Oct 2024 – Sep 2025 · 11 mos · Bengaluru, Karnataka, India · On-site

• Spearheaded the ideation, development, and launch of 10+ industry-first features, driving a 3x product-led growth in just 8 months.
• Introduced a daily credit score refresh flow, resulting in a x% increase in daily retention.
• Revamped the app's UI/UX, transforming it from MVP to a comprehensive product, enhancing user engagement by x%.
• Automated the 'Raise Dispute Flow' for credit report errors, achieving an impressive NPS of 9.5 out of 10.
• And Others!

Apr 2023 – Oct 2024 · 1 yr 6 mos · Noida, Uttar Pradesh, India

• Building UPI at Paytm. Leading end to end UPI onboarding experience & UPI Profile Management System
• Building multi bank PSP model TPAP layer for Paytm UPI; owning user profile charter
• Revamped UPI onboarding flow; led to ~10% uptick in user onboarding funnel
• Launched Credit Card on UPI; enhanced OB flow to become industry leader by adding xM cards; contributed to 16M txn/month; launched smart linking flow for Paytm SBI co-branded Rupay credit card
• Built & launched multi ‘Bank & CC’ linking; accounts added per user increased by ~40%; 20% higher TPU
• Built & launched personalised UPI ID to curb user’s privacy concerns, garnering xM+ users adoption
• Created bank wise UPI ID feature for simultaneous receipt across accounts; expecting ~20% TPU uptick
• Built & launched Aadhaar based UPI onboarding flow with UPI PIN set/reset via Aadhaar OTP, reducing debit card dependency; ~5% increase in Set PIN funnel conversion, ~2% uptick in FT
• Integrated smart UPI number seeding feature in bank linking flow; 20% uptick in new user mapper seeding
• Revamped UPI & Payment Settings UI for comprehensive UPI settings view
• Worked on various NPCI led initiatives like UPI Lite, Rupay CC, Credit line, Wallet Interop, UPI International, etc.
• Implemented NPCI & RBI compliances for UPI, minimising user impact & strategy to recover impacted users
• Ideated & developed smart NPCI meta sync; for fastest industry launch of new banks features
• Improved device binding flow success rate by improving VMN & SIM slot selection intelligence; better error handling • Utilised phonebook contacts for referral-based user acquisition, increasing FT by ~5% in 6 months
• Optimised UPI pricing model to save ~₹22cr annual cost by intelligent txn routing for onus & P2PM; +7% SR

Apr 2021 – Mar 2023 · 1 yr 11 mos · Noida, Uttar Pradesh, India

Nov 2020 – Mar 2021 · 4 mos · Noida, Uttar Pradesh, India

• Led 3 member Analytics team & driving Money Transfer Analytics (viz. UPI, Wallet Payments etc.) for enhancing user experience, growth & retention with data driven insights. Helping team to make good quality data driven decisions !
• Working in the following domains -
• UPI User Onboarding Funnel
• Transactional Analysis & Success Rate Improvement
• Post txn experience & user churn
• UPI Pricing model & cost optimisation
• Mandates & Wallet Auto add money optimisation
• Metrics, dashboards ideation & implementation

Jun 2019 – Nov 2020 · 1 yr 5 mos · Bengaluru, Karnataka, India · On-site

• Responsible for end to end analytics from user acquisition to post fulfilment for medicine delivery, at-home health checks & Radiology business.
• 1. Acquisition -
• Set up and tracked metrics from scratch for monitoring and improving call conversion of the sales team, viz. lead inflow, connectivity, AHT, call count, incentives, agent bucketing, upsell, breaks and much more. Increased conversion from 18% to 24% in 5 months.
• 2. User & Order Journey -
• Tracked & improved Medicine ordering funnels with required inputs including analysing user behaviour on cart drop and different communication strategies.
• 3. Revenue -
• Performed CM1 analysis for medicine delivery and Health Assessment business to maximize CM1.
• Created monthly business plans to be presented to management, with targets intact.
• 4. Fulfilment -
• Used analytics in medicine delivery to reduce TAT of each event (from Order place to fulfilled).
• Built and tracked various metrics like zone wise fulfilment based on demand, bucketing of orders, hourly order pattern, app order flow, repeat orders etc.
• 5. Internal Product Analytics -
• Created monitoring & performance tracker tools from scratch for internal products, used by ops & sales teams.