Product Lead (Platform), Share.Market at PhonePe (2021-10 – Present)
Platform PM owning Transaction, Money Management, and Post-Transaction layers; built core platform 0→1 in first 2 years
- Onboarding & KYC: Re-architected onboarding by removing third-party dependencies — lifted funnel conversion by 40%, cut KYC cost by ~50%, and acquired >1L net-new-to-market investors.
- Trade execution: Built order platform delivering P95 E2E latency <120ms, TPS >8 at CTT <0.2%; compressed failure RTO from 1 hr → 15 min (4x faster recovery).
- Money movement: Drove UPI success rate to 85% and re-engineered payouts so 45% of requests settle in 7 hrs vs. industry-standard T+1 day, unlocking faster reinvestment cycles.
- In-house portfolio engine: Replaced 3P dependency with proprietary Holdings & Positions reporting (corporate-actions adjusted) — 99.1% holdings accuracy, 100% positions accuracy by 5 AM daily; cut failure RTO from 4 hrs → 30 min (8x faster).
- Risk & surveillance: Automated open-position surveillance, compressing margin square-off response from 10 min → <2 min (5x faster), materially reducing firm risk exposure.
- 0→1 & roadmap: Spearheaded Share.Market from ideation through MVP and market release; driving roadmap toward independent stockbroker qualification by 2027 and sustainable profitability by 2029.
Product Lead at WeInvest (2017-04 – 2021-10)
Built SaaS Wealth Management platform 0→1 for APAC; scaled product org and shipped enterprise wins across banks, AMCs, and brokers
- APAC enterprise launch: Conceptualised, designed, and shipped a configurable microservices-based SaaS Wealth Management platform — onboarded 2 major banks, 1 AMC, and 2 stock brokers across APAC.
- Org & team scale-up: Built product team from 0 → 10 (PMs, designers, analysts) while overall WeInvest org scaled from 10 → 150 (15x) during tenure, establishing front/middle/back-office capability under one roof.
- Democratised investing: Rolled out model portfolios with fractional shares and ETFs — launched in Singapore at SGD 100 minimum ticket, replicated across APAC markets to unlock mass-market retail access.
- In-house back-office: Replaced third-party back-office systems with a proprietary platform, cutting overall operating cost by 25% and eliminating vendor lock-in across front/middle/back-office workflows.
Product Manager at Scripbox (2015-10 – 2017-03)
- Funnel conversion 3x: Re-engineered customer onboarding in an era when the MF industry was paper-based — lifted funnel conversion 3x.
- In-house contact center 0→1: Built proprietary contact center suite for CS champions — +65% productivity, +35% CSAT, with zero Eng/Product dependency for routine ops changes.
Product Manager at Fiserv (incl. AdviceAmerica, acquired 2010) (2005-07 – 2015-09)
- Enterprise wins (US + Canada): Owned end-to-end client acquisition — RFI/RFP responses, product demos, and requirement discovery — to onboard 6 advisory firms across US and Canada.
- Digital plan-generation engine: Built financial plan generation engine supporting both goal-based and cash-flow-based planning — cut plan delivery turnaround by 80%.
