Senior Product Owner (Contract) at LegacyNote (2025-10 – Present)
Consumer SaaS platform for digital estate planning, document storage, and distribution with Post-Quantum Encryption
- Own the product vision and multi-year delivery roadmap for a high-security digital asset platform, translating encryption and ledger requirements into a scalable production architecture.
- Define product strategy and prioritise the backlog based on user research, business viability constraints, and data privacy compliance requirements.
- Lead end-to-end product lifecycle from problem framing through launch planning, balancing MVP scope, technical feasibility, and GTM timing in a zero-to-one build environment.
- Establish success metrics and engineering quality standards to validate product-market fit and ensure zero-defect releases for sensitive data distributions.
Product Owner, Agentic AI (MBA Internship) at ThreeDot (2025-07 – 2025-09)
Aviation and air travel strategy consultancy advising airlines, travel-tech, and investors on digital transformation
- Designed and shipped an Agentic AI research MVP for market research automation, reducing manual research cycles by 80% and improving data accuracy by 30% via a multi-LLM framework with dynamic RAG and Pinecone vector storage.
- Owned functional requirements and technical trade-offs, iterating from no-code prototypes to advanced multi-agent systems with a Human-in-the-Loop (HITL) framework to enhance reliability and scalability.
- Established measurable quality metrics and achieved a 30% reduction in output errors through iterative experimentation; authored a commercial business case securing the initiative in the FY26 technology roadmap.
Product Manager at Kroger (ZopSmart Technology) (2022-06 – 2024-09)
Technology partner to Kroger, the largest grocery retailer in the USA ($150B+ revenue); Kroger – U.S. Bank credit card and loyalty ecosystem
- Owned the product roadmap and backlog for the Kroger Personal Finance loyalty enrolment platform, supporting 10+ co-branded card programmes across Kroger subsidiaries (Fred Meyer, Harris Teeter, etc.) enrolling 100,000+ customers per month.
- Spearheaded migration of the legacy loyalty enrolment engine to serverless Azure cloud, managing multi-million-dollar downtime risks and achieving 99% availability with multi-million-dollar cost savings through reduced payment errors and fines.
- Launched two credit-card-linked fuel rewards programmes across Kroger subsidiaries, achieving 2M+ registrations within three quarters and generating multi-million-dollar incremental revenue.
- Built a B2B API platform enabling third-party partners to embed Kroger rewards into their ecosystems; led technical due diligence, defined API contracts, and delivered a beta launch with 3 partners and 50,000 users across fantasy sports and entertainment platforms.
- Standardised API data contracts to ensure 100% data consistency across distributed systems and reduced release cycle times by 20%; defined and prioritised backlogs using operational metrics, partner feedback, and business impact.
Product Consultant at Thence (2021-08 – 2022-06)
Product consulting company designing and building digital products for Fortune 500 enterprises and startups
- Spearheaded UX transformation for Northern Arc Capital's Altifi debt investment platform, increasing user acquisition by 35% through design thinking and improved technical workflows.
- Conceptualised and launched a SaaS-based UI testing automation tool, reducing testing timeframes by 50% and securing its inclusion in the company's long-term product roadmap as a scalable revenue source.
- Designed and delivered 10+ proofs of concept for enterprise clients including Glance, OnePlus, Visa, Western Union, TITAN, and Mahindra, securing long-term engagements.
Product Manager, Lending and Risk at KredX (2020-09 – 2021-08)
India's largest supply-chain finance and invoice-discounting platform (backed by Sequoia and Tiger Global)
- Built an ML and OCR risk assessment module for vendor onboarding, achieving 40% automation and reducing operational turnaround time by 30%, directly increasing capital disbursal throughput.
- Launched two vendor-specific working capital and growth capital products, driving 25% quarter-on-quarter growth in capital disbursals in a regulated SME financing environment.
Product Manager, Digital Banking at Fincare Small Finance Bank (2019-05 – 2020-09)
Regulated retail bank focused on financial inclusion through digital banking services
- Launched a full-service multilingual banking app (Android and iOS) in 10 regional languages from scratch, scaling the customer base from 80,000 to 1M+ in 9 months (33% average month-on-month growth) with 10X growth in transaction volume and zero RBI compliance incidents.
- Owned a multi-product roadmap across mobile and web self-service portal, sequencing delivery of 20+ features including UPI, utility bill payments, and mutual fund buying while maintaining full RBI compliance.
- Revamped app UX/UI and integrated an ML-powered analytics suite, producing a 30% increase in monthly transactions and shifting 15% of branch transactions to digital self-service.
Founding Product Manager, Payments at HappyPerks (2018-03 – 2019-04)
Fintech startup in employee benefits and prepaid card platform for corporate expense and rewards management
- Designed and built the underlying ledger logic for a multi-wallet prepaid card system from scratch, defining debit/credit mechanics, transaction state flows (pending, settled, failed), and cross-wallet reconciliation processes.
- Architected distinct balance pools with top-up flows, fund transfer capabilities, and real-time balance management across multiple wallet types, reducing corporate cash handling by 50%.
- Developed an intelligent transaction tagging system with auto-debit features, reducing payment disputes by 18% and improving reconciliation accuracy; led beta launch onboarding 500+ users across 3 companies.
Product Marketing Manager at PaisaWapas (2017-03 – 2018-03)
India's top cashback and coupon marketplace with 20M+ members
- Delivered new features on the PW app and website in collaboration with engineering and design, driving 10 to 15% monthly growth in user engagement.
- Executed performance marketing campaigns achieving a 35% monthly revenue increase; managed 500+ interns across 100+ colleges to launch affiliate marketing initiatives.
Founding Product Operations Manager at Slice Bank (2016-03 – 2017-03)
Consumer credit and payments platform (fintech unicorn, now Slice Small Finance Bank, valued at $2B+)
- Built and led a 20-member operations team focused on customer insights and risk mitigation, reducing NPAs to under 0.75% and cutting NPA rates by 50% by identifying borrower behavioural trends.
- Developed NPS and CSAT frameworks using Mixpanel, increasing customer retention by 35%; fed operational and transaction insights back into product and underwriting process improvements.
Founder and Head of Operations at Trex Adventures and Retail (2011-04 – 2016-06)
Outdoor expeditions and equipment retail startup
- Founded and scaled the business during university, growing annual revenue by 45% over four years through strategic partnerships and targeted marketing.
- Forged partnerships to boost outdoor equipment and clothing sales
