Kirti Gupta

Product Manager with 5+ years of experience building AI-driven decision systems and workflow automation platforms. Reduced loan approval time from 30+ hours to 2 hours, automated 70% of workflows, and enabled 5x business growth. Specialize in designing scalable, configurable systems that eliminate operational bottlenecks and empower teams to operate independently.

Progressed from Data Analyst to Product Manager, combining analytical depth with hands-on experience building products that automate decisions and operational workflows at scale.

Product Manager - Cars24

(2023-12 - 2026-04)

• Identified approval delays as a major contributor to applicant drop-offs and redesigned the Loan Origination System (LOS) end-to-end, reducing approval TAT from 30+ hours to ~2 hours across credit, operations, and customer touchpoints.
• Identified manual verification as the primary approval bottleneck and launched an automated decisioning journey, reducing decision time from ~4 hours to 30 minutes.
• Risk team needed engineering bandwidth for every policy change, slowing down credit decisions. Built a configurable rule engine that gave them full autonomy, cutting release cycles by ~80%.
• Vehicle inspection took 2 days and required physical presence. Digitized the entire flow, reducing valuation time to ~15 seconds and enabling a self-serve journey that removed a major drop-off point.
• Defined the automation strategy for the lending funnel, enabling ~70% straight-through processing with minimal human intervention.
• Owned end-to-end delivery of identity verification system processing 100K+ daily requests at ~95% accuracy, leading cross-functional execution.
• Pre-approved offer journeys had low visibility and poor conversion. Reworked the flow on the dealer platform, driving 5x login growth (1K to 5K) and 3x disbursals (500 to 1.5K).

Senior Business Analyst - Affine Analytics

(2022-03 - 2023-10)

• Game teams had no real-time visibility into live performance. Built KPI dashboards (Looker, SQL) that became the primary tool for bug detection and day-to-day product decisions.
• Revenue forecasting was largely guesswork. Built a prediction model that achieved ~10% MAPE and directly informed roadmap prioritization, contributing to ~2% revenue uplift.
• 23M players were being treated as one segment. Led clustering analysis that split the base into 7 actionable groups, improving retention by ~7% through targeted interventions.

Data Analyst - Arifortech Solution Pvt Ltd

(2021-01 - 2022-03)

• Prepared and validated critical datasets for the Indian Navy's Annual Report in MS Excel.
• Built Power BI dashboards with intent analysis to help senior stakeholders visualize operational trends and support data-driven decision-making.

Bachelor of Science (Hons.) - Mathematics - Delhi University (2017-05)