Banhi Howladar

Product leader with 13+ years of experience (9 in Product Management) across fintech, lending, SaaS, and agritech, specializing in 0→1 platform builds and scale-stage growth for high-ambiguity, enterprise-scale problems. Currently own Piramal Finance's customer Identity Platform (Journey User Master & Dedupe) alongside charters spanning Co-Lending, Pricing, Promotions, and Communication Central. Track record of building ground up solutions for — app monetisation & engagement, fee income, x-sell, — backed by deep API/data fluency, close engineering partnership, and experience with hands-on exposure to applied ML model evaluation.

Comfortable owning ambiguous, high-stakes platform problems that sit at the intersection of customer trust, security, and experience.

Sr Product Manager at Piramal Finance (2023-07 – Present)

User Master, Dedupe, Co-lending, Pricing, Promotions, Comms, App-Monetization & Engagement, X-Sell

• Customer Identity master: Built & scaled canonical identity platform (User Master + Dedupe Engine), resolving fragmented identities across sources & improving data completeness from 78% → 99% & correctness from 80% → 95%
• Led AI-driven SDLC (AIDLC), reducing TAM from 2+sprints to 3–5 days through AI-assisted PRD, UX, dev, QA, & UAT
• Built an AI-driven frontend for an internal coupon management portal, enabling business users to create, manage, and deactivate promotional coupons, eliminating engineering dependency
• Scaled app monetization 0→1 by enabling app-led collections (₹130 Cr+), x-sell/upsell, driving ₹250 Cr+ disbursals
• Built in-house Fee Income Platform 0→1→100, achieving ₹11.8K in week 1 & scaling to ₹50 Cr+ income till date, reaching ₹40L/week run rate via multi-product, multi-channel expansion
• Built (0→1) & scaled X-sell platform (Offers, Prioritization, Nurturing, Slots), improving offer creation 80%→90% of eligible base and x-sell journey landing page conversions 2.9%→4%
• Drove engagement uplift (1.4 → 3 mins/session) through in-app journeys, notification entablement, credit report
• Defined & enabled alternate data capture via app permissions in Android (SMS, location) to reduce journey friction & enhance risk assessment, achieving ~80% user consent in pilot
• Leading 0→1 Pricing platform to drive +10 bps yield uplift without impacting customer take-up rates
• Leading co-lending platform evolution to enable partner-led digital disbursals, building the foundation for scaling across multiple products & partners with projected scale potential of ₹570 Cr+ quarterly disbursals
• Managing team of PMs, driving execution, prioritization, maintaining roadmap & strategic alignment

Product Manager at DeHaat Agritech (2021-12 – 2023-07)

DeHaat Business App (Android), KYC Platform, Retailer Financing

• Led identity platform & onboarding on customer app launching digital eKYC, reducing TAT by 70% & improving drop-offs
• Defined and scaled digital credit journey enabling day-0 financing and increasing partner financing adoption to 50%+
• Drove product-led monetization through prepaid ordering, improved cashflows & contributed to 30% GMV in H2FY24

Consultant Product Manager at Purple-Rain Technologies (2020-08 – 2021-11)

Limecall App (Web)

• Led a cross-functional global team of engineers, designers, & analysts to build the skill based call routing system
• Drove 22% NPS uplift by introducing guided walk-throughs and post-signup engagement

Product Manager (Customer Success) at Cleartax (2019-06 – 2020-05)

GST Software (Web)

• Redesigned GST Software homepage and customer workflows, increasing GST filing rates by 4.5% over 5 months
• Improved customer support operations through ticketing automation & SLA tracking, reducing resolution TAT by 7%
• Built the 0→1 self-serve checkout MVP, reducing dependency on sales-assisted onboarding

Product Manager at RoundGlass Gympik (2018-03 – 2019-06)

Gym Management Software, TraQade (Web+Android +iOS)

• Owned product strategy for Business app, delivering 15% subscription growth through high-impact feature launches
• Led 0→1 launch of consumer fitness apps (iOS/Android), achieving 4.3 Play Store rating, improved user experience

Associate Product Manager at Marax AI (2017-09 – 2018-03)

Churn Prediction Platform

• Conducted research and user interviews to identify a $5M+ market opportunity for B2C enterprises
• End-to-end POC rollout with data analysis, model testing (accuracy, precision, recall), and rapid iteration

Global Engagement Manager at HCL Technologies (2015-07 – 2017-09)

HCL ERS Division

• Handled 10 key customer accounts, premium opportunities worth $45Mn+ and overshot yearly target of $7Mn by 50%
• Constructed detailed CXO/CTO pitches, RFPs, P&Ls and RFQs by collaborating across engineering, legal & finance
• Awarded "Best performer" for handling the largest win in HCL Industrial resulting in revenue of $15Mn

Power Transformer Engineer at Bharat Heavy Electricals Ltd (2010-03 – 2013-05)

Transformer Engineering

• Designed $50M+ worth of power transformers, with a 37.5% tender conversion, winning $93M from $2.3B in bids
• Cut project costs by $10M through recoding obscure software design tools

Master of Business Administration (PGDM) – IIM Bangalore (2013 – 2015)

Bachelor of Technology – Birbhum Institute of Engineering & Technology (2005 – 2009)