Chandra Gaur

Senior Product Manager with 10+ years of experience (7+ years in Product Management and ~3 years in Business Analyst roles), building and launching consumer products, and scaling fintech lending platforms across Airtel, Lendingkart, Safegold and Paytm. Proven track record of 0 to 1 product building & GTM craft, scaling platforms based business to ₹250Cr+ monthly disbursals and building products for 250M+ users. Expertise in credit lifecycle products, loan origination system, product-led growth, fintech partnerships, and B2B2C SAAS platform scalability.

Senior Product Manager at Airtel (2025-01 – Present)

• Own product strategy, roadmap, and growth for flagship fintech products including Co-branded Card and Gold Loan for credit lending using AI/ML-driven decisioning workflows to optimize user onboarding and activation within a 250M+ user ecosystem.
• Scaled Co-branded Card issuance to 30K+ cards/month against ~2.5M monthly top-of-funnel traffic, by optimizing the acquisition funnel across onboarding, eligibility checks, KYC, and payment journeys, driving ~₹50Cr of consumer-durable loans at partner stores with card activation.
• Improved card activation metrics (M1: 2x | M11: ~50%) across a 3 Lakh+ card base through an AI/ML recommendation model personalizing store deals and OEM offers by user credit history, alongside lifecycle engagement strategies, behavioral nudges, retargeting campaigns, and post-purchase journey optimization.
• Led phygital distribution strategy enabling offline card sourcing across 1,000+ Airtel retail stores and scaled Offline channel to ~15K cards issuance per month and reduced CAC by ~30%.
• Led EMI Card wallet setup and integration charter with Bajaj Finance partner for new and existing 3 Lacs+ cardholders, designing wallet verification and reconciliation journeys compliant with DLG and regulatory guidelines.
• Launched Gold Loan product (0 to 1 journey) in partnership with Bajaj Finance, designing acquisition journeys for multiple customer personas within Airtel's fintech ecosystem.
• Scaled Gold Loan disbursals to ~₹60Cr+ monthly, leveraging a 180M+ eligible user base through targeted acquisition funnels and product growth experiments.
• Designed AI-driven onboarding workflows for Gold Loan acquisition, improving funnel conversion by 3x and reducing drop-offs by ~35%.
• Owned documentation of user journeys, user stories, and acceptance criteria, also managed UAT cycles with QA and engineering, including release sign-off for the product line.
• Led a cross-functional team of 10+ across tech, QA, design, and analytics, including direct reports, driving alignment across Risk, Operations, Compliance, Legal, Business, and Partnerships.
• Got Recognised with best team award for Airtel & Bajaj Finance partnership and Individual performance award for Projects launch & delivery in Aug 2025 at Airtel.

Senior Product Manager at Lendingkart (2021-12 – 2025-01)

• Owned and scaled XLR8, a B2B2C SaaS Loan Origination System (LOS) powering unsecured MSME business loans across digital and assisted distribution channels.
• Managed the LOS platform used by 5,000+ channel partners, enabling ₹250Cr+ monthly unsecured loan disbursals across digital and assisted journeys.
• Designed an end-to-end API suite for partner onboarding and integrated LOS platform to Credit, LMS, Collections, and Co-Lending platforms, reduced partner onboarding time from weeks to days for API integration.
• Improved underwriting accuracy by integrating CIBIL bureau checks, Account Aggregator flows, and Perfios bank-statement analysis, strengthening BRE decisioning with Risk and Data Science teams, driving a 2x improvement in terms evaluation and sanctioning.
• Optimized partner payout workflows using Razorpay and Cashfree integrations, improving payout success rate and reducing reconciliation TAT from 3+ days to hours.
• Scaled the partner ecosystem to 30,000+ Sub-DSA partners across 10,000+ pincodes, expanding lead sourcing, document collection, FI verification, and collections capabilities via the LOS platform.
• Designed and launched an AI/ML recommendation-based DSA-to-Relationship Manager mapping system, improving terms-acceptance-to-KYC by ~25% and KYC-to-disbursal by ~10%.
• Improved self-service adoption and reduced manual service interactions while cutting DSA partner queries per disbursed loan from 10+ to under 5 by building self-serve application tracking, payout dashboards, and document upload & self-verification flows.
• Directly managed Product Managers and Operations teams members across a 15+ member cross-functional team including tech, qa, design and analytics.
• Got awarded as Product Champion for Q4 2024 and Q2 2022 at Lendingkart for xlr8 platform ownership & delivery.

Product Manager at Safegold (2020-11 – 2021-11)

• Managed a SaaS B2B2C platform for digital gold buying and selling used by retailers and distributors.
• Built a Jewellery exchange program enabling customers to convert digital gold to jewellery through partner stores, onboarding 10,000+ users via 50+ partners within 6 months.

Product Manager at Mamaearth (2020-06 – 2020-11)

• Managed product charters and operations for Mamaearth's D2C website, collaborating with Growth, Tech, design, Customer support, delivery and Operations teams to ensure product stability & scale.
• Reduced Order-to-Contact ratio by ~50% within 5 months through product-led improvements in customer journeys, by introducing self-serve workflows and building queries routing logic for customer support team.

Associate Product Manager at Paytm (2019-04 – 2020-06)

• Worked on Consumer fintech products for Loyalty points and wallet usage at Paytm for the consumer mobile app, with 1Bn+ downloads across Android Play Store and iOS App Store.
• Managed B2B2C SAAS Loyalty platform for merchants, retailers & distributors to earn & spend Paytm cash using working with cross-functional teams on feature launches and user adoption.

Senior Business Analyst at Affle (2016-03 – 2019-03)

• Built products based on client and sales team requirements and managed development with engineering team and project managers, operationally owning UI/UX, product enablement, and product delivery roadmap.
• Successfully created and launched multiple mobile and web products for clients across the US, UK, Middle East, and Singapore; led 100+ POCs for the sales team as a pre-sales business analyst.
• Led client requirements discussions to define RFQ and RFP, working directly with sales and business development teams to qualify leads and close commercial engagements.

B. Tech. in Computer Science Engineering – Regional College of Engineering, Research & Technology (2011-01 – 2015-01)