WORK · 2020 — NOW {IN ORDER}

Building products that scale.

One company in stealth, four case studies from fintech to my first startup, and the smaller builds in between. Each one is a number I'm accountable for.

5 case studies · 5 min read
01 · StealthSomething in personal creditIn stealth↓02 · IndiaGold NBFCOnboarding, rebuilt for an NBFC−90% doc TAT↓03 · INDIAGOLD FINTECHLoan servicing that keeps customers retained~15-20% cost reduction
↓04 · GromoHealth insurance, in six languages+15% engagement↓05 · Easy OfficesZero to ₹2.5 lakh, in college10% MoM growth↓
01 · BUILDING · IN STEALTH

Something in personal credit.

India has 24.9 crore credit-active borrowers and about 1,000 registered investment advisers. Everyone in personal finance is paid when you buy. Nobody is paid when you owe less.
I'm trying to fix this gap. Will publish more details soon!

What you owe3 ACTIVE
Total outstanding₹2,84,120
Credit card₹1,18,400
Personal loan₹1,52,000
Pay later₹13,720
Interest still ahead of you
In stealth
Borrowers in India24.9 Cr
Registered advisers~1,000
Case study 02 · 4 min read

Onboarding, rebuilt for an NBFC.

RoleProduct Manager, New Initiatives
CompanyIndiaGold (NBFC)
WhenOct 2025 — Aug 2026
ScopeKYC, identity, e-sign, Customer Support flows & servicing
OnboardingSTEP 4/4
Sign your loan documents
✓PAN verified
✓Aadhaar KYC complete
✓Selfie matched
Enter the OTP sent to your Aadhaar-linked mobile
••••
Sign and continue
Manual doc TAT−90%
✓e-Signed with AadhaarNo paper, no branch visit
−90%manual document processing TAT
1 flowKYC to signed loan, fully digital
TSPintegrated to cut identity-verification TAT
The problem

Indiagold's parent entity got the NBFC licence and required the onboarding KYC, servicing flows to be rebuilt from scratch. Needed to start loan booking in two months, which was super challenging to ship products at pace adhering to RBI's stricter regulation for regulated entities.

What I did

Led KYC and onboarding end to end through the transition. Integrated a technology service provider for identity checks, and automated loan documentation with Aadhaar e-sign so customers sign on their phone. Then built entire servicing flows(Closure, rebooking and customer support) from scratch.

What I learned

Compliance and speed aren't opposites. The rule is fixed; the experience around it isn't. Most of the time was hiding in paperwork nobody had questioned. Very important to set SOP's correctly while working with external third parties efficiently.

Case study 03 · 4 min read

Loan servicing for seamless customer experience

RoleProduct Ops Associate
CompanyIndiaGold Fintech
WhenAug 2024 — Sep 2025
WithCredit, Finance, Tech, CST, Ops, bank partner
Gold loan · IG-2048Active
Outstanding₹1,24,600Principal ₹1,18,000 · Interest ₹6,600
✓Pay outstandingDone
✓Verify and signDone
Gold released to youIn progress
Close loanRenew
Closure TAT−48%
✓Loan renewedSame gold, fresh tenure
48%Reduction in loan closure TAT
15–20%Reduction in payment processing cost
4.6★Play Store rating, from 4.2 in three months
The problem

A gold loan ends in one of two ways: you close it and take your gold home, or you renew it. Both ran through manual hand-offs between ops, the bank partner and support. Every hand-off added days, and every delay made a customer less likely to borrow again.

What I did

Automated full closure and rebook/renewal end to end from our mobile app, then the VM/RM part-release flow. Integrated a new payment gateway for better uptime and lower cost. Set with partner bank, which saved 3–4 hours a day of ops bandwidth.

What I learned

Good servicing is a growth lever through customer retention. Seamless onboarding combined with quality service helps build a strong relationship with the customer for results in higher LTV.

Case study 04 · 4 min read

Health insurance, in six languages.

RoleJunior PM (Intern)
CompanyGromo
WhenOct 2022 — May 2023
OwnedFlows, wireframes, test cases & MVP development
Health coverENहिं
Cover for your familyआपके परिवार के लिए सुरक्षा
₹5 lakhSum insured
2A + 1CMembers
Cashless at network hospitals
Explained in the customer's language
Bought inside the partner app
Get covered
Engagement in testing+15%
6Languages testedFor partners selling it
+50%user satisfaction, multilingual POS testing
+10%conversions, savings account page revamp
20%faster feature releases in a quarter
The problem

Gromo's partners sell financial products to people who rarely read policy documents in English. Health insurance is hard to explain at the best of times.

What I did

Designed the in-app health insurance feature end to end: flows, wireframes and test cases. Ran POS insurance testing across six languages, revamped the savings account page, and researched credit cards for a recommendation engine.

What I learned

Language is product. The same flow, explained in the customer's own words, performs like a different product.

Case study 05 · 4 min read

Zero to ₹2.5 lakh, while still in college.

RoleCo-founder and CPO
CompanyEasy Offices
WhenNov 2020 — Dec 2021
ScopeProduct strategy, client delivery, marketing, ops & CX
Easy Offices · Revenue6 MONTHS
From zero to₹2.5 lakh
M1M2M3M4M5M6
Product strategy and client delivery
SOPs that scaled the team
Co-founder and CPO
Month on month+10%
5Person teamStarted in college
₹2.5Lrevenue in six months, from zero
10%month-on-month growth
5person team across marketing, ops, product and CX
The challenge

Start a company from nothing while still in college: no revenue, no playbook and a small team, with every function to run at once.
We were providing digital marketing services to small businesses looking to grow their online presence.

What I did

Led product strategy and client delivery. Managed a five-person team across marketing, operations, product development and customer experience, and set up the processes and SOPs that let us grow about 10% month on month.

What I learned

Owning the whole business teaches you what product is for. Every decision shows up in revenue, and clear processes let a small team move faster than its size.

Also shipped

The work in between.

IndiaGoldAIGold-purity vision enginePurity checks were the bottleneck in disbursal. An in-house image model now does the first read, at 75–80% accuracy.
IndiaGoldAIOmnichannel support, text and voiceAI agents answer first, humans take the hard cases. Faster first response, less load on agents.
IndiaGoldInternal toolTravel-allowance trackerPrototyped on Lovable with Hypertrack and Zoho APIs to replace Google Forms. It worked, so it moved into the core system.
IndiaGoldDataDashboards and banking automationsFunnels in MySQL and Metabase; banking API automations that made ops 40% more efficient.
CityMallJan — Apr 2022Experience, measuredPlay Store rating from 4.1 to 4.6 and NPS from 5 to 7, driven by SQL and the dashboards I built.