Product Manager | Fintech | Digital Lending | 0→1 Products
I build and optimize digital products across lending, healthcare financing and consumer technology — working across customer experience, business workflows, technology and operations.
Application
LN-2401-8842
TAT
-80%
Automated
Checks
Adoption
85%+
Impact
Every figure below names what it measures, the window it covers and where it came from.
85%+
Adoption of the digital journey
Share of new Higher Education Loan applications submitted through the digital journey in the first 90 days after launch. Source: internal application reporting.
10 → 2 min
Short-term loan application time
Time to complete a short-term loan application, before and after the journey redesign and third-party API integrations — roughly an 80% reduction.
1
Journey taken 0→1
Higher Education Loan journey, taken from problem definition to a live end-to-end product with lending partners.
6+ years
Across business analysis, technology and product
2+ years
In product management
4 domains
Lending, health-tech, platform, consumer tech
Case studies
Products I've helped take from problem to production.
Additional projects
Self-directed case studies and product exercises — no shipped metrics to claim, but they're where I practise the thinking: framing, research, PRDs and metric trees.
Business model
Draft PRDs and user stories for new monetization surfaces on a free, 2B-user messaging product.
Mapped how WhatsApp earns today (Business API, UPI payments), then sized five candidate models — enterprise workspace, advertising, premium subscription, in-app gaming, payments depth — and wrote PRDs plus user stories for the ones that don't tax the core free experience.
The PM muscle: Monetizing without breaking trust: choosing the revenue surface that sits next to the habit instead of on top of it.
0→1 feature
Design a mentorship feature that connects people seeking career guidance with industry experts.
Ran a 20-person survey and 4 interviews, then used the findings to shape matching, mentor eligibility and engagement loops. 42.9% wanted to join as mentees, only 14.2% as mentors — so the design leans into supply scarcity and quality gating rather than assuming a balanced marketplace.
The PM muscle: Primary research changing the design: the interviews surfaced credibility as the real risk, not discovery.
PRD & wireframes
Write a PRD and wireframes for a mobile app serving Resident Welfare Association members and admins.
Full PRD: two user types (residents, admins), communication, maintenance requests, documents and events, plus explicit assumptions, dependencies and integration constraints with existing RWA systems — the parts most side-project PRDs skip.
The PM muscle: Writing a spec an engineer can argue with — stated assumptions, dependencies and out-of-scope, not just a feature wish-list.
Retention
Design an in-product communication hub so learners stop moving course discussions to WhatsApp and Telegram.
Framed the leak (learning happens off-platform, so engagement is invisible and retention suffers), built two personas around it, and specified direct messaging, topic groups, event scheduling and course integration as a single hub with a stated hypothesis on satisfaction and retention.
The PM muscle: Turning a vague 'add chat' ask into a retention hypothesis with a measurable claim.
Metrics design
Build the metrics dashboard for launching a new social app — here, one built for seniors.
Chose a north-star (monthly active elderly users) and laid supporting metrics beneath it across adoption, engagement, retention, community formation and satisfaction — including churn and NPS — with accessibility-first features that the metrics are meant to validate.
The PM muscle: Metric-tree discipline: one north-star, everything else earning its place as an input to it.
Engagement
Messaging usage with close contacts is declining. Design a feature that strengthens those relationships — with a Friendship Score.
Designed FunZone (games, shared quizzes, a memory book of past conversations) with a Friendship Score computed from interaction depth, plus user flows, wireframes and the database changes needed to support the score.
The PM muscle: Being honest about a scoring mechanic: a visible relationship score can motivate or quietly shame, so the flow keeps it private and progress-oriented.
Market research
Is the metaverse a credible future for education, or a hype cycle?
Sized the market (metaverse in education projected $3.9B → $19.3B by 2028, 37.7% CAGR) and validated demand with 50 survey responses and 10 interviews — 78.6% aware of the concept, 64.3% seeing potential in classrooms — then weighed adoption blockers against the opportunity.
The PM muscle: Separating market size from market readiness before recommending an investment.
Product thinking
The interesting part of product isn't what we built. It's why we built it.
Came up on · Higher Education Loan — 0→1
How do you reduce loan processing time without compromising risk controls?
My take: Balance Both
Use automation for deterministic checks, while keeping risk-sensitive decisions behind appropriate validation and controls.
Came up on · Higher Education Loan — 0→1
The full journey won't be ready for the launch date. What ships?
My take: Ship the core path
Launch the highest-volume applicant path and handle exceptions operationally. Real usage teaches you more about the edges than another month of specification.
Came up on · Digital Lending Integrations
A capability exists as a third-party service. Do you build it in-house?
My take: Integrate a provider
Integrate where the capability is a commodity and buy back the time for the parts that are actually differentiated — as long as you design for provider failure from day one.
Came up on · LOS Optimization
Operations are overloaded. Do you automate the work or make it visible first?
My take: Add visibility first
Without stage-level data you automate the loudest problem, not the largest one. Visibility is cheaper to build and usually reprioritises the roadmap.
Framework
A repeatable path from an ambiguous problem to a measured outcome.
Understand
Customer + Business + Operational Problem
Frame
Define the problem and success metrics
Discover
Research + Data + User Feedback
Prioritize
Impact × Effort × Risk
Build
PRD → UX → Engineering → UAT
Measure
Adoption → Conversion → TAT → Quality
01 Understand
Customer + Business + Operational Problem
02 Frame
Define the problem and success metrics
03 Discover
Research + Data + User Feedback
04 Prioritize
Impact × Effort × Risk
05 Build
PRD → UX → Engineering → UAT
06 Measure
Adoption → Conversion → TAT → Quality
Capabilities
What I bring to the table across product, fintech, data and delivery.
Product
Turning an ambiguous business problem into a scoped, sequenced, testable product plan.
Fintech
Domain depth in how a loan actually moves — and where risk, compliance and ops constrain design.
Data
Pulling my own numbers instead of waiting for a dashboard, mostly for funnel and stage analysis.
Collaboration
Keeping credit, risk, ops, engineering and partners moving against one definition of done.
Tools
Day-to-day workspace for specs, tracking, design review and reporting.
AI in my workflow
Not just for documentation — prototyping ideas, challenging assumptions and shortening the distance between an idea and something the team can react to.
About
If I had to describe my journey into product management in one sentence: I've always been fascinated by how a problem moves from “this is difficult” to “there has to be a better way.”
My career actually started on the business side, in IT staffing and client management — working with recruiters, clients and operations teams, and constantly asking the same questions. Why are we doing this manually? Why does this take so long? Can technology make it simpler?
That curiosity took me into Business Analysis, much closer to technology: understanding business problems, mapping processes, writing requirements and working with engineering to turn them into solutions. That's also where I realised I didn't just want to document problems — I wanted to own them and decide what we should build.
Since then I've worked across media tech, healthcare and fintech. Fintech is where I found my sweet spot, because lending journeys sit at the intersection of customer experience, business rules, technology, risk, operations and compliance. One small change in the journey can move things meaningfully for both the customer and the business.
Today I'm a Product Manager at PhysicsWallah on the FinZ lending platform. Taking the Higher Education Loan product from 0 to 1 wasn't about building screens — it was working out how multiple applicants move through a journey, how dynamic information gets captured, how systems talk to each other, and how operations actually run it at scale. We launched, and within 90 days the digital journey reached 85%+ adoption.
The project that shaped my thinking most was the short-term loan journey. The application took around 10 minutes. Instead of treating it as a technology problem, I looked at the whole journey: where users spent time, what could be automated, which integrations were slowing us down, and which steps were genuinely adding value. Redesigning the flow and integrating third-party APIs brought it down to roughly 2 minutes.
For me, product management isn't about writing PRDs or managing Jira tickets. It's about finding the friction, understanding why it exists, and bringing the right people together to remove it.
In short
I started by understanding business problems, moved into solving them through technology, and today I own them end to end — going from “here's the problem” to “here's what we should build, here's why, and here's the impact it created.”
Career path
IT staffing & client management
Working with recruiters, clients and ops — and asking why so much of it was manual
Business Analysis
Closer to technology: mapping processes, writing requirements, shipping with engineers
Media tech
First taste of owning a product surface, not just documenting it
Health-tech
Financing journeys under real-world, high-pressure constraints
Fintech — PhysicsWallah (FinZ)
Digital lending: 0→1 journeys, LOS, integrations and operations at scale
Resume
Download my resume for a concise view of my experience, products and impact.
I'm always interested in conversations around product, fintech, digital lending, AI and building better customer experiences.