Kumud Acharya

Discovered a 10% KYC drop-off across 60K+ monthly applications, stalling ~₹8.4 Cr in loan disbursals; diagnosed the root cause via interviews with 112 users, revealing no perceived value before tangible loan progress Boosted activations by 15%, recovering ~900 applicants monthly worth ~₹1.26 Cr, by relocating KYC after the third business rule engine check instead of the first; partnered with credit, business, and engineering teams Improved 60-day repeat-loan retention by 12% in an A/B test over one quarter by designing a borrower-focused feature suite spanning cross-sell, daily SIPs, insurance, and digital gold, with design and growth teams

Management Trainee – Product at LenDenClub (2025-04 – Present)

• Discovered a 10% KYC drop-off across 60K+ monthly applications, stalling ~₹8.4 Cr in loan disbursals; diagnosed the root cause via interviews with 112 users, revealing no perceived value before tangible loan progress
• Boosted activations by 15%, recovering ~900 applicants monthly worth ~₹1.26 Cr, by relocating KYC after the third business rule engine check instead of the first; partnered with credit, business, and engineering teams
• Improved 60-day repeat-loan retention by 12% in an A/B test over one quarter by designing a borrower-focused feature suite spanning cross-sell, daily SIPs, insurance, and digital gold, with design and growth teams
• Increased borrower DAU/MAU stickiness ratio by 18% across a controlled two-quarter test, pairing hyperpersonalized engagement nudges with in-app educational content on financial literacy and loan management
• Optimized credit policy logic across five Scienaptic-hosted business rule engines, resolving edge cases that stalled 150 to 200 profiles daily, cutting manual underwriting dependency and accelerating loan decisioning

Product Management Fellow at NextLeap (2025-01 – 2025-03)

• Developed end-to-end product skills by solving 9 real-world case studies across diverse problem domains, translating each into wireframes, PRDs, and system designs to simulate the full 0-to-1 product lifecycle
• Conceptualized standout case study solutions that consistently earned Top Fellow recognition, ranking in the top 5% of a 50+ member NextLeap cohort for strong product judgment and execution quality

Central Operations Intern at Pristyn Care (2024-04 – 2024-06)

• Enhanced day-to-day healthcare operations across 30+ partner hospitals in Pune and Mumbai, cutting surgery cancellations and rescheduling by 8% across ~600 monthly surgeries through tighter cross-functional coordination
• Optimized hospital operations by launching Scrum-based sprint planning alongside a standardized SOP rollout across 30+ partner hospitals, jointly reducing average patient turnaround time (TAT) by nearly two full hours
• Increased hospital chat app adoption by 25% by redesigning provider workflows, simplifying onboarding steps, and consistently running targeted monthly adoption campaigns across hospital staff and stakeholders
• Designed a standardized discharge workflow across 30+ partner hospitals, replacing fragmented manual coordination with a unified process, cutting average discharge time by 12% and improving patient experience

Master of Business Administration – Indian Institute of Management Sambalpur (2023-07 – 2025-04)

Bachelor of Technology – University of Engineering & Management (2018-07 – 2022-05)