Pranshu Srivastava

Co-Founder

Noida, Uttar Pradesh, India13 yrs experience
AI EnabledAI ML Practitioner

Key Highlights

  • Over 13 years in FinTech product management.
  • Led innovative credit products at Paytm and Freecharge.
  • Entrepreneurial experience with InikWorld Technologies.
Stackforce AI infers this person is a Fintech Product Manager with expertise in digital banking and credit solutions.

Contact

LinkedIn

Skills

Core Skills

Product ManagementProduct Strategy

Other Skills

Credit on UPILending Management SystemData-driven credit personalizationOperational integrityLarge Language Models (LLMs)Credit Card Product ManagementCustomer Experience DesignAI Product ManagementUser Experience (UX)Product DesignStrategic PlanningBusiness Process ImprovementawsroadmapGenAI + emerging tech

About

As a product manager with over 13+ years of experience in the FinTech and Neo Banking domain, I have a proven track record of creating and scaling innovative products that deliver value to customers and businesses. I have a deep understanding of customer needs, market trends, and user behavior, and I apply this knowledge to craft product strategies that align with the business vision and goals. Currently, I lead the product management of Axis Bank Credit Card Product & Neo Banking Products at Freecharge, one of India's leading digital payments platforms. I am responsible for the end-to-end product lifecycle of internet and mobile banking solutions, from ideation to launch to optimization. I collaborate with cross-functional teams to deliver impactful products that enhance customer satisfaction and loyalty. Some of my achievements include pioneering the engagement layer for the digital banking system, managing multiple portfolio journeys for credit card users, and implementing consumer-first strategies. In addition to my product management skills, I am also an entrepreneur and a podcast host, with a keen interest in philosophy and human psychology. I founded InikWorld Technologies, a company that provides full product lifecycle services for web and mobile solutions for startups and enterprises globally. I also host a podcast on Spotify, Amazon Music, and Google Podcasts, where I share my insights and perspectives on various topics related to product management, technology, and life. Through these ventures, I aim to empower global businesses to build winning products and inspire people to pursue their dreams.

Experience

13 yrs
Total Experience
4 yrs 3 mos
Average Tenure
9 mos
Current Experience

Paytm

Senior Product Manager

Sep 2025 – Present · 9 mos · Noida, Uttar Pradesh, India · On-site

  • Leading next gen lending products like Credit on UPI and more.
  • As Senior Product Manager at Paytm, I lead the Paytm Postpaid portfolio — a high-impact credit line on UPI product designed to make everyday payments seamless and smart.
  • I drive the end-to-end Lending Management System (LMS) and post-onboarding servicing ecosystem, ensuring frictionless user experiences, operational integrity, and robust lender governance.
  • Focused on scaling credit utilization, optimizing revenue performance, and enabling data-driven credit personalization through deep analytics and automated reconciliation frameworks.
  • Committed to shaping the future of digital credit on UPI, combining innovation, compliance, and customer trust at scale.
Credit on UPILending Management SystemData-driven credit personalizationOperational integrityProduct ManagementProduct Strategy

Freecharge

2 roles

Senior Product Manager

Apr 2024 – Sep 2025 · 1 yr 5 mos · Mumbai, Maharashtra, India

Large Language Models (LLMs)Product StrategyCredit Card Product ManagementCustomer Experience DesignAI Product ManagementProduct Management

Product Manager

May 2021 – May 2024 · 3 yrs · Mumbai, Maharashtra, India

  • 1. Pioneered engagement layer for Digital Banking System, serving new and existing customers. Excellently managed customer lifecycle, prioritizing satisfaction and retention.
  • 2. Managing Axis Bank Credit Card Product, responsible for end-to-end product management of Internet Banking and Mobile Banking, including add Acquisition and servicing journeys, Credit Card Tracking, Payment, Limit Management, Portfolio Journeys (e.g., Credit Limit Increase, EMI Conversion, Instant Loan, Card Upgrades, Over Limit Increase, etc.).
  • 3. Aligned with consumer-first strategies, and collaborated with cross-functional teams (Research, UX, Engineering, Business, Marketing, Finance, and Operations) to deliver impactful products.
  • 4. Achievements include milestone projects such as ADD ON CARDS ACQUISITION & SERVICING, Credit Card Bill Payment, ATLAS(Offer Based CC), DIGITAL UNBOXING, FUNNEL OPTIMISATION, CARDS BENEFIT DASHBOARD.
  • 5. Implemented retention and growth products to increase transaction volume and attract new users to the platform.
User Experience (UX)Product ManagementProduct DesignStrategic PlanningBusiness Process ImprovementProduct Strategy

Atal innovation mission

Mentor of Change for Atal Tinkering Lab

Jun 2018 – Sep 2023 · 5 yrs 3 mos · Noida Area, India

  • Mentor India is a strategic nation-building initiative to engage leaders who can guide and mentor students in 900+ Atal Tinkering Labs that Atal Innovation Mission has established / is in the process of establishing across India.
  • These labs are non-prescriptive by nature, and mentors are expected to be enablers rather than instructors.
  • Possible areas of contribution could be, but not limited to:
  • a) Technical Knowhow: building prototypes,
  • b) Innovation and Design: inculcating solution oriented approach,
  • c) Inspirational: leadership and self-motivation, and
  • d) Business and Entrepreneurship: encouraging ideas and team building
  • e) Sounding board / guide, break stereotypes and bias to bring about mind set and behavioral change
User Experience (UX)

Expert tutes

Founder

Feb 2014 – Apr 2020 · 6 yrs 2 mos · Greater Noida · Remote

  • Online standard Video tutorials in Hindi with best precised study material which are so interactive that you'll fall in love with them and you can easily have an expertise it the topics.
  • Just check it our @ Expertutes.com
  • Dont forget to Like...Share and SUBSCRIBE!!
User Experience (UX)

Inikworld- developing ideas

Co Founder

Jan 2014 – Apr 2021 · 7 yrs 3 mos · Delhi NCR

  • InikWorld Technologies is a global leader in providing web designing & development; mobile application development, requirement based strategic software development and digital marketing solutions. In addition, we also offer customized business solutions for enterprises. The company carries the trust of more than 100 clients spread across diverse business domains.
  • With the development we believe in team work and 24X7 support & Maintenance to our clients.
  • We develop ideas and carve into best solutions for your business.
User Experience (UX)

Google

2 roles

Google Student Ambassador

Jun 2013 – Jul 2014 · 1 yr 1 mo

  • To act as a liason between Google and University.
  • My role as GSA (Google Student Ambassador) was to act as liaisons between Google and the IEC College .
  • I had:
  • Worked closely with local Google teams;
  • Hosted and organized events to create awareness about Google's products and brand;
  • Spread the word about competitions, boot camps, scholarships, and other similarly exciting opportunities;
  • Attended Google events as Google representatives;
  • Helped Google understand my campus' culture better;
  • Built relationships on campus with faculty members and student groups;
  • Tested products and features before anyone else; and
  • Promoted product use and new product launches among students.
User Experience (UX)

Student Ambassador Alumnus

May 2013 – Jul 2014 · 1 yr 2 mos

  • The Google Student Ambassador Program is an opportunity for students to act as liaisons between Google and their universities. These ambassadors:
  • Learn about innovative Google products and programs.
  • Plan and host fun events on campus.
  • Act as a campus contact for Google teams.
  • Help Google better understand each university’s culture.

Education

IEC Group of Institutions,Greater Noida

Bachelor of Technology (B.Tech.) — Computer Science Engineering

Jan 2011 – Jan 2014

St. Don Bosco School

12th — PCM

Jan 1997 – Jan 2011

Pranshu Srivastava - Co-Founder | Stackforce