Apr 2023 – Oct 2025 · 2 yrs 6 mos · Bengaluru, Karnataka, India · On-site

• Spearheaded the development and successful launch of PhonePe's consumer lending product from inception and established seamless integrations with five strategic lending partners, including prominent banks and NBFCs
• Led the collaboration with internal stakeholders and senior executives from industry-leading lending partners to define and execute growth initiatives, resulting in a tenfold increase in monthly loan disbursals within just eight months
• Launched the Free Credit Score Checker Product, to support the growth of the consumer lending product to support the growth of the lending product
• Currently leading the scaling of PhonePe's consumer lending product suite to deliver a comprehensive and competitive solution

Aug 2021 – Mar 2023 · 1 yr 7 mos · Bengaluru, Karnataka, India · On-site

• Led the customer onboarding product strategy and execution. Overhauled the onboarding product architecture to reduce complexity, enhance traceability, and facilitate rapid experimentation, achieving a 67% increase in the end-to-end conversion rate.
• Collaborated closely with cross-functional teams (engineering, design, risk, compliance) to ensure a balanced approach to growth, risk management, and customer experience, resulting in a 12% reduction in fraud rate while maintaining a seamless user experience.
• Developed a versatile onboarding system capable of handling diverse business use cases through simple dashboard configurations, improving operational efficiency by 60% and reducing the need for custom development.

Dec 2020 – Jul 2021 · 7 mos · Bangalore Urban, Karnataka, India

• Product owner for new initiatives.
• Launched a new subject - Inspirational Math. Made the system scalable to handle more subjects in the future.
• Layed out the execution roadmap for Salesforce integration.
• Launched the product in the International market and built the system for scaling to international markets.
• Implemented a Dynamic Trial Allocation logic for efficient student-teacher allocation in trial classes.
• Integrated payment partners for EMI payments.

Oct 2019 – Dec 2022 · 3 yrs 2 mos · Bengaluru, Karnataka, India

• Bilzo is a digital receipt aggregator with a mission to eliminate paper receipts and contribute to the conservation of nature.
• One place for all receipts makes the consumers' life easier to find the receipt when needed.
• Helping Bilzo with Business strategy, Product roadmap, UX, and Partnerships for Integration.

Dec 2016 – Dec 2020 · 4 yrs · Bangalore

• Crafted the product road map for Growth based on customer research, data, and intuition and was responsible for its execution.
• 1. Overhauled the UI and UX of the mWeb with a radical change in design and tech to improve conversion rates.
• Resulted in an improvement of ~135% in overall conversion rate ('session started' to 'order placed successfully') among the paid traffic.
• 2. Improved UX on checkout gave a radical ~100% improvement in users logging in/signing up during checkout flow.
• 3. Product Owner for the project to manage Sales partners and leads
• Built a mobile app from scratch for sales partners to share leads and view the status leads in real-time
• Mobile and Web apps for internal teams to manage sales partners and leads.
• 4. Built multiple internal modules for marketing team
• a) Configure coupon codes with multiple parameters/conditions
• b) A dashboard to create Landing pages to address users from variety of ad campaigns
• 5. Product owner for a new product category - Men's Apparel Subscription - A new class of product in the industry.
• a) Leading the User Experience which includes the website, consumer app with a dashboard to manage the subscription
• b) Built multiple dashboards for different internal operations - Customer Support, Marketing, Warehouse operations, and logistics and trained all the teams on the same.
• c) Have performed every single operation of the agents in different teams for the initial few days to better understand realtime scenarios and created roadmap for further product pipeline.
• d) Integrated RFID tracking on assets for efficient warehouse operations
• 6. Implemented a self-service dashboard for customers to access subscribed products and place any kind of requests. Reduced load on inbound support by ~40%.
• 7. Streamlined the process of deposit settlement after customers close the subscription to improve transparency for customers in deposit settlement calculation and agents’ efficiency. Improved efficiency by 600%.

Sep 2015 – May 2016 · 8 mos · Mumbai Metropolitan Region

• Have been the Product owner for two product platforms at Chillr.
• 1. Chillr for Business - A product interface (mobile app and web) for offline businesses to accept payment through Chillr.
• Worked on the product from very early stage. Shipped and improved the product using behavior analytics and feedback from clients and other stake holders of the product.
• 2. Chillr MassPay - An enterprise solution for clients to securely automate payouts for better efficiency.
• Worked on this product from scratch. Got the product built in time and shipped the beta version and prepared the Product road map for next 3 versions of it, planned for execution in 2 months.

Feb 2015 – Aug 2015 · 6 mos · Greater Bengaluru Area

• Pot is the simplest way to collect photos among friends. Photo sharing until now has been one-to-one or one-to-many. Collecting photos of an event or a trip within a group from everyone-to-everyone in a group has never been so easier. Pot is the solution for this.
• Built and launched the beta product in about 6 months.
• Lead the Product and its Branding.

May 2014 – Aug 2015 · 1 yr 3 mos · Bangalore

• Zupit is a consumer facing mobile app aiming to reduce the queues at billing counters in retail stores. Conceptualized and Heading the product.

Jul 2012 – May 2014 · 1 yr 10 mos · Mumbai Metropolitan Region

• Worked as a Product Manager for one of the flagship products of Justdial's new Search Plus products called ShopFront - Justdial as an e-com market place. Handled complete front end and back end processes development of the product.

Apr 2011 – Jun 2011 · 2 mos · Bangalore

• Done Market research on Consumer Behavior and Competitor analysis on Online Advertising and came up with solutions to improve sales and worked with the product manager in introducing a new product.