Smritinjoy Das

Product leader with 9+ years building and scaling high-volume fintech products, currently owning the UPI P2M consumer roadmap at Paytm for 17M+ daily active users — nearly 60% of Paytm's UPI volume — across retention, transaction success rate, monetization, and reliability. Delivered multiple 0-to-1 launches — UPI Lite, RuPay Credit Card on UPI, and Lite Auto Top-up — and led the P2M platform migration to the TPAP model, with deep expertise in payments platforms, NPCI integrations, PSP routing, and A/B-driven experimentation.

Director, Product Management at Paytm (One97 Communications Ltd.) (2025-04 – Present)

Own P2M consumer roadmap for 17M+ DAUs leading the product team across growth, monetization, reliability, and regulatory compliance

• Led the EAS Revamp for 17M+ DAUs with a new Central-Line UI, in-app calculator, and Rupay-first tray, lifting P2M success rate
• Lifted retention & TPU by 1.5% via an adaptive Scan & Pay rebuild with real-time visual feedback and a fully revamped scanner
• Added ₹40–50L in monthly revenue via amount based PSP smart routing across high-frequency small-merchant payment flows
• Averted a ~0.6% failure spike in a major bank downtime with HMS V2 real-time bank-health detection across all live UPI traffic
• Cut failed-payment drop-off and churn with payer and payee PSP down handling on EAS that stops doomed payments early on
• Built payer trust and curbed fraud losses by launching Paytm Protect to flag risky transfers in real time on the live payment flow

Group Product Manager at Paytm (One97 Communications Ltd.) (2023-04 – 2025-03)

• Drove ₹10 Cr in annual revenue via a payer-VPA selection and smart-routing engine with PSP-level amount-based routing rules
• Elevated transaction success rate by 1.5% via payer bank-health monitoring, smart default-instrument rules, and live A/B testing
• Lifted retention by 5% for 0.5M users by rolling out UPI Lite Auto Top-up end to end, co-defining the solution & APIs with NPCI
• Lifted Collect success rate by ~4% across all online merchants by revamping the Collect flow and home-screen pop-up delivery

Senior Product Manager at Paytm (One97 Communications Ltd.) (2022-05 – 2023-04)

• Scaled UPI Lite to 13M+ users at 99% success rate, owning the end-to-end API specs, user journey & GTM as clear market leader
• Scaled RuPay CC on UPI to ₹1.2 Cr monthly revenue (2% of UPI volume) while owning onboarding, payment & user education
• Improved the payment funnel by 1.5% with a low-internet payment solution using robust offline fallback and app-side caching
• Lifted total wallet revenue by 30% by launching Wallet Add&Pay for Paytm-acquired merchants across consumer payment flows

Product Manager at Paytm (One97 Communications Ltd.) (2020-10 – 2022-04)

• Delivered 3% higher conversion and 7% higher success rate on all online-merchant UPI flows, consistently outpacing rival apps
• Lifted Intent-flow success rate by 2% and conversion by 3% via payment-ready visibility, single-step rendering, and MCC limits

Product Manager at OYO Rooms (Oravel Stays Pvt. Ltd.) (2019-04 – 2020-10)

Owned hotel search, ranking, and personalized listings using ML across India, Indonesia, UK, and Thailand markets end to end

• Added ₹1 Cr in monthly revenue and ~9% autocomplete usage by launching an autocomplete hotel search feature end to end
• Cut external API cost by 65% with an in-house location algorithm that fetches and stores rich location data from open sources
• Lifted booking conversion by 3% by re-ranking hotels via an ML model and personalized inline filters via structured A/B testing
• Lifted city conversion ~5% and location coverage ~6% with city landing pages and latitude-longitude search across all markets

Assistant Manager at Tata Motors Ltd. (2015-08 – 2017-06)

• Saved ₹10 L and lifted production efficiency by 10% by building 2 in-house machines while directly leading a 30+ technician crew
• Cut machine downtime by 15% via preventive maintenance and structured spare-part management using LEAN & SAP practices
• Cut unsafe production incidents by 12% by systematically guarding 250+ shop-floor machines with regular LEAN safety audits

Master of Business Administration in MBA – Indian Institute of Management (IIM), Bangalore (2017-06 – 2019-05)

B.Tech in Mechanical Engineering – Indian Institute of Technology (ISM), Dhanbad (2011-06 – 2015-05)