RESUME
Resume
Experience
2023 - Present
Senior Product Manager
Biz2Credit Inc.
Noida, Uttar Pradesh
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Spearheaded development and successful launch of Loan Against Property (LAP) product, contributing to 20% increase in loan portfolio value
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Built and launched Supply Chain Finance product to enhance cash flow for small businesses. Led client demonstrations and pre-sales discussions, resulting in onboarding 3 clients within 6 months
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Spearheaded the Go-To-Market (GTM) strategy for Supply Chain Finance solution, expanding adoption via anchors, banks, NBFCs, & marketplaces
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Developed an GenAI powered underwriting bot that reduced credit underwriting time by 30% and improved decision accuracy by 20%
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Released Loan Management System (LMS) having customer management, loan booking, accounting, charges & fees, closure & foreclosure, disbursement, repayment, settlement, restructure, write-off, refund, co-lending, FLDG, reporting etc. optimising finance team productivity by 30%
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Revamped B2C customer app for a NBFC simplifying user onboarding journey and implementing features like loan details, pay online, sales & service chatbot, engagement programs, loyalty & rewards, networking etc. This increased customer acquisition rate by 40% and retention rate by 15%
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Revamped Collections Management System (CMS) to help collections agents and entities to receive timely payment
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Led development of AI based Portfolio Monitoring framework, enabling risk measures & early warning triggers decreasing delinquency rate by 2x
2021 - 2023
Senior Product Manager
Supermoney
Mumbai, Maharashtra
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Launched Supply Chain Financing product aiming at providing easy access of working capital to retailers based on unpaid invoices to improve their cash flow and profitability. Generated 200+ Cr. monthly loan disbursal
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Built Vehicle Insurance product to provide weekly/ bi-weekly installment loan to fleet owners to avail new vehicle RC or to renew any previous expired vehicle RC. Achieved 15% profit margin from vehicle insurance
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Released SmartCollect, Receivable Management SaaS product improving on time repayment rate by 40%
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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
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Created loan journey for FinFlux LMS and synced with LOS resulting in increasing efficiency of finance by 60%
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Implemented revolving limit products like Cash Credit (CC), Overdraft (OD) and Dropline Overdraft for Flipkart and Amazon merchants
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Spearheaded development and successful launch of Loan Against Property (LAP) product, contributing to 25% increase in loan portfolio value
2020 - 2021
Product Manager
Hero FinCorp
Vasant Vihar, Delhi
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Launched SimplyCash, B2C Personal Loan app to provide instant cash upto Rs. 1,50,000 for education, family function, medical emergencies, travel, home repair etc. Acquired 70,000 customers within first 6 months
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Monitored industry trends and identified competitor strategy to implement features like digital KYC, scorecard, automated credit decisioning resulting in 25% increase in customer base for Personal Loan
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Released Medical Health Insurance product aiming at providing affordable financing option to COVID affected persons to buy health insurance. Facilitates HFCL to sell 2000+ health insurances in first 6 months
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Designed Payment module including technical architecture facilitating repayment through Net Banking, Debit Card, UPI & Wallet resulting in increasing payment success rate by 30%
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Developed new features in Salesforce CRM improving lead conversion by 2x and optimising sales team productivity
2015 - 2019
Product Developer (Product Owner)
Infosys Ltd.
Bengaluru, Karnataka
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Developed CTDMS to provide a web portal for dealers consisting of Pre-Sales, Sales, Finance, Insurance, CRM modules enabling them to manage customer sales cycle, update inventory resulting in increasing revenue by 10%
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Co-ordinated with different stakeholders like Business, Marketing, Finance, Operations, Engineering, Design to create Business Requirement Document (BRD) and detailed out functional specs for each user story
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Conducted Sprint Planning and Sprint Review on regular basis improving task completion rate in each sprint by 20%
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Spearheaded full-stack development of dealership management system by using Java, Hibernate, Struts, JSP, JSS, HTML & CSS, enhancing system scalability and user experience
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Integrated new features in CRM & SPPOP modules with a special focus on HNI Customers increasing customer retention rate by 15%
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Performed Dealership Analysis and developed Automated Dealership Handling Module which increased efficiency of dealers by 10%
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Created robust API structure to integrate with lending partners for offering loans and with insurance partners for providing vehicle insurance
Education
Academics
2019 - 2021
Indian Institute of Foreign Trade, Delhi
MBA (International Business)
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Specifications:
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Major: Finance, Marketing
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Minor: Strategy, IT
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Grade: 2.72/ 4.00
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Corporate Competitions:
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National finalist in Amazon Customer Excellence (ACE) challenge. Proposed a strategy to onboard MSME in Amazon platform & to reduce churn rate of existing platform merchants
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Campus finalist in Reckitt Benckiser Global Challenge. Proposed a product which would cater health and hygiene woes of Indian population
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Winner in Clepsydra, national product management competition. Implemented POC of a product for opening multipurpose gymnasium in India
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National finalist in Colgate Transcend. Proposed plan for Colgate to venture into D2C channel & revolutionalize its supply chain
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IIFT Bhawan, Delhi
2011 - 2015
Heritage Institute of Technology
B.Tech. (ECE)
Kolkata, West Bengal
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Specifications:
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Major: Electronics & Communication Engineering (ECE)
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Minor: Computer Science (CSE)
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Grade: 8.57/ 10
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Extra Curricular:
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Supervised and managed the whole placement process as a member of placement committee. Invited 20 companies for campus placement
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Undertook initiatives to conduct ECLECIA, annual cultural event at HIT Kolkata. Conducted guest lectures & IEEE summits.
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Skills & Certifications
Certifications
Professional Scrum Master (PSM)
Scrum.org
AI For Everyone
DeepLearning.AI
Master in Cards & Payments
Udemy
AWS Certified Cloud Practitioner
Amazon Web Services (AWS)
Professional Scrum Product Owner (PSPO)
Scrum.org
International Certificate in Product Mgmt.
Institute of Product Leadership
Tokenisation & Encryption in Payments
Global FinTech Academy
UX and UI Design
Product Skills
Product Strategy
Product Roadmap
Product Design
Problem Solving
Mockup/ Wireframing
UI/ UX Design
Market Research
Competitive Analysis
A/B Testing
Program Management
Project Management
Agile/ Scrum
Data Analysis
Business Analysis
Go-to-Market Strategy
Product Growth
Team Management
Leadership
Technical Skills
API Integration
SQL
NoSQL/ MongoDB
AWS
Google Cloud
System Design
Java
Python
SFDC/ Salesforce Admin
HTML
CSS
JavaScript
Machine Learning
Artificial Intelligence
Generative AI
Large Language Model (LLM)
RAG
Conversational AI
Struts
JSP/ JSS
Hibernate
Jenkins
CI/ CD
Docker