Open to work · Mumbai, India

IIM Visakhapatnam · EPGCGM

Fintech PM who
ships at scale.

I design and build lending products — D2C loan journeys, supply chain finance platforms, embedded finance APIs, and GenAI workflows — that have moved ₹2000Cr+ across PSU banks and NBFCs.

Loan Origination Supply Chain Finance Embedded Finance GenAI Products Fraud & Risk

Book a Session Hire Me

₹2000Cr+

Loan Volume Processed

5+ yrs

Fintech PM Experience

11+

Fintech Partners Integrated

98%

AI Cost Reduction

Featured Work & Concepts

Strategic product initiatives that transformed digital banking experiences and drove measurable business outcomes

PSB Xchange · Veefin 0 → 1 Build

PSB Xchange — Transaction API Suite

Multi-lender SCF Marketplace · BOB · CBI · Indian Bank · PSU Network

Built two deeply interconnected systems on a single platform: a multi-lender transaction API backbone unifying BOB, CBI and Indian Bank into one interface for sourcing partners — and a 200+ touchpoint email compliance engine ensuring every persona (Admin, Anchor, Corporate, SP, Lender) gets the right acknowledgement at every step of the LOS journey.

API Suite

Program & Dealer Limits

Initiate Transaction

Txn Status — sync & async

SOA (Statement of Account)

DSA API Key Auth Model

Comms Engine

200+ LOS touchpoints mapped

5 personas — Admin, Anchor, Corporate, SP, Lender

Compliance acknowledgements

Event-triggered notifications

Role-based templates

Multi-Lender Integration Layer

Bank of Baroda

BOB · PSU Lender

Central Bank

CBI · PSU Lender

Indian Bank

PSU Lender

unified API layer

PSB Xchange · One API for all SPs

real-time disbursement callbacks

Invoyz Ayvsh Techpanion Supermoney +7 more

Invoice Fraud Prevention

Dedupe Logic Date Validations Disbursement A/C Checks Finance Request ID Uniqueness Duplicate Finance Prevention

Core APIs Built

200+

Email Touchpoints

₹5KCr+

Projected Qtr Vol.

Transaction APIs Multi-lender Email Engine Async Callbacks Invoice Fraud

SCF · PSB Xchange 11+ Partners Live

SCF Fintech Partner Network

Veefin Solutions · PSB Xchange · B2B Embedded Finance

Built the entire fintech partner integration layer for PSB Xchange — connecting 11+ sourcing partners as corporate lead pipelines into PSU bank lending programs. Each partner plugs into PSB Xchange's API suite to originate, track and disburse supply chain finance for anchors like JSW Steel, Shree Cement, Bata, boAt and Zepto. From Postman collections to production go-live — owned the entire lifecycle.

Partner Ecosystem

PSB Xchange

Aggregator Platform

Sourcing Partners (SPs)

Invoyz Ayvsh Techpanion Supermoney Auxelirx +6 more

Corporate Anchors

JSW Steel Shree Cement Bata boAt Zepto

Partner Onboarding Lifecycle

Technical
Discovery

Sandbox
Integration

UAT &
Validation

Production
Go-Live

What I Owned

Real-time API sync — both onboarding events and live transaction updates pushed to every SP platform the moment they fire on PSB Xchange

Integration playbook — standardised Postman collections, UI mockups, platform guides, API validation docs and Postman Documenter for every partner

Anchor-mapped programs — dealer and vendor lending programs tied to corporate anchors across LOS and transaction suites

11+

SPs Onboarded

₹5KCr+

Projected Qtr Vol.

Fortune Anchors

PSB Xchange API Integration SCF B2B Embedded Finance Real-time APIs

Embedded Finance · Piramal 0 → 1 Build

Embedded Personal Loan Platform

Piramal Finance · Tata AIG & HDFC Ergo as DSA Partners · <₹3L ticket

Built a 0→1 web-based personal loan journey entirely on Piramal's own platform — positioning Piramal as both the technology provider and loan orchestrator. Tata AIG and HDFC Ergo plugged in purely as DSA channels, sourcing customers into Piramal's lending stack without owning any of the journey. The result: a compliant, RBI DPDP-ready embedded finance engine disbursing ₹5Cr+ monthly.

Platform Architecture

Tata AIG

DSA · Lead Source

HDFC Ergo

DSA · Lead Source

API handoff

🏦 Piramal Finance Platform

Loan Orchestrator · Tech Provider · Lender

Underwriting Pipeline

Aadhaar-PAN
Seeding

CIBIL
Pull

Employment
Validation

Geo-
tagging

ELMS &
Hunter

Bank
Statements

IPO
Offer

eKYC +
Liveness

Sanction
Letter

Drawdown

What Made It Different

Piramal as the stack — insurance partners acted purely as DSAs; entire loan journey, data, compliance and disbursement stayed on Piramal's platform

Full fraud perimeter — Liveness detection, geo-tagging, Hunter dedup, PEP screening and ELMS layered before BRE to eliminate identity fraud at the top of funnel

RBI DPDP compliant — PII data protection and RBI Digital Lending Guidelines baked into the architecture from day one, not retrofitted

₹5Cr+

Monthly Disbursals

DSA Partners Live

API Integrations

BRE Underwriting eKYC Hunter / PEP RBI DPDP Liveness

D2C · ABFL Live Product

Instant Personal Loan Journey

Aditya Birla Finance Limited · ₹3L ticket · 35,000+ users

Built a fully digital, end-to-end D2C personal loan journey for India — where a borrower goes from intent to disbursement in minutes, not days. Eliminated paper-based bank statement uploads, replaced manual CIBIL checks with a real-time internal scoring engine, and layered anti-fraud signals seamlessly into the UX — without adding friction.

Loan Pipeline

Apply

CIBIL
Pull

Employment
Check

Account
Aggregator

IPO
Offer

Fraud
Checks

KYC
Pull

Sanction
Offer

Disburse

What Made It Different

Anumati Account Aggregator — replaced manual bank statement uploads with automated AA pull, boosting income verification accuracy

Liveness Detection + Geo-tagging — real-time anti-fraud layer embedded invisibly into the mobile KYC flow

Internal Scoring Engine — fused CIBIL bureau score, employment verification, and bank statement analysis into a single real-time credit decision

Cross-sell at disbursement — surfaced general insurance offer contextually, generating ₹3Cr+ monthly from insurance alone

23%

Funnel Drop ↓

35k+

Loan Leads

₹3Cr+

Monthly X-sell

Account Aggregator Liveness API Scoring Engine Geo-tagging

Aadesh Pise

Product Manager · BFSI

EPGCGM — IIM Visakhapatnam Alumni

Hire Me

Mumbai, India

Veefin Solutions Ltd.

IIM Visakhapatnam

click to email

About Me

I'm a Fintech Product Manager with 5+ years building B2B & B2C lending platforms — owning digital loan journeys, transaction APIs, and AI-driven workflows across NBFCs and banks. My products have impacted ₹2000Cr+ business, served 35,000+ users, and powered real-time disbursement systems at scale.

From architecting the invoice & transaction API suite for PSB Xchange to shipping a GenAI chatbot that cut AI infrastructure costs by 98% — I combine deep financial domain knowledge with hands-on technical execution. EPGCGM alumnus, IIM Visakhapatnam.

Professional Timeline

Product Manager — Supply Chain Finance

July 2024 – Present

Veefin Solutions Limited

Led 0→1 launch of Invoicing & Transaction API suite for PSB Xchange — projected ₹5000Cr+ quarterly volume
Architected 5 core APIs (Program Limits, Dealer Limits, Initiate Transaction, Status, SOA)
Onboarded 9+ fintech sourcing partners (Invoyz, Supermoney, Techpanion, Ayvsh) as lead generators

Product Owner / Manager

Jan 2024 – July 2024

Aditya Birla Finance Limited

Product Owner for Instant Personal Loan Digital Journey — 35,000+ leads
Implemented cross-sell functionality (general insurance + personal loan) → ₹3Cr+ monthly business
Revamped bank statement analysis with Account Aggregator — reduced funnel drop by 23%

Product Manager — AI & Embedded Finance

Nov 2021 – Jan 2024

Piramal Finance Limited

Built GenAI Sales Chatbot with Azure OpenAI — cut AI infrastructure cost from ₹10L to ₹20K/month (98% reduction)
Launched 0→1 embedded finance personal loan journey for Tata AIG & HDFC Ergo — ₹5Cr+ monthly disbursements
Contributed to ₹2000Cr+ Q4 business achievement through AI-driven performance insights

Data Engineer — Specialist

Dec 2020 – Oct 2021

Michelin Pvt Limited

Managed ETL pipeline for Customer 360 (Asia Pacific) using Qualtrics API → Azure Data Lake → PySpark
Designed GDPR-compliant data pipeline; dealer incentive model improved service standards by 12%

EPGCGM — Executive Program

2024 – 2025

IIM Visakhapatnam

B.E. — Vishwakarma Institute of Technology (2016–2020) · Statistics Cert. — Georgia Tech (2020–2021)

What I bring to the table

Core Expertise

Built from real projects — not textbooks.

Digital Lending & LOS

Owned full-stack loan origination journeys from mobile apply to disbursement — D2C and embedded — across NBFCs and banks.

eKYC · Liveness BRE Underwriting CIBIL · Bureau Account Aggregator

Supply Chain Finance

Built the transactional backbone of PSB Xchange — multi-lender API suite connecting PSU banks, corporate anchors (JSW, Bata, Zepto) and 11+ fintech SPs.

Transaction APIs Program Limits Invoice Dedupe Async Callbacks

Embedded Finance

Positioned Piramal as orchestrator + lender for Tata AIG & HDFC Ergo DSA programs. Built partner API handoff, RBI DPDP-compliant journeys, and cross-sell at disbursement.

DSA API Integration RBI DPDP Cross-sell Engine

GenAI & AI Products

0→1 GenAI sales chatbot at Piramal — Azure OpenAI, few-shot prompting, Cricket Runs gamification model. Cut AI infra cost 98% by replacing SageMaker with an in-house wrapper API.

Azure OpenAI Prompt Engineering LLM Orchestration AI Agents

Fraud Prevention & Risk

Designed layered fraud perimeters across real products — liveness detection, geo-tagging, Hunter dedup, PEP screening, ELMS checks, and invoice-level validation controls.

Hunter · PEP Geo-tagging Liveness Detection ELMS

API Architecture & Integrations

Defined API schemas, onboarding playbooks, Postman collections and partner validation processes for 11+ fintech SPs across LOS and transaction suites on PSB Xchange.

REST · gRPC · OAuth Postman Documenter Data Mapping UAT · Sandbox

Technical Stack & Tools

Modern tools and technologies I work with to build world-class financial products

Product Management

Jira

Notion / Confluence

Miro / Figma

Postman

Development

REST APIs / gRPC / OAuth

SQL / MongoDB

AWS (EC2, S3, Load Balancer)

Azure OpenAI / Azure Data Lake

Analytics

Power BI

Python

PySpark

SQL (Intermediate)

AI & BFSI

Prompt Engineering (Few-shot, Multi-turn)

LLM / AI Agents & Chatbots

eKYC / AML / BRE Systems

LMS / LOS Platforms

By The Numbers

Real Impact. Real Scale.

Five years of shipping fintech products — here's what moved the needle.

Total Loan Volume Processed

₹2000Cr+

Across SCF, Personal Loans, Embedded Finance — spanning PSU banks, NBFCs and insurance-led DSA channels

₹5000Cr+

Projected Quarterly SCF Volume

PSB Xchange · Multi-lender pipeline

98%

AI Infrastructure Cost Cut

₹10L → ₹20K/month · Azure OpenAI

23%

Funnel Drop Reduced

Account Aggregator · ABFL journey

₹5Cr+

Monthly Disbursements

Piramal · Embedded Finance run rate

35,000+

Loan Applications Processed

ABFL Instant Personal Loan

11+

Fintech Partners Integrated

PSB Xchange SP network

200+

Compliance Touchpoints

LOS email engine · 5 personas

Open to opportunities

Let's build something
great together

Whether you need a strategy session on your BFSI product, or you're looking for a product manager who ships — I'm one click away.

Book a Session

Strategy · Consulting · Advisory

Usually responds within 2 hrs