Umang Gupta

Co-Founder

Bengaluru, Karnataka, India13 yrs 9 mos experience

Key Highlights

Built innovative payment infrastructure for AI agents.
Established India's first digital home loan refinancing marketplace.
Led product strategy and growth in multiple fintech roles.

Stackforce AI infers this person is a Fintech product leader with extensive experience in AI-driven payment solutions.

Contact

Skills

Core Skills

Product ManagementProduct LeadershipBusiness DevelopmentBusiness Strategy

Other Skills

Node.jsReactTypeScriptSupabaseGCP Cloud RunDockerCI/CDPartnership DevelopmentRegulatory ComplianceProduct StrategyCross-functional Team LeadershipP&L ManagementStrategy ExecutionGrowth HackingDigital Strategy

About

Currently exploring the AI agent payments space. Building MoltPe - payment infrastructure for AI agents. 670+ commits, 22 repos, SecurityHeaders.com grade A. All code written with AI tools (Claude Code). github.com/umg-gpt . The common thread: taking complex financial problems and turning them into products people/ agents actually use. Open to conversations around product leadership, business building, partnerships and early-stage ventures.

Experience

13 yrs 9 mos

Total Experience

2 yrs 8 mos

Average Tenure

3 mos

Current Experience

Exploring

Builder: AI + Fintech

Feb 2026 – Present · 3 mos

Built production AI agent payment infrastructure to go deep on the emerging x402/MCP/MPP stack:
Shipped moltpe.com - AI agents get isolated wallets with spending limits, pay for API calls autonomously via x402 protocol, controlled by Claude/ChatGPT via MCP
Integrated MPP (Machine Payments Protocol) for agent-to-agent and agent-to-service payment routing
Multi-chain payment settlement across L2 networks
670+ commits, 22 repos, 104k lines of code — solo-built using Claude Code and AI dev tools
SecurityHeaders.com Grade A, Mozilla Observatory B+, 0 critical vulnerabilities
Stack: Node.js, React, TypeScript, Supabase, GCP Cloud Run, Docker, CI/CD
13+ years in banking and fintech product - MSME credit, lending, regulatory frameworks (RBI) across Kotak Bank, Niyo, Refresh Fintech.
Looking for product roles in AI agent infrastructure, payment systems and AI-native fintech.

Node.jsReactTypeScriptSupabaseGCP Cloud RunDocker+3

Refresh money

Co-Founder

Jan 2024 – Jan 2026 · 2 yrs

Established partnership pipeline with leading banks and NBFCs to create India's first digital home loan refinancing marketplace
Developed RBI-compliant consent management and data-sharing protocols enabling multi-lender rate comparison, reducing refinancing cycle from 30+ days to under 7 days
Led product strategy, underwriting logic design and GTM for platform connecting homeowners with competitive refinancing offers; managed regulatory compliance and built 7-person cross-functional team
Incubated by RBIH (Reserve Bank Innovation Hub) and Antler

Partnership DevelopmentRegulatory ComplianceProduct StrategyCross-functional Team LeadershipProduct LeadershipBusiness Development

Iifl fintech

SVP - CPO

Aug 2023 – Jan 2024 · 5 mos

Business, Product and Tech

Product LeadershipBusiness StrategyP&L ManagementBusiness Development

Niyo solutions inc.

AVP, Product + Growth Lead

Jun 2022 – Jul 2023 · 1 yr 1 mo · Bengaluru

Led Business and Product Growth. Successfully managed bank partnerships and added more partnerships with leading banks.

Strategy ExecutionGrowth HackingDigital StrategyP&L ManagementProduct LeadershipBusiness Development

Kotak mahindra bank

Fintech Product Team Lead

Jan 2016 – Jan 2022 · 6 yrs · Mumbai Area, India

Spearheading Fintech Products (2019-22)
o Launched Prepaid instrument usecase “Spendz”, which will be a payment + neobank offering from Kotak – a secondary account proposition for expenses
o Xpress 2.0 Project - the individual onboarding process (VKYC/eKYC) for multiple products offered by bank
o Executed Sachet Xpress project – Phygital client onboarding Journey – ‘Sachet’ based onboarding
o Awarded Certificate of Excellence for successful launch of 'Xpress Project’
o Fintech partnership Initiative: leading the change to enable bank for partnerships with Fintechs.
o 0 to 1: Ideation, BRD writing, UX design on Balsamiq, Project mgmt, Compliance, Research, Marketing, Multiple cross functional stakeholder management
Product and Program Manager - Wealth segment (UHNI)
o Positioned Savings account from expense tool to investment asset class
o Result: Savings deposit book Doubled (Rs 32 bn to 68 bn) via initiatives like client engagement, primary banking activation (66% increase) and product penetrations.
o Took digital activation to 84% via DIY journeys, client engagement, D2C campaigns
o Successfully migrated clients to DIY digital banking (incl payments) during lockdown
Business Banking Product Manager (2016-18)
o Successfully managed Business Banking products/ portfolio: Current Account, Trade Forex, CMS, Payments-POS/PG, Working Capital Loans for MSMEs
o Ensured successful implementation of new products like POS, RERA, Start-up Account