pune, Maharashtra, India6 yrs experience

Highly StableAI Enabled

Key Highlights

10+ years in Fintech and Digital Lending.
Expert in AI-driven digital transformation.
Proven track record in product lifecycle management.

Stackforce AI infers this person is a Fintech expert specializing in AI-driven product management and digital transformation.

Contact

Skills

Core Skills

Product ManagementAgile DevelopmentBusiness AnalysisOperations Management

Other Skills

Collateral ManagementProduct DesignProduct PlanningGenerative AI for ProductAgentic AIUAT CoordinationVibe CodingAutomotive FinanceBusiness Logic DesignLOSProduct Lifecycle ManagementBusiness LoansLife InsuranceSoftware Configuration ManagementWorkload Prioritization

About

Certified Scrum Product Owner® (CSPO) and Principal Product Consultant with 10+ years of experience in Fintech, Digital Lending, and Core Banking Systems. Expert in AI-driven digital transformation (Generative AI, Agentic AI), leveraging Agile/Scrum to deliver data-focused financial solutions, optimize risk evaluation, and achieve quantifiable business results. Proven ability to define business and technical requirements, lead cross-functional teams, and manage the full product lifecycle. Passionate about designing innovative, data-driven solutions that automate workflows and unlock significant business value. • What I love: Simplifying Complexity, Purposeful Design. • What I'm good at: Alignment, Strategy, End-to-end Ownership. • What the world needs: Responsible, Efficient Financial Systems. • What pays: Product Leadership in BFSI.

Experience

6 yrs

Total Experience

2 yrs

Average Tenure

1 yr 10 mos

Current Experience

Aurionpro

2 roles

Principal Consultant - Product

Promoted

Apr 2025 – Present · 1 yr 1 mo · Pune District, Maharashtra, India · Hybrid

Led the design and development of a Collateral Management System, enabling informed lending decisions and minimizing asset-related risks, directly contributing to improved loan recovery assurance.
Pioneered the integration of Agentic AI decision workflows into the Loan Origination System (LOS), automating applicant pre-screening and document classification to reduce manual review time by 30%.
Collaborated with AI engineers to design Generative AI-based onboarding prompts for loan applicants, improving data capture accuracy by 25% and enhancing the user experience.
Prioritized and managed the product backlog for core lending features, translating business goals into Epics, Features, and User Stories with a focus on regulatory compliance and risk mitigation.
Delivered key underwriting features in Agile sprints with development and QA teams, achieving 90%+ on-time delivery and reducing rework cycles.
Integrated external systems (Bank Statement Analyzer, PEP/AML APIs), reducing manual verification efforts by 40% and enhancing risk profiling.
Optimized the credit risk evaluation process, resulting in 20% efficiency gains across underwriting operations.

Collateral ManagementProduct DesignProduct PlanningGenerative AI for ProductAgentic AIUAT Coordination+3

Consultant - Product

Jun 2024 – Mar 2025 · 9 mos · Pune District, Maharashtra, India · Hybrid

· Led the end-to-end delivery lifecycle for lending platform modules, aligning business, technology, and QA teams on scope and priorities.
· Translated business requirements into functional specs, creating epics, features, and user stories tailored to underwriting and loan processing.
· Partnered with development and QA teams to deliver core credit decisioning features in Agile sprints, achieving 90%+ on-time release and minimizing rework.
· Contributed to platform scalability by recommending architectural improvements and integration of data-driven features across workflows.
· Maintain 98% on-time delivery through structured sprint planning and stakeholder coordination, including key partnerships like BMW Financial Services.

Automotive FinanceBusiness Logic DesignLOSProduct Lifecycle ManagementProduct DesignProduct Management+1

Lentra

2 roles

Senior Lead- Product Management

Promoted

Sep 2023 – May 2024 · 8 mos · On-site

· Collaborate with cross-functional teams on data requirements, project estimations, and solution
planning, boosting project alignment and efficiency by 20%.
· Assess impacts of upcoming changes, identifying and mitigating 90% of associated risks.
· Work with business stakeholders to implement innovative solutions, improving alignment with
business goals by 25%.
· Validate over 100 business requirements on the core banking platform and analyze data flow across
15+ integrated applications.

Business LoansLife InsuranceSoftware Configuration ManagementProduct ManagementWorkload PrioritizationFinTech+18

Business Analyst

Apr 2021 – Aug 2023 · 2 yrs 4 mos · On-site

· Design workflows, journey maps, DFDs, and 15+ API integrations to optimize operations.
· Document business and technical requirements; refine backlog with 100% acceptance rate.
· Coordinate UAT, defining and executing testing to achieve 95% defect-free deployment.
· Deliver post go-live support, achieving 98% user satisfaction.
· Manage project tracking in JIRA, MS Office, and Confluence, reducing reporting time by 30%.
· Conduct knowledge sessions on lending and leasing, enhancing team skills by 40%.

Business LoansConfiguration ManagementFinTechProduct ServiceUser StoriesCustomer Requirements+14

Bhowal medicare

Business Owner

Apr 2016 – Mar 2021 · 4 yrs 11 mos · Siliguri, West Bengal, India · On-site

Managed full P&L and operations for the enterprise, coordinating supply chain and fulfilling 100+ weekly orders with a 95% on-time delivery rate.
Led a team of 4 to streamline internal processes, resulting in a 30% improvement in operational efficiency and 20% increase in customer satisfaction.

Workload PrioritizationOperations ManagementTeam ManagementCustomer Research

Tech mahindra

Business Analyst

May 2014 – Jul 2015 · 1 yr 2 mos · Pune/Pimpri-Chinchwad Area · On-site

Led SaaS product development for investment research, increasing market coverage by 25%.
Produced 50+ M&A, PE, and VC reports, contributing to a 30% increase in investor engagement.

Financial ResearchIT Business AnalysisCustomer ResearchBRDBusiness Analysis

Invest ascent wealth advisors pvt. ltd.

Associate Tax Analyst

Jun 2013 – Jul 2013 · 1 mo · Pune/Pimpri-Chinchwad Area

Assisting with the preparation of tax returns, tax provisions, and other tax-related documents.
Filing tax returns for individuals and ensuring compliance with tax laws and regulations.
Assisting with tax planning and analysis for individual clients and other stakeholders.

Spencer's retail

Operation Management Intern

Jul 2011 – Aug 2011 · 1 mo · Durgapur, West Bengal, India

Assisting with inventory management, including monitoring stock levels and coordinating with vendors.
Providing support for customer service and sales activities, including responding to customer inquiries and resolving issues.
Assisting with day-to-day operations of the store, including customer service, inventory management, and store layout and design.