Rashmi K.

Product Manager

Bengaluru, Karnataka, India6 yrs 11 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

Led onboarding journey for 1 million+ merchants.
Improved onboarding conversion rates from 45% to 60%.
Implemented AI-driven automation for document verification.

Stackforce AI infers this person is a Fintech Product Manager with expertise in onboarding strategies and regulatory compliance.

Contact

rashmi.arya156@gmail.com LinkedIn

Skills

Core Skills

Product ManagementOnboarding StrategyRegulatory ComplianceProject ManagementFinancial BenchmarkingConsultingSoftware DevelopmentAgile Project Management

Other Skills

Product Road MappingStakeholder ManagementKYC ComplianceAutomationData AnalysisData-driven Decision MakingManagement ConsultingAgile MethodologiesBusiness RequirementsWorkload PrioritizationDocument ManagementAnalyticsUser StoriesStrategic PlanningProduct Launch

About

Outcome-driven Product Manager with 6 years of experience across fintech and product roles. For the past 3 years at Paytm, I’ve been leading the end-to-end onboarding journey for offline retail merchants, driving flows across merchant discovery, sales pitch, KYC/KYB, quality checks, VPA creation, and QR/Soundbox mapping. I’ve worked on streamlining onboarding flows based on transaction limit tiers, improving conversion rates through RBI-compliant KYC processes, and implementing AI/LLM-driven automation for document verification and lead quality checks, managing a monthly volume of ~5 lakh leads. Previously, I spent three years as a software developer, building back-office systems for a fintech company. I hold a BTech from NIT Durgapur and an MBA from IIM Ahmedabad. Passionate about solving operationally complex problems at scale and building high-impact onboarding experiences.

Experience

6 yrs 11 mos

Total Experience

3 yrs 5 mos

Average Tenure

4 yrs

Current Experience

Paytm

2 roles

Senior Product Manager

Promoted

Apr 2025 – Present · 1 yr 1 mo

Product Road MappingStakeholder ManagementProduct ManagementOnboarding Strategy

Product Manager

May 2022 – Mar 2025 · 2 yrs 10 mos

Merchant Onboarding
Managing integrations of third-party banks’ KYC requirements into the existing merchant onboarding flow. Improved the onboarding conversion from 45% to 60%, meeting the pre-embargo numbers.
Integrated Digilocker into assisted onboarding flow for Aadhar verification, ensuring KYC compliance. Resulted in ∼80% server storage savings and boosted merchant’s address efficiency rate by ∼20%.
Reduced quality check TAT by 33% by bringing in automated checks and refining the use of third-party APIs in the onboarding flow, thus reducing the overall lead conversion cost by 40%.
Successfully managed ReKYC process for over 1 million active merchants in the semi-organized market, using assisted flows within a 45-day timeframe, adhering to RBI guidelines.
Improved merchant revisit journey to reduce non-targeted visits by providing agents the visibility of sales & service tasks and potential incentives; thereby increasing the agents productivity by ∼30%.
Designed solution to automate agent’s feedback form for merchant’s visit, saving ∼20% tech bandwidth/sprint
Go-to-Market: Third-party bank onboarding with a conversion rate of 60%. ReKYC with a completion rate of ∼70%. Successful Aadhar Digilocker verification in ∼75% of leads.
Competitor Benchmarking: Analyzed onboarding flows of two leading fintech players as a part of product strategy

Data-driven Decision MakingManagement ConsultingFinancial BenchmarkingConsulting

Accenture

Management Consulting Analyst

Apr 2021 – Jun 2021 · 2 mos · Gurugram, Haryana, India

Worked on competitor financial benchmarking in-house product in Liquidity and Solvency and ESG score modules.
Industry-level financial benchmarking for Postal & Parcel players, identifying growth drivers & opportunities.

Agile MethodologiesBusiness RequirementsSoftware DevelopmentAgile Project Management