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ABOUT

About Me

I am an experienced product leader with over 8 years of expertise in building and scaling B2C and B2B products across FinTech, Lending, AI, E-commerce, Insurance, Payments, and SaaS domains. My journey has been driven by a passion for solving complex problems, enhancing user experience, and creating impactful financial products.

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Throughout my career, I have led cross-functional teams and launched multiple products from 0 to 1 and 1 to 10, focusing on growth, strategy, and innovation. My expertise spans across supply chain financing, receivables management, digital lending, insurance, AI-driven underwriting, and payment solutions.

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Currently, I lead product strategy and roadmap at Biz2Credit, where I am spearheading the development of Supply Chain Financing and MSME lending products. Previously, I played a pivotal role at Kinara Capital, Hero FinCorp & SuperMoney, driving loan origination system, loan management systems, collections management system embedded finance solutions, and digital lending platforms.

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I am always excited about leveraging technology, data, and design thinking to create scalable, user-centric solutions that drive business growth and financial inclusion.

 

Feel free to connect with me to discuss product strategy, fintech innovations, or collaboration opportunities.

Key Products & Innovations

Image by Norbert Kundrak

Supply Chain Finance (SCF)

Image by Tierra Mallorca

Line of Credit (LOC)

  • Developed different Supply Chain Finance products like Invoice Discounting, Factoring, Reverse Factoring, Supplier Financing, Import Financing, Export Financing, Inventory Financing etc.

  • Launched Embedded Finance & BNPL product by tied up with different marketplaces like JioMart, AJIO, NinjaKart, Reliance Digital, P&G, Marico, Coca-Cola etc.

  • Led GTM strategy for SCF and initiated partnership with different anchors, channel partners & marketplaces to drive adoption of supply chain financing product

  • Created AI based invoice management module for smart processing of invoices & purchase orders

  • Launched Line of Credit (LOC) product for MSME merchants to provide them a revolving limit to manage seasonal fluctuation of cash flows

  • Developed Cash Credit (CC) and Overdraft (OD) limit for Amazon and Flipkart merchants in collaboration with EnKash

  • Spearheaded development of pre-approved overdraft facility for salaried individuals basis their monthly income

  • Performed market research and competitive analysis to develop the features related to user persona leading to 30% increase in adoption rate and more than 75% utilisation ratio

Business representative

Term Loan

Image by Nathana Rebouças

Payment

  • Developed Loan Against Property (LAP ) product for business to provide them high ticket loans against residential, commercial, industrial properties and plots

  • Released Personal Loan product (SimplyCash) to provide instant financing to the retail customer for their needs

  • Developed ML based model to define eligible leads for personal loan from other products like Vehicle Loan, Line of Credit etc.

  • Launched Rooftop Solar Finance (RTS) product for commercial and residential places and created AI based solar project monitoring module for underwriters

  • Implemented UPI Payment, Bharat Bill Payment System (BBPS) and Dynamic QR Code based payment

  • Developed credit and debit card based payment options including technical architecture and required tokenisation

  • Launched subscription based payment option and auto-debit facility for registered NACH mandate

  • Implemented effective settlement system and reconciliation mechanism

  • Created necessary automations to identify the payment failure and take actions accordingly without any manual intervention

Image by Myriam Jessier

Loan Origination System (LOS)

Image by charlesdeluvio

Loan Management System (LMS)

  • Prepared SmartDash, Loan Origination System (LOS) to enable Sales, Call Centre, KYC, Credit, Ops & Finance teams to process loans quickly & efficiently decreasing average loan processing time from 1 day to 10 min

  • Implemented system defined auto-knockoff and system defined loan amount by triangulating the different data points form different sources by drastically reducing loan sanction TAT

  • Built in-house CRM for effective lead management and lead nurturing 

  • Released in-house Loan Management System (LMS) having the features of Customer Management, Loan Booking & Maintenance, Accounting, Charges & Fees, Closure & Foreclosure, Disbursement, Repayment, Settlement, Restructure, Write-off, Refund, Co-lending, FLDG, Reporting etc. optimising BizOps & Finance team productivity by 30% and reducing TAT by 20%

  • Integrated with FinnOne and Finflux LMS and implemented different features in that

Image by Markus Spiske

AI & ML Innovations

Image by Webstacks

Software as a Service (SaaS)

  • Build AI based Underwriting Bot to assist the credit underwriters with any kind of queries

  • Developed AI powered BizBot to create in-house risk scoring for the applications helping the underwriters to take decision quickly

  • Launched AI & ML based collections strategy to ensure timely repayment from the customer​

  • Created Gen AI based chatbot for helping the callcenter executives to get the answers of the queries instantly

  • Conceptualised a metadata layer to map data across different geographies to create a single base product for different regions like India, GCC, KSA and USA resulting in very low time TTM

  • Launched different SaaS platforms like Collections Management System, Rule Engine, LOS, LMS etc.

  • Implemented in house no code platform where basis drag and drop customer onboarding workflow/ underwriting workflow/ loan processing workflow/ collections strategy can be defined

Image by Gabriel Meinert

Collections Management System

Image by Vlad Deep

Insurance (General, Life, Vehicle)

  • Implemented Collections Management System (CMS) to streamline workflows for collections agents and entities, resulting in a 20% reduction in overdue accounts

  • Introduced field agent app and AI-driven repayment behaviour insights, optimising agent productivity by 20%

  • Developed a robust legal and litigation module in CMS, automating NPA recovery workflows, legal notice generation, and case tracking and improving compliance

  • Forged strategic partnerships with multiple insurance providers to embed health & general insurance into Biz2X’s lending ecosystem

  • Tied up with insurance partners like Aditya Birla & Kotak to provide health insurance benefits to the borrowers by managing underwriting, disbursement, policy management, claim settlement

  • Released Vehicle Insurance product including comprehensive, third party, own damage, zero depreciation, electric car insurances to facilitate fleet owners for obtaining new RC or renew RC

Image by Leon Seibert

Consumer Internet

Image by Windows

Portfolio Monitoring

  • Led the development of customer-centric features, optimizing product discovery, checkout, and post-purchase experience to enhance conversion rates

  • Implemented AI-driven recommendation engines, improving user engagement and increasing average order value (AOV) by 15%

  • Optimised checkout experience, reducing cart abandonment and improving fulfilment efficiency.

  • Developed a portfolio monitoring product to track credit risk, borrower performance, and early warning signals, enhancing decision-making for financial institutions

  • Designed automated dashboards and reporting tools, enabling real-time portfolio insights and proactive risk management

  • Collaborated with risk teams and analysts to integrate advanced analytics, improving credit quality assessment and portfolio optimisation

Image by Michael Fousert

Dealership Mgmt. | Automobile

Image by micheile henderson

Order and Refund Management

  • Developed portal for dealers of a major Japanese automobile client consisting of Pre-Sales, Sales, Finance, Insurance, CRM modules enabling them to manage customer sales cycle, update inventory and resolve queries from the customers

  • Created pricing module to dynamically calculate pricing (Ex-Showroom and On-Road) for different car models​

  • Launched SPPOP module to organise different events at dealership places for loyal customers

  • Created order management module to effectively manage orders placed by merchants and also tracked order delivery status

  • Developed refund and return process where if the customer is not satisfied he would be able request for returning the delivered product and ask for refund

  • Implemented settlement module where basis the return type and  return raised timing the refund amount and settlement amount would be calculated dynamically​

Need more details? Contact me

Have questions or a product idea? Let’s discuss how we can build something great together!

Copyright © 2025 Subhadip. All Rights Reserved.

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