Harshu Taneja

Product Manager with 6+ years of experience across FinTech, Payments, Digital Lending, Credit Cards and B2B/B2C digital products. Experienced in product strategy, roadmap planning, requirements, API and partner integrations, payment and repayment journeys, customer onboarding, journey optimization, analytics and Agile delivery. Strong experience working with Engineering, Business, Risk, Analytics, Operations and external partners to deliver customer-facing and platform capabilities.

Hands-on understanding of payment flows, transaction processing, integrations, collections/repayments and digital lending lifecycle, with a data-driven approach to product decisions and optimization.

Product Manager (Lending COE) at Bajaj Finserv Direct Limited (2025-03 – Present)

• Own product backlog for B2B partner-facing platforms and B2C digital products, aligning product priorities with business objectives and customer needs.
• Gather requirements, prepare PRDs, user stories and acceptance criteria, and prioritize features based on customer impact, business value and feasibility.
• Collaborate with Engineering, Business, Analytics, Risk, QA, Operations and Lending Partners to deliver scalable digital product capabilities.
• Work across digital journeys, partner integrations, APIs and payment-related customer flows supporting the broader lending lifecycle.
• Lead Sprint Planning, Backlog Grooming, Sprint Reviews, UAT and release activities in Agile environments.
• Delivered workflow automation capabilities contributing to 8% increase in revenue.
• Analyzed customer journeys using Adobe Analytics and identified drop-offs, driving product enhancements that improved conversion by 12%.
• Owned acquisition, onboarding and conversion funnels across the end-to-end digital lending journey.
• Delivered AI-powered targeting and personalization capabilities, improving customer conversion by 18%.
• Monitored product KPIs, customer feedback and journey performance to identify continuous product improvement opportunities.

Product Owner – Credit Cards (Repayments & Risk) at FPL Technologies (2023-08 – 2025-03)

• Managed credit card repayment, payment and risk product capabilities supporting a ₹1,600 Cr+ portfolio.
• Owned product enhancements across credit card repayment and payment journeys, working closely with Engineering, Analytics and Business teams.
• Worked on payment flows, API integrations and real-time payment processing, including partner integrations and reporting capabilities.
• Developed fraud detection and credit risk workflows, reducing turnaround time by 40%.
• Delivered repayment analytics and recovery workflow automation contributing to ₹90+ Cr recoveries.
• Worked across payment/repayment lifecycle scenarios, including transaction flows, partner integrations, exceptions and operational processes.
• Led Sprint Planning, Backlog Refinement, UAT and release coordination for product enhancements.
• Used customer and transaction analytics to improve repayment experience and operational efficiency

Senior Process Associate at Cognizant Technology Solution (2022-04 – 2023-06)

• Worked on payment-related processes and transaction operations, supporting business and customer-facing payment workflows.
• Improved operational workflows through process optimization and data analysis.
• Collaborated with cross-functional teams to improve payment/service delivery and operational efficiency.
• Reduced response time by 30% while improving customer satisfaction by 20%.

Analyst at eClerx Services (2020-01 – 2022-03)

• Supported product/business teams across operational processes, UAT, production validation and issue resolution.
• Automated manual validation processes, improving operational efficiency by 25%.
• Supported feature launches, production validation, reporting and operational improvements.

Data Science and Machine Learning – Scaler by InterviewBit (2022-10 – 2024-07)

Bachelor of Commerce in Commerce, Finance and Business Studies – North Maharashtra University (2016-08 – 2019-08)