Bengaluru, Karnataka, India
Product Manager with 7 years across fintech, building payments and banking infrastructure that moves money reliably at scale. Currently shipping payout platform products at RazorpayX, with deep experience in bank integrations, reliability engineering, and the unglamorous-but-critical work of making financial systems not break. Equally comfortable in a PRD, a SQL console, or a production codebase.
Led product for RazorpayX’s payout infrastructure - bank integrations, reliability, and platform capabilities powering business banking at scale. First PM in the business unit to independently ship production code to a live financial system. Not just vibe coding ;) 🚀 Shipped encrypted payout APIs (unlocking regulated entities), scaled India’s top UPI TPAPs to 100+ TPS, drove Global UPI player go-live on the platform, and took recon to 99.9%+ across three banks.
Owned bank partnerships for RazorpayX, negotiating commercials and driving integrations with public and private sector banks that became the backbone of the business banking stack. Onboarded and scaled relationships across IDFC FIRST, Yes Bank, Axis, and RBL - the partner foundation that RazorpayX still runs on today. Transitioned into Product Management on the back of this work, having seen the platform from the partner side first.
Building seamless digital foreclosure journey 🚀 & E2E communication strategy 💬 to achieve right channelling for all the vehicle loan customers over their lifetime Built a proactive mandate curing strategy at customer service touch point
Curtailed cost of acquisition by establishing new sources for leads, digital journey, extending pre-approved loans and launching employee referral program 💰 Built a LMS for quick turn around and enhanced workflow on the leads coming through existing and new channels 📝 Reduced the Turn-around Time for Pre-owned car loans (login to disbursal customer journey) from 12 days to 9 days by optimising the time spent in various stages of the journey 🚀 Modeled, tested and launched real-time business dashboard hosted on Salesforce Einstein Analytics application 📊
Worked with Tata Motors - Commercial vehicle division, Sales HQ Accompanying the annual online test for assessment of sales staff for dealerships pan India and derived reports with individual action plan. Automated the creation of performance model report of sales staffs with individual action plan for all the dealerships pan India. Used Visual Basic for Applications (VBA) in MS Excel for this automation. Creation of dashboards for monitoring KPIs of multiple programs administered for capability building function - productivity, training penetration, product-mix. Created the communication content and training materials for new and existing trainings ongoing for all the dealership sales staff.
Experienced one of the best manufacturing facilities in the world, HZMC which showcases a symphony of cutting edge equipment and technology, largest and heaviest capacities and skilled manpower. Scrutinizing the fabrication and manufacturing industry from one of the finest facility situated at Hazira. Understanding and working on supervision of various fabrication & pre-fabrication processes like Welding, Cutting, Rolling & Material Handling. Performing daily spot checks for critical and non-critical surfaces in waterboxes with specified parameters & material handling for supplementary processes.
CMPPL is a joint venture company of Ambuja Cements Ltd and Alcon group Goa. It is pioneer in the country for patented micro fine mineral additives technology. It has one of the world’s biggest dedicated manufacturing facilities of micro fine materials at Goa. (http://www.alccofine.com/about/) Worked with mechanical maintenance department. Both machine and tools used all over the manufacturing facility is maintained by this dept. Worked on scheduled maintenance protocol and making a document for central repository for end to end operations of department.