Shaheen Xec

Results-driven Product Manager with 2.5+ years of experience in the BFSI sector, specialising in SME Lending at L&T Finance. Adept at bridging the gap between data, business strategy and on-ground execution with a proven track record of driving geo expansion, competitive intelligence and portfolio optimisation at scale. Independently launched 150+ business locations across India by architecting multi-parameter location evaluation frameworks and led the end-to-end execution of the CGTMSE integration project — expanding collateral-free lending access for SME borrowers.

Equally comfortable translating complex financial data into boardroom-ready MIS reports as I am collaborating cross-functionally with Sales, Credit, Policy and Compliance teams to align product decisions with real-world business outcomes. Backed by an MBA in Finance and proficient in Advanced Excel, Python, PowerPoint and AI applications in Finance, I bring both analytical rigour and strategic thinking to every product challenge. Actively seeking Product Manager or Business Analyst roles within BFSI and Fintech.

Product Manager | SME Loans at L&T Finance (2023-05 – 2025-11)

• Spearheaded end-to-end geo expansion strategy for SME Loans portfolio by evaluating 200+ prospective locations across multidimensional parameters — resulting in the successful launch of 150+ business locations across India and contributing to a remarkable milestone of Rs. 6500 Cr. in Booksize.
• Conducted structured competitive analysis mapping competitor presence, product positioning and geo-limit strategies (spoke vs. hub radius), enabling data-backed decisions on market entry sequencing.
• Designed and maintained daily MIS dashboards and performance reports tracking location level metrics — book size, delinquency, bounce rates, and disbursement trends for senior leadership, enabling real-time portfolio visibility and timely decision-making.
• Single-handedly conceptualised, planned, and executed the CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) integration project — enabling collateral-free lending access for SME borrowers, reducing credit risk exposure and broadening the addressable customer base.
• Drove spoke to hub conversion by developing an internally defined quantitative scoring model across credit quality and portfolio performance parameters converting 10+ locations and significantly expanding geographic coverage and loan book contribution.

Global Accounting Intern at Crowdstrike Inc. (2022-05 – 2022-07)

• Generated and managed C-suite level invoices for the Accounts Receivable team at a leading cybersecurity firm, ensuring accuracy, compliance, and timely delivery to senior stakeholders.
• Authored comprehensive Standard Operating Procedures (SOPs) and Process Definition Documents (PDDs) to streamline invoice generation workflows, reducing processing ambiguities and enabling team scalability.
• Collaborated cross-functionally with finance and compliance teams to reconcile invoice discrepancies, improving AR cycle efficiency and maintaining audit-ready records.

Career Development Break (2025-12 – Present)

Took a planned career break to attend to family responsibilities while simultaneously upskilling in Python, Scrum and AI applications — automating repetitive tasks and improving operational efficiency. Managed day-to-day operations of the family business, applying analytical and process-driven thinking to streamline workflows and support business continuity.

MBA in Finance – BIMM - Pune (2021-01 – 2023-01)

BBA in General – Saraswat Vidyalaya's - Goa (2017-01 – 2020-01)